Patriot Platinum Group Insurance, Patriot Platinum travel medical insurance reviews
Patriot Platinum Group Insurance is the Short-term travel medical insurance for groups of five or more individuals and families.Patriot Platinum Group plans offer a complete package of international benefits available 24 hours a day.
Patriot Platinum International Group provides coverage for groups of U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S.
while Patriot Platinum America Group provides coverage for groups of non-U.S. citizens traveling outside their home country.
Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance.
This plan designed for Groups of travelers wanting first-class medical coverage,Vacationing families and individuals and Groups of executives.
Plan Benefits of Patriot Platinum Group Insurance, Patriot travel medical insurance
BenefitsCoverage
Intensive careUp to the maximum limit
Pre-Certification50% reduction of eligible medical expenses if pre-certification provisions are not met
Remote Transportation$5,000 per period, $20,000 lifetime maximum
Acute Onset of Pre-Existing Conditions(For U.S. citizens)Up to age 65 with primary health plan - $20,000 lifetime maximum. Up to age 65 without primary health plan - Up to the period of coverage limit or $1,000,000 (whichever is lower). Age 65+ with or without primary health plan - $2,500 lifetime maximum.
Acute Onset of Pre-Existing Conditions(For Non U.S. citizens)Up to age 69 - Up to the period of coverage limit or $1,000,000 (whichever is lower) $25,000 maximum limit for emergency medical evacuation.
Supplemental Accident$300 per covered accident
Incidental emergency in the U.S ( Patriot International Platinum )Up to 2 weeks
Hospitalization Room and BoardAverage semi-private room rate up to the maximum limit. Includes nursing service
SurgeryUp to the maximum limit
Physician VisitsUp to the maximum limit
Radiology/X-rayUp to the maximum limit
Prescriptions(Dispensing limit per prescription: 90 days)Up to the maximum limit
Home Nursing Care(Upon direct transfer from an acute care facility)Up to the maximum limit
Emergency Local AmbulanceUp to the maximum limit. Subject to deductible and coinsurance
Durable Medical EquipmentUp to the maximum limit
Dental Treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Reunion$100,000 maximum limit. Not subject to deductible
Return of Mortal RemainsUp to the 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$100,000 maximum limit. Not subject to deductible
Political Evacuation and Repatriation$100,000 maximum limit. Not subject to deductible
Natural Disaster Evacuation$25,000 maximum limit. Not subject to deductible
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
Physical TherapyUp to the maximum limit
Hospital Emergency Room(Outside the U.S.)Up to the maximum limit
Hospital Emergency Room(Inside the U.S.)Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission
Hospital Indemnity$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common Carrier Accidental Death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental Death & Dismemberment (AD&D) $50,000 principal sum. Not subject to deductible
Identity Theft$500 maximum limit. Not subject to deductible
Trip Interruption$10,000 maximum limit. Not subject to deductible
Lost Luggage$50 per item, $500 maximum limit. Not subject to deductible
Eligible Medical ExpensesUp to the maximum limit
Bedside Visit$1,500 maximum limit. Not subject to deductible
Outpatient Surgical / Hospital FacilityUp to the maximum limit
LaboratoryUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
Reconstructive SurgeryUp to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Chiropractic CareUp to the maximum limit
Extended Care FacilityUp to the maximum limit
Traumatic Dental InjuryUp to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance
Emergency Eye Examination$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance
Personal Liability$25,000 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.
Pet Return$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit$500 maximum limit. Not subject to deductible
Natural Disaster$250 per day and maximum limit of five days for accommodations. Not subject to deductible
