Patriot Travel Health Insurance
Patriot Travel Medical InsuranceSM provides short-term travel medical coverage or temporary medical insurance for individual or family including dependent children, while traveling for business or pleasure anywhere outside of their home country. Patriot travel medical insurance meets the health insurance needs with two plans: (1) Patriot America Insurance for non-US citizens visiting outside country of citizenship or foreign nationals visiting outside their home country including USA / Canada, and (2) Patriot International Insurance for U.S. citizens travelling abroad.
Patriot America Visitor Insurance plan highlights include maximum coverage benefit limits range from $50,000 to $2,000,000, policy deductible options range from $0 to $2,500, plan premiums provided in daily and monthly rates, renewable up to 24 months with three months minimum initial purchase, choice with hospital or doctor to seek treatment, optional riders available for trip cancellation, travel delay and baggage delay benefits, included universal Rx pharmacy discount savings, and more.
Patriot Travel Health Insurance plan is designed for parents relatives visiting USA, new immigrants, foreign travelers or vacationers on a holiday abroad or overseas travel, international exchange students / au pairs and nannies, missionaries working in a foreign country.
Patriot Group Travel Medical Insurance is also available for group purchase by group of five or more individuals in any organization who are traveling together to a destination outside of their country of citizenship.
Although the Patriot America plan is not renewable after 24 months coverage period, however the policy can be rewritten for succeeding or subsequent coverage periods. Note that a fresh new Deductible, Coinsurance, Eligibility, 'Conditions of Coverage' and 'Pre-Existing Condition Exclusions' apply to any succeeding or subsequent 'Period of Coverage'. A new application must also be completed. If you or other family members applying for coverage are age 65 or older, please see the Eligibility section of the Patriot brochure for additional information.
Patriot Travel Medical Insurance Plan Eligibility
Patriot America Insurance for non-US citizens visiting outside country of citizenship or foreign nationals visiting outside their home country including USA / Canada, and Patriot International Insurance for U.S. citizens travelling abroad.
Patriot Travel Medical Insurance Benefit Period or Coverage Duration
Total duration or period of coverage for Patriot Travel Medical Insurance is for a minimum of 5 days up to a maximum of 24 months (two years).
Patriot Travel Medical Insurance Plan Benefits
If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness.
| Maximum Benefit |
Options are $50,000, $100,000, $500,000, $1,000,000 or $2,000,000 |
| Plan Deductible |
Choice of $0, $100, $250, $500, $1000 or $2500 per period of coverage |
| Coverage Duration |
From minimum of 5 days to a maximum of 24 months |
| Policy Renewal |
If initial purchase of 3 months, plan can be renewed upto 24 months |
| Incidental Home Country Coverage |
Up to a cumalative 2 week period |
| End of Trip Home Country Coverage |
1 month for every 5 months policy purchased; maximum of 2 months |
| Common Carrier Accidental Death |
US$50,000 to Beneficiary; maximum of US$250,000 per family |
| Accidental Death & Dismemberment |
US$25,000 principal sum |
| Terrorism Coverage |
Up to US$50,000 lifetime maximum |
| Trip Interruption |
US$5,000 |
| Lost Luggage |
To US$50 per item or personal property; maximum of US$250 per period of Coverage |
| Identity Theft Assistance |
Up to US$500 per Period of Coverage |
Patriot Travel Insurance
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Plans designed for the global traveler
There are two Patriot products available to meet your needs and provide up to $2,000,000 of medical coverage.
Patriot America
Patriot America provides coverage for non-U.S. citizens visiting USA or traveling outside their home country for a minimum of five days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years.
Patriot International
Patriot International provides coverage for U.S. citizens traveling abroad for a minimum of five days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years.
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| SCHEDULE OF BENEFITS (all amounts listed are in U.S. dollars) | | MEDICAL BENEFITS | Usual, reasonable and customary charges, subject to deductible and coinsurance | | Hospital Room and Board | Up to Policy Maximum for average semi-private room rate |
| | Intensive Care | Up to Policy Maximum |
| | Medical Expenses | Up to Policy Maximum |
| | Outpatient Medical | Up to Policy Maximum |
| | Local Ambulance | Up to Policy Maximum |
| | Prescription Drugs | Up to Policy Maximum |
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| | Emergency Room | As described below | Charges incurred for the use of the Emergency Room due to an accident are covered up to the Policy Maximum.
Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital. | | Dental | As described below | Injury due to an accident: Each Patriot plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident up to the Policy Maximum.
Sudden dental pain: Each plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. |
| | INTERNATIONAL EMERGENCY CARE (when coordinated through the Plan Administrator) | | Emergency Evacuation | Up to $500,000 lifetime maximum (independent of policy maximum) | | Each Patriot plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to $500,000. | | Emergency Reunion | Up to $50,000 | | Each Patriot plan also provides emergency reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured. | | Return of Mortal Remains | Up to $50,000 | | If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000. | | Returning Minor Children | Up to $50,000 | | If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). | | Political Evacuation | Up to $10,000 | | If the United States Department of State, Bureau of Consular Affairs issues a travel advisory that becomes effective on or after the Insured Persons date of arrival in the Host Country, the Company will pay up to $10,000 for transportation to the nearest place of safety or for repatriation to the Insured Persons home country or country of residence provided that: | - The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular affairs issues the travel advisory;
- Political Evacuation and Repatriation is approved and coordinated by the Company.
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To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.
| | | | PLAN INFORMATION | | Deductible | Your choice of $0, $100, $250, $500, $1,000 or $2,500 | | On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information. | | Coinsurance | As described below | For treatment received outside the U.S. & Canada: No coinsurance
For treatment received within the U.S. & Canada:
In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum | | Benefit Period | Six months | | If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness. |
| | ADDITIONAL BENEFITS | | Home Country Coverage | As described below | Incidental Home Country Coverage - During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their home country, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
End of Trip Home Country Coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s). | | Natural Disaster | $100 per day for five days | | This benefit is available in the event an insured person is required to depart his/her destination due to an evacuation order issued by prevailing authorities in connection with a Natural Disaster. Natural Disaster is defined as widespread disruption of human lives by disasters such as flood, drought, tidal wave, fire, hurricane, earthquake, windstorm, or other storm, landslide, or other natural catastrophe or event resulting in migration of the population for its safety. | | Trip Interruption | Up to $5,000 | | If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insureds principal residence, each Patriot plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket. | | Lost Luggage | Up to $50 per item of personal property; maximum of $250 per Period of Coverage | | This benefit will be paid in the event that the Common Carrier permanently loses an insured persons checked luggage. This coverage is secondary to any other available coverage, including the Carriers. | | Common Carrier Accidental Death | $50,000 to Beneficiary; maximum of $250,000 per family | | If accidental death should occur while traveling on a commercial Common Carrier, $50,000 will be paid to the designated beneficiary, to a maximum of $250,000 per family. | | Sports & Activities Coverage | Up to Policy Maximum for basic sports Coverage as described below | Each Patriot plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition.
The following hazardous activities are excluded unless the Extreme Sports Rider is purchased: abseiling, aviation (except when traveling as a passenger in a commercial aircraft), BMX, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, rappelling, rock climbing, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, surfing, trekking, wind-surfing and whitewater rafting.
Racing of any kind, BASE jumping, mountaineering, climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, rodeo activity, ski jumping, whitewater rafting exceeding Class V difficulty; and/or extreme sports not expressly covered hereunder are excluded regardless of which plan or rider is selected.
