PI

Patriot International

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
IMG
Sirius International
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

80%
Out of Network

Plan pays 80% of the first $5,000 then 100% up to the policy maximum.

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 365 days
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Urgent Care
  • Cannot accept an address in Maryland (MD).
BUY
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.

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 International

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.

AM Best Rating

A (Excellent)

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

Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, 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

UnitedHealthcare

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

Patriot 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

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.

  • Adventurous Sports Rider
    Coverage for abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing. Refer to the Patriot Insurance Brochure for more information.
  • Enhanced AD&D
    This optional coverage is available for the primary insured person only. The coverage is in addition to the Accidental Death & Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of three months.

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:
Policy Usage: How to use it?

Q7: How do I file a claim?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

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 Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section.

If you still have questions, please call our support line toll free: 1.866.384.9104

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

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.