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.
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.
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 upto lifetime maximum:
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.
Can be purchased at the time of application and this rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected.
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.
Plan Benefits of Patriot GoTravel Insurance
Benefits
Coverage
Hospital room and board
Up to the maximum limit for average semi-private room rate.
Intensive care
Up to the Maximum Limit.
Benefit Period
6 months
Emergency local ambulance
Up to the Maximum Limit.
Prescription Drugs
Up to the Maximum Limit.
Hospital Daily Indemnity
$100/night, maximum 10 days.
Sports & Activities Coverage
Up to maximum limit for basic sports.
Terrorism Coverage
Up to 50,000 maximum limit.
Intensive Care
Up to the Maximum Limit.
Incidental Home Country Coverage
Up to a cumulative two weeks.
Accidental Death & Dismemberment
$25,000 principal sum.
Medical Expenses
Up to the Maximum Limit.
Natural Disaster
$100 per day for 5 days.
Identity Theft Assitance
Up to $500 per Period of Coverage.
Trip Interruption
Up to $5,000.
Common Carrier Accidental Death
$50,000 to beneficiary, maximum of $250,000 per family.
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Optional Riders
