Patriot America Plus Pre-existing Conditions Insurance
Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years. Underwritten by Sirius International Insurance Group with a rating of “A” is most popular visitor medical insurance among international travelers visiting USA. US citizens living abroad and visiting USA can also buy Patriot America Plus Insurance.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Activities Covered up to certificate period:
Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.
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. (avaliable on group plans)
Available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.Up to an additional $400,000.
Available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.
Non Life-threatening Medical Evacuation - Up to a maximum of $25,000
Natural Disaster Evacuation - Up to a maximum of $5,000
Patriot America Plus insurance coinsurance?
For treatment received outside the U.S : No coinsurance.
For treatment received within the U.S :
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition
Under 70 years of age
Up to period of coverage maximum limit.
Acute onset of a pre-existing condition - Emergency medical evacuation
Hospital room and boardAverage semi-private room rate, including nursing services
Intensive care unitUp to the overall maximum limit.
SurgeryUp to the maximum limit
Physician visitsUp to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Emergency local ambulanceUp to the maximum limit
Emergency room accidentUp to the maximum limit
Emergency dental treatment$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental InjuryUp to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)
Emergency Medical Evacuation$1,000,000 maximum limit. (independent of the maximum limit)
Emergency reunion$50,000 maximum limit
Return of mortal remains or cremation/burial$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death
Return of minor children$50,000 maximum limit
Political evacuation$10,000 maximum limit
Natural disasterUp to $250 per day and maximum limit of five days for accommodations. Not subject to deductible
TerrorismUp to $50,000 maximum limit
Hospital indemnityUp to $100 per overnight up to a maximum of 10 overnights
Common carrier accidental death$50,000 per insured person and $250,000 maximum limit per lifetime and per family
Accidental death & dismemberment$25,000 principal sum
Hospital Emergency Room:InternationalUp to the maximum limit
Hospital Emergency Room:United StatesInjury not subjected to emergerncy room deductible. Illness: Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
Trip interruption$10,000 maximum limit. Not subject to deductible
Intensive CareUp to the maximum limit
Terrorism$50,000 maximum limit. Not subject to deductible
Urgent Care Clinic$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-In Clinic$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
LaboratoryUp to the maximum limit
Physical TherapyUp to the maximum limit
Interfacility Ambulance TransferCompany pays 100%
Lost luggage$50 per item, $500 maximum limit. Not subject to deductible
Identity Theft$500 maximum limit. Not subject to deductible
Pre-Certification50% reduction of eligible medical expenses if pre-certification provisions are not met
Personal Liability$10,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.