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Plan Information |
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Deductible
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Your choice of US $0, $100, $250, $500, $1,000 or $2,500 |
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On the Application Form, you will be asked to choose a deductible. Your premium
rate is dependent on the deductible you choose.
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Coinsurance
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As described below
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For treatment received outside the US & Canada: No coinsurance
For treatment received within the US & Canada:
In the PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100%
up to the Policy Maximum
Outside the PPO Network: The
plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum
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Benefit Period
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Six months
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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.
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| International Emergency Care |
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Emergency Evacuation |
To Policy Maximum when coordinated through the Plan Administrator
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Each Patriot Group 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 country of
residence or the country where the evacuation occurred, up to the policy limit.
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Emergency Reunion
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To US$15,000 when coordinated through the Plan Administrator
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Each Patriot Group plan also provides emergency reunion coverage, up to US$15,000
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 country of residence to
be reunited with the insured.
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Repatriation
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To US$25,000 when coordinated through the Plan Administrator
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If a covered illness/injury results in death, expenses for Repatriation of bodily
remains or ashes to the country of residence will be covered up to a maximum of
US$25,000.
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Returning Minor Children
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To US$5,000 when coordinated through the Plan Administrator
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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
Group plans will pay up to US$5,000 for one way economy fare to their home country,
including a chaperone, if necessary, for the safety of the child(ren).
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Political Evacuation
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To US$10,000 when coordinated through the Plan Administrator
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If the United States Department of State, Bureau of Consular Affairs issues a travel
advisory that becomes effective on or after the Insured Person’s date of arrival
in the Host Country, the Company will pay up to US$10,000 for transportation to
the nearest place of safety or for repatriation to the Insured Person’s 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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| Medical Benefits |
| Usual reasonable and customary charges, subject to deductible and coinsurance |
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Hospital Room and Board
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To Policy Maximum for average semi-private room rate
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Intensive Care
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To Policy Maximum
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Medical Expenses
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To Policy Maximum
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Outpatient Medical
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To Policy Maximum
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Local Ambulance
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To Policy Maximum
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Dental
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To Policy Maximum
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Each Patriot Group Travel Medical Insurance plan covers the cost of emergency dental
treatment and dental procedures necessary to restore sound natural teeth lost or
damaged in an accident. |
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| Additional Coverages |
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Home Country Coverage As Described Below
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Incidental Home Country Coverage - During the Period of Coverage
an insured person may return to their country of residence for incidental visits
up to a cumulative two weeks total, subject to: a. The insured person must have
left their country of residence, b. The Total Period of Coverage must be for a minimum
of 30 days, and c. The return to the country of residence 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 2 months.
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Trip Interruption
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To US$5,000
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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 insured's 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.
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Lost Luggage
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To US$50 per item of personal property; maximum of US$250 per Period of Coverage
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This benefit will be paid in the event that the Common Carrier permanently loses
an insured person's checked luggage. This coverage is secondary to any other available
coverage, including the Carrier's.
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Common Carrier Accidental Death
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US$50,000 to Beneficiary; maximum of US$250,000 per family
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If accidental death should occur while traveling on a commercial Common Carrier,
US$50,000 will be paid to the designated beneficiary to a maximum of US$250,000
per family.
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Sports & Activities
Coverage |
To Policy Maximum for basic sports Coverage as described below
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Each Patriot Group plan covers injuries incurred during amateur athletic activities
which are non-contact and engaged in by an 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: racing of any kind, aviation (except
when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh,
bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air
ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain
biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving,
ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling,
surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.
Optional Sports Rider: This rider adds coverage for jet skiing, snow skiing,
snowboarding, snowmobiling, snorkeling, surfing, wakeboarding, water skiing and
windsurfing. For more sports coverage, please review 911Abroad's Patriot Extreme®
plan.
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Accidental Death & Dismemberment
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US$25,000 principal sum
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Each Patriot Group plan includes US$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. For more information see the Conditions of Coverage section
in the Patriot Travel Medical Insurance brochure. |
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Terrorism Coverage
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To US$50,000 Lifetime Maximum
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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 US$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 person's 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 person's arrival date, and the insured person unreasonably fails
or refuses to depart the country or location.
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Additional Benefits for U.S. Citizens |
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Sudden Recurrence of a Pre-existing Condition
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Up to US$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 US. In addition,
up to US$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 brochure.
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Dental Emergency
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Patriot International will pay up to $100 for the necessary treatment of sudden,
unexpected pain to sound natural teeth.
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Indemnity |
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Patriot International will pay directly to the insured person US$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.
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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 Policy Wording with all terms, conditions
and exclusions will be included with the fulfillment kit. IMG reserves the right
to issue the most current Policy 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 Policy Wordings are available upon request.
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