Patriot Patriot GoTravel insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Patriot Patriot GoTravel Insurance, Comprehensive US visitors medical insurance
Patriot GoTravel Insurance is a popular visitor health insurance coverage for Non US citizens visiting the USA. This plan best suits the short term health insurance needs of visiting family members such as parents, in-laws... and tourists vacationing in America. Patriot GoTravel Insurance offers pre-existing condition coverage for US Citizens and Non US citizens.
Plan can be renewed up to 2 years if the plan is initially purchased for 1 month.
Coverage for US citizens traveling outside the US.
Refund of premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
Coverage for sudden recurrence of pre-existing condition up to $15,000 and $25,000 for Pre-ex medical evacuation. (Benefit for US citizen only).
Indemnity coverage for US citizens.
Plan provider's additional benefits like Terrorism Coverage, Sports & Activities Coverage, Incidental Home Country Coverage, Identity Theft Assistance, Natural Disaster, Trip Interruption, Common Carrier Accidental Death and AD&D.
$50,000 coverage for above 70 years old travelers.
Universal RX pharmacy discount savings for Patriot GoTravel plan holders.
Cannot be renewed if the policy is purchased for less than 1 month.
Does not offer coverage for Emergency Medical Evacuation, Return of Mortal Remains, Return of Minor Children, Political Evacuation
Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US and for below 65 year old the coverage must begin within 6 months of arrival in US.
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)
For easy and immediate access of the IMG documents and services, IMG has provided an ONLINE FULLFILLMENT KIT. This online kit allows the applicant to communicate electronically and download the ID card, IMG contact numbers, claims forms and insurance certificate providing the complete description of the coverage.
To receive the online kit, the applicant must check the appropriate box listed in Section 2 of the application form. The applicant must provide a correct email address to complete this process. If IMG has processed and approved the application, an email will be sent from IMG that contains all the hyperlinks to easily obtain the fullfillment information.
International Medical Group Patriot GoTravel insurance summary
Patriot GoTravel insurance eligibility
Patriot GoTravel International: Offers coverage for US Citizens travelling outside the US for a minimum of 10 days up to a maximum of 2 years.
Patriot GoTravel America: Offers coverage for Non US citizens travelling outside their home country for a minimum of 10 days up to a maximum of 2 years.
For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
Patriot GoTravel insurance coinsurance?
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 Maximum Limit.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Patriot GoTravel insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
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)
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.
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 GoTravel insurance Acute onset of a pre-existing condition
For US Citizens:
Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
Up to age 65 with primary health plan - usual, reasonable and customary charges up to plan maximum.
Up to age 65 without primary health plan - $20,000 lifetime maximum.
65 years and above with or without primary health plan - $2,500 lifetime maximum.
For Non US Citizens:
Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
Up to age 65 - $50,000 lifetime maximum for eligible expenses.
Patriot GoTravel insurance Acute onset of a pre-existing condition
