star Rating: "A" (Excellent)
edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
- Available for non U.S. citizens / residents visiting the USA, up to 89 years old
- Coinsurance: After deductible, plan pays 100% up to the policy maximum
- Direct Billing: First HealthCare
- Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
- Emergency medical evacuation: 100% up to $1,000,000
- Maternity: Emergency medical treatment for pregnancy, up to $1,000
- Urgent Care: $30 per incident; no copayment if deductible is $0
- Optional add-on benefits
- Renewable: Can be renewed and extended up to 364 days
- Repatriation of Remains: Up to $50,000
Sports Activity Coverage:
- Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
- If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
- If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.
- Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
Return to Home Country Coverage:
- Covers up to $25,000 - provides coverage during the period of insurance, in your home country while on an incidental trip.
- For trips up to 60 days (total) per 12 months of coverage purchased. To be eligible your period of insurance must be greater than 30 days and are returning to the home country after the trip began. More Details »
Accidental Death and Dismemberment upgrade
| Option 1 |
Increase to $50,000 maximum AD&D benefit |
Additional $0.25 per person per day |
| Option 2 |
Increase to $100,000 maximum AD&D benefit |
Additional $0.50 per person per day |
| Option 3 |
Increase to $250,000 maximum AD&D benefit |
Additional $1.75 per person per day |
| Option 4 |
Increase to $500,000 maximum AD&D benefit |
Additional $4.00 per person per day |
- Persons up to age 69 are eligible for all Options
- Persons age 70-79 are eligible for Option 1 and 2
- Persons age 80 and older are eligible for Option 1 only
- Children are eligible for Option 1 only
star Rating: AM Best "A"
edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
- Coinsurance: After deductible, plan pays 100% up to policy maximum
- Acute onset of pre-existing condition: $20,000 up to age 65 and $10,000 over age 65.
- Emergency medical evacuation: Up to maximum limit
- Urgent care: Covered
- Trip interruption: Up to $7,500
- Renewable: Can be renewed and extended up to 364 days
- Repatriation of Remains: Up to $1M
|
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
- Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
- Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%
- Direct Billing: First HealthCare or Unitedhealthcare
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Urgent Care : $30 per incident; no copayment if deductible is $0
- Optional add-on benefits
- Renewable: Can be renewed and extended up to 24 months
- Repatriation of Remains: Up to maximum limit
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure sports:
Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
| Age |
Maximum limit |
| 0-49 years |
$50,000 certificate period |
| 50-59 years |
$30,000 certificate period |
| 60-64 years |
$15,000 certificate period |
Chaperone/Faculty Leader Replacement Rider:
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (available on group plans)
Chaperone Replacement Rider - More Details picture_as_pdf
Enhanced Accidental Death & Dismemberment Rider AD&D Rider
The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
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 plans. Coverage must be purchased for a minimum of three months.
Accidental Death & Dismemberment - More Details picture_as_pdf
Mobile Device Protection:
Available in select countries on individual plans only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans for U.S. residents only
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
Teladoc Rider:
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
| Benefit |
Limits |
| Teladoc Consultation |
Mental or Nervous Disorders are not covered
Applicable in the United States
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. |
star Rating: "A" (Excellent)
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
- Best medical insurance for visitors to USA, up to 99 years
- Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 80% up to $1,000, then 100% up to the max limit
- Direct Billing: First healthcare network or United HealthCare
- Pre-existing condition: Not covered
- Emergency medical evacuation: Up to $1,000,000
- Urgent Care: $30 per incident; no copayment if deductible is $0.
- Optional add-on benefits
- Renewable: Can be renewed and extended up to 24 months
- Repatriation of Remains: Up to maximum limit
Adventure Sports Rider:
Available for those up to the age of 65 years
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
More Details»
Enhanced Accidental Death & Dismemberment Rider AD&D Rider:
Available for primary insured person only
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.More Details»
Mobile Device Protection:
Available in select countries on individual plans only
Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.More Details»
Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans U.S. residents only
This rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. More Details»
Teladoc Rider
Insured Person meets the eligibility requirements, they are eligible for this rider
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. More Details»
star Rating: "A" (Excellent)
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
- Coinsurance: After deductible, plan pays 100% up to policy maximum
- Direct Billing: Through IPA Network
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Urgent Care: $30 per incident; no copayment if deductible is $0.
- Optional add-on benefits
- Renewable: Can be renewed and extended up to 24 months
- Repatriation of Remains: Up to maximum limit
Adventure Sports Rider:
Available for those up to the age of 65 years
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
More Details»
Enhanced Accidental Death & Dismemberment Rider AD&D Rider:
Available for primary insured person only
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.More Details»
Mobile Device Protection:
Available in select countries on individual plans only
Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.More Details»
Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans U.S. residents only
This rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. More Details»
Teladoc Rider
Insured Person meets the eligibility requirements, they are eligible for this rider
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. More Details»
|
star Rating: AM Best Rating: "A" (Excellent)
edit_square Underwriter: Underwritten by Crum & Forster, SPC
- Coverage for non-US residents traveling to the USA, up to 99 years old
- Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
- Direct Billing: No PPO, visit any doctor or hospital
- Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
- Emergency medical evacuation: Up to $250,000
- Optional add-on benefits
- Renewable: Can be renewed and extended up to 364 days
- Repatriation of Remains: Up to $50,000
Additional AD&D
- Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
- Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
Athletic and Hazardous Activity Rider
-
Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
- For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding;
Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari;
Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind
Surfing; Zip Lining.
- For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
- High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
- For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo
; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
- Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
- High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.
star Rating: AM Best Rating "A" (Excellent)
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Direct Billing: Through IPA Network
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to maximum limit
- Urgent Care: 30 per incident; no copayment if deductible is $0
- Optional add-on benefits
- Renewable: Can be renewed and extended up to 36 months
- Repatriation of Remains: Up to overall maximum limit
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure sports:
Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
| Age |
Maximum limit |
| 0-49 years |
$50,000 certificate period |
| 50-59 years |
$30,000 certificate period |
| 60-64 years |
$15,000 certificate period |
Chaperone/Faculty Leader Replacement Rider:
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (available on group plans)
Chaperone Replacement Rider - More Details picture_as_pdf
Enhanced Accidental Death & Dismemberment Rider AD&D Rider
The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
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 plans. Coverage must be purchased for a minimum of three months.
Accidental Death & Dismemberment - More Details picture_as_pdf
Mobile Device Protection:
Available in select countries on individual plans only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans for U.S. residents only
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
Teladoc Rider:
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
| Benefit |
Limits |
| Teladoc Consultation |
Mental or Nervous Disorders are not covered
Applicable in the United States
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. |
|
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
- Best travel medical insurance for non-US citizens visiting the USA, Canada and Mexico, up to 99 years old
- Coinsurance: In-network: After deductible, plan pays 75%
- Out-of-network: After deductible, pays 60% of eligible expenses up to $5000, then 100%
- Direct Billing: First HealthCare or Unitedhealthcare
- Pre-existing condition: Covers up to 99 years.
- Emergency medical evacuation: Up to $25,000
- Urgent Care: $25 per incident; no copayment if deductible is $0
- Repatriation of Remains: Up to $25,000
|