Optional Extreme Sports Rider: Please see the brochure for more information. | | Accidental Death & Dismemberment | $25,000 principal sum | | Each Patriot plan includes $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of Coverage: Accidental Loss of life - principal sum; Accidental Loss of two Members - principal sum; Accidental Loss of one Member - 50% of principal sum. Member means hand, foot or eye. | | Terrorism Coverage | Up to $50,000 lifetime maximum | | Each Patriot plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered. Terrorism is defined as the systematic or planned use of violence, fear, or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to the insured persons date of arrival. This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured persons arrival date, and the insured person unreasonably fails or refuses to depart the country or location. | | Identity Theft Assistance | Up to $500 per Period of Coverage | | If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order to impersonate or obtain credit, merchandise or services in the insured persons name, the Patriot plans will provide coverage for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen identity event; notarization of legal documents, long-distance telephone calls, and postage that has resulted solely as a result of reporting, amending and/or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured persons knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event. The identity theft event must occur during the Period of Coverage and must be reported within 6 months of the termination of coverage date. |
| | Additional Benefits for U.S. Citizens | | Sudden Recurrence of a Pre-existing Condition | | Up to $15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the U.S.. In addition, up to $25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition, please see Exclusion number 1 in the Patriot Travel Medical Insurance brochure. | | Indemnity | | Patriot International will pay directly to the insured person $100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit. |
| | This web page contains only a consolidated and summary description of all current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request. |
EXTREME SPORTS RIDER: The Extreme Sports Rider is available on both Patriot plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed on page 7: abseiling, aviation, BMX, bobsleigh, bungee jumping, canyoning, caving,flying (private plane), hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, rappelling, rock climbing (ropes and guides to 4500m from ground level), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wind-surfing. These extreme activities must be engaged in solely for leisure, recreation, or entertainment purposes. | U.S. Citizen | Non-U.S. Citizen | | Base Premium x 20% | Base Premium x 20% |
PATRIOT RETURN RIDER The Patriot Return Rider is only available to non-U.S. citizens who have purchased Patriot America. When purchased at the time of application, Patriot Return provides temporary medical coverage for non-U.S. citizens returning to their home country. Base Premium x 5%
ENHANCED AD&D RIDER This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of three months. Monthly Rates - coverage must be purchased for a minimum of three months | Up to US$100,000 additional coverage | US$8 | | Up to US$200,000 additional coverage | US$16 | | Up to US$300,000 additional coverage | US$24 | | Up to US$400,000 additional coverage | US$32 |
| | This web page contains only a consolidated and summary description of all current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request. |
Patriot Travel Medical Insurance Plan Exclusions
No benefits will be paid for loss or expense caused by, contributed to, or resulting from:
Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans. - A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
- Treatment or surgeries which are elective, investigational, experimental or for research purposes.
- War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Persons date of arrival in the Host Country.
- Immunizations and routine physical exams.
- Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
- Venereal disease, AIDS virus, AIDS-related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
- Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
- Injury sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded unless the Extreme Sports Rider is purchased: abseiling, aviation (except when traveling as a passenger in a commercial aircraft), BMX, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, rappelling, rock climbing, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, surfing, trekking, wind-surfing and whitewater rafting.
Racing of any kind, BASE jumping, mountaineering, climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, rodeo activity, ski jumping, whitewater rafting exceeding Class V difficulty; and/or extreme sports not expressly coverd hereunder are excluded regardless of which plan or rider is selected. - Vision or ear tests and the provision of visual or hearing aids.
- Vocational, recreational, speech or music therapy.
- Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
- Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
- Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
- Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
- Willful self-inflicted injury or illness.
- Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
- Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
- Treatment for mental and nervous disorders.
- Organ or tissue transplants or related services.
- Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.
- Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
This web page contains only a consolidated and summary description of all current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request. |
Patriot Travel Medical Insurance Refund of Premium
IMG will refund premium only if a written request is received prior to the
certificate's effective date. The premium is non-refundable after that date.
Precertification, Emergency Evacuation and Repatriation
For precertification, emergency evacuation and repatriation please call IMG
in the U.S. 1-800-628-4664 (toll free) or 1-317-655-4500. Call IMG outside
the US: 001-317-655-4500 (collect if necessary). This information will
also be provided on your ID card.
IMG must be notified prior to treatment or within 48 hours of an emergency.
Patriot Travel Medical Insurance Claims Information
Please mail completed claim forms to International Medical Group, 407 Fulton
Street, Indianapolis, IN 46202 USA. All IMG contact numbers, claim forms
and Policy Wordings will be included in the fulfillment kit. IMG may also
be contacted by fax: 317-655-4505 or email: insurance@imglobal.com.
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