Patriot International
Comprehensive Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation
- AM Best Rating
- A- (Excellent)
- Administrator/Underwriter
- IMG
Sirius Specialty Insurance Corporation
In Network
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 100% up to the policy maximum.
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
or policy document for complete and accurate coverage information. $15 co-pay applies to walk in clinics.
Co-pay waived if $0 deductible is chosen
Plan pays 100% outside of US
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Separate deductible of $250 applies to ER visit for illness that does not result in direct inpatient hospital admission.
This deductible does not apply to injuries, or illness that lead to hospitalization.
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions.
$25,000 maximum limit for emergency medical evacuation
Plan Administrator Company
IMG
Carrier / Underwriter
Sirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Eligibility
Can be purchased by any U.S. citizen traveling outside of their home country. Also available to U.S. citizens living permanently outside of U.S. and needing coverage in the U.S. for short trips.
Plan Type
Comprehensive Coverage Plan
Plan pays up to a certain percentage of medical expenses.
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
$25 co-pay for Urgent Care;
$15 Co-pay for Walk in Clinics
Co-pay waived if $0 deductible is selected
Co-Insurance
Plan pays 100% up to policy max
How the Benefits are Paid
After the Insured pays the deductible:
Inside PPO Network: The plan pays 100% of eligible expenses
Outside the PPO Network: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.
Outside the United States and Canada: After the insured pays the deductible, the program pays 100% to the selected maximum
Coverage Type
Lifetime of the policy
Deductible Type
Annual deductible, Only one time in a year
Renewability
Extendable (Only if initially purchased for 1 month) with $5 fee each time you extend, up to a maximum period of 2 years.
Cancellation
Full refund available if cancelled before the policy start date.
Prorated refund available after start date only if no claims have been made
$50 cancellation fee applicable if cancelled after start date
PPO Network
Coverage Length
Min 5 Days to 12 month.
Available Deductibles
Choose From: $0, $100, $250, $500, $1,000
Co-pay waived if $0 deductible is selected
Available Coverage
Choose From: $50,000; $100,000; $500,000; $1,000,000
for those ages 60-64.
Ages 65-79: $50,000 or $100,000
Ages 70+: Limited to $50,000
Ages 80+: Limited to $10,000
Provider Directory
By Provider, Phone Nos.: 800-628-4664 or 317-655-4500
Plan Brochure
Home Country Definition
U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.
US States Restrictions
Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State
Country Restrictions
Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana
Patriot International Plan FAQs | |
| Q1: What information do I need to purchase this plan? Name(s), date of birth, and passport number of the visitor(s). | |
| Q2: When will I receive my ID card? You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online application, if you select online fulfillment you will not receive anything in the mail (paper mail), but you will receive confirmation in your e-mail. If you select paper mail/snail mail then you will receive the ID card in the mail within 5-10 business days. You can also retrieve your ID card using MyIMG: Get My ID Card | |
| Q3. What's the Rx Discount Card that comes with this plan? This is a discount savings program available to every certificate holder of the Patriot travel plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan. Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card | |
| Q4. What are the other rider options? Riders are additional features or additional coverage to the standard plan. Not everyone needs all the riders. Patriot America Insurance has the following riders to choose from. All the riders have an additional cost and you'll be able to get a quote for it and select it in the application.
| |
| Q5: Which doctor or hospital can I go to? The PPO provider for Patriot America Insurance is UnitedHealthcare. UnitedHealthcare PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities. You can search for doctors or hospitalsin this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits. | |
| Q6: How do I use this insurance? Please refer to the following article about the policy usage: | |
| Q7: How do I file a claim? Please refer to the following article about the policy usage: How Does Visitor Insurance Work? | |
| Q8: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis? Based on the desired coverage length you have selected, you have to make the full payment at once. Since this plan is extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. | |
| Q9: Where can I find answers to other questions I have? Please refer to the Visitors Insurance FAQs section. Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information | |
Q10. Does Patriot International cover coronavirus? If you purchased a Patriot International plan on or after May 5, 2021, your plan will cover COVID-19 the same as any other eligibled medical condition if the virus was contracted after the policy effective date. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | |
| Q16: Does Patriot International cover the Coronavirus vaccination? Patriot International doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions. | |
| Q17. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
