Patriot International Insurance for US citizens

Patriot International Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories. It covers acute onset of pre-existing condition coverage. Patriot International is very popular among travelers visiting European countries and applying for Schengen Visa.
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Age
Traveler 2: Age*
Start Date
End Date
Coverage
Citizenship
*Enter if required: Traveler 2 Age
Insurance Provider
Insurance Provider
International Medical Group
Plan Life
Plan Life
5 days to 364 days and later can be renewed maximum up to 2 years
Policy Maximum
Policy Maximum?
$50,000, $100,000, $500,000, $1,000,000, $2,000,000 per insured person
Deductible Options
Deductible Options?
$0, $100, $250, $500, $1,000 or $2,500 per insured person
Schengen Visa Letter
Patriot International Insurance satisfies Schengen visa requirements. After purchasing Schengen Visa travel insurance policy you can obtain the letter as required by the Schengen Consulates. Click on Schengen Visa Letter button to obtain the letter. List of nationalities who need Schengen Visa. The visa letter in available in English, Spanish and French Languages.

International Medical Group Patriot International health insurance summary

eligibility Eligibility
  • People outside their home country whose destination excludes the United States or its territories.
underwriters Underwriter

emergency-care 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.
Best Rating Rating
  • AM Best Rating: "A" (Excellent)

Renewal Renewability
  • Patriot International insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
  • Prior to the end of each period of coverage purchased, you will receive renewal information.
  • You have the option to renew online or you may complete a paper renewal form.
  • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
Optional-coverage Optional Riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • Adventure Sports rider
  • Chaperone Replacement Rider
  • Enhanced AD & D Rider
  • Evacuation Plus Rider
Pre-ex Acute Onset of a Pre-existing Condition
  • For US Citizens(Medical)
    • Up to age 65 with primary health plan: Up to maximum limit.
    • Up to age 65 witout primary health plan: $20,000 certificate period.
    • Age 65 to age 70: $2,500 certificate period.
  • For Non US citizens(Medical)
    • Up to age 70 years: Up to maximum limit or $500,000 whichever is less
  • Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
    • Up to $25,000 maximum limit for up to age 65.

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Plan Benefits of Patriot International Insurance

Benefits Coverage
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive care Up to the maximum limit
Surgery Up to the maximum limit
Physician visits Up 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 ambulance Up to the maximum limit
Emergency room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth.
Traumatic Dental Injury Up 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. Not subject to deductible. Must be approved in advance and coordinated by the company.
Emergency reunion $50,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the company.
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.
Not subject to deductible.
Return of minor children $50,000 maximum limit.
Political evacuation $10,000 maximum limit.
Natural disaster Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 maximum limit.
Hospital indemnity Up 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.
Physical Therapy Up to the maximum limit.
Trip interruption Up to $5,000
Lost luggage Up to $50 per item; maximum of $250.
Identity Theft $500 maximum limit. Not subject to deductible.
Hospital Emergency Room:International Deductible waived
Hospital Emergency Room:United States Injury 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.
Incidental Trips to Home Country 14 consecutive days maximum limit
Personal Liability Injury to third person: $100 per injury deductible Damage to third person's property: $100 per injury deductible
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