Patriot International

Comprehensive Coverage,  Rated A- (Excellent)By: IMG,  UW: Sirius SpecialitySirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
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
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Patriot International provides comprehensive travel medical coverage for American Citizens traveling outside of America. Please review Patriot International Plan Brochure brochure or policy document for complete and accurate coverage information.

Dr. / Physician Visit
100% covered
Urgent Care
$25 co-pay applies for Urgent Care.
$15 co-pay applies to walk in clinics.
Co-pay waived if $0 deductible is chosen
Plan pays 100% outside of US
Surgical Treatment
100% covered
Prescription Drugs / Medicines
100% covered
Lab & X-rays
100% covered
Physical Therapy
100% covered
Hospital Room
100% covered
Surgical Treatment
100% covered
Hospital Intensive Care Unit
100% covered
Ambulance Expenses
In-Network: Plan pays 100%
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Emergency Room(ER)
100% covered
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.
Acute, spontaneous and unexpected pain
Up to $300
Accidental emergency
100% covered
Emergency Medical Evacuation / Repatriation
Up to $1,000,000
Return of Remains
Coverage up to a maximum of $50,000 for return of mortal remains to the insured's home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death.
Emergency Reunion
Up to $100,000. Not subject to deductible but must be approved beforehand.
Return of minor Child(ren)
Up to $100,000. Not subject to deductible but must be approved beforehand.
Trip Interruption
Up to $10,000
Loss of checked Baggage
$50 per item up to $500 maximum per period of coverage
$50,000 principal sum.
Common Carrier Accidental Death
$25,000 per insured child, $100,000 per insured adult. $250,000 maximum limit per family
Pre-Existing Conditions
Acute onset of a pre-existing condition coverage, with varying limits by age, up to the maximum limit for those under 70 years old.
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions.
$25,000 maximum limit for emergency medical evacuation
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
100% Covered
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.

Plan Administrator Company


Carrier / Underwriter

Sirius Specialty Insurance Corporation

AM Best Rating

A- (Excellent)


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.


Coverage outside U.S.A.



$25 co-pay for Urgent Care;
$15 Co-pay for Walk in Clinics
Co-pay waived if $0 deductible is selected


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


Extendable (Only if initially purchased for 1 month) with $5 fee each time you extend, up to a maximum period of 2 years.


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

Patriot International Insurance Brochure 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


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.