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.
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Extendable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
PPO
UnitedHealthcare
Urgent Care
COVID-19 Excluded
- Urgent Care
- Not available for Citizens of: Botswana, Gambia, Ghana, Niger, Nigeria & Sierra Leone.
Not available if Home Country is: Botswana, Gambia, Ghana, Niger, Nigeria, Cuba, Iran, North Korea, Syria, Sierra Leone, and Venezuela.
Not available for purchasing addresses in: Maryland or New York
or policy document for complete and accurate coverage information. Out-Patient
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
In-Patient
Hospital Room
100% covered
Surgical Treatment
100% covered
Hospital Intensive Care Unit
100% covered
Emergency Services
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.
Dental
Acute, spontaneous and unexpected pain
Up to $300
Accidental emergency
100% covered
Travel
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
Life
AD&D
$50,000 principal sum.
Common Carrier Accidental Death
$25,000 per insured child, $100,000 per insured adult. $250,000 maximum limit per family
Other
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
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
100% Covered
Brochure
Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
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
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.
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| 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 renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal. | |
| 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? Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | |
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.
