| Covid19 coverage |
Not Available
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. |
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. |
| Eligibility |
People travelling outside their home country whose destination includes the US and its territories.
Patriot America Plus:
Non US citizens travelling to the USA.
US citizens living outside USA who want to visit US.
Green Card Holders in the US are eligible as long as their primary residence is outside the US.
Patriot International Lite:People outside their home country whose destination excludes the United States or its territories.
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- Patriot Platinum International:
offers coverage for US Citizens travelling outside the US with coverage for brief to USA.
- Patriot Platinum America: offers coverage for Non US citizens travelling outside their home country.
Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
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| Coinsurance - for treatment received inside the U.S. & Canada
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In the PPO Network
The plan pays 100%.
Out of the PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit |
In the PPO Network
IMG pays 100%
Out of the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit |
| In-Patient Medical Benefits |
| Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
Average semi-private room rate up to the maximum limit. Includes nursing service |
| Eligible medical expenses |
Company pays 100% after deductible is met |
Up to the maximum limit |
| Surgery |
Up to the maximum limit |
Up to the maximum limit |
| Intensive care unit |
Up to the overall maximum limit |
Up to the overall maximum limit |
| Bedside visit |
$1,500 maximum limit. Not subject to deductible |
$1,500 maximum limit. Not subject to deductible |
| Hospital indemnity |
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Out-Patient Medical Benefits |
| Physician visits |
Up to the maximum limit |
Up to the maximum limit |
| Urgent Care Clinic |
$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Radiology / X-ray |
Up to the maximum limit |
Up to the maximum limit |
| Walk-In Clinic |
$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Laboratory |
Up to the maximum limit |
Up to the maximum limit |
| Physical Therapy |
Up to the maximum limit (Medical order or treatment plan required) |
Up to the maximum limit (Medical order or treatment plan required) |
| Assistant Surgeon |
20% of the primary surgeon’s eligible fee) |
20% of the primary surgeon’s eligible fee |
| Prescription Drugs and Medications |
Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
| Reconstructive Surgery |
Up to the maximum limit |
Up to the maximum limit |
| Emergency Services |
| Emergency local ambulance |
Up to the maximum limit |
Up to the maximum limit |
| Hospital emergency room |
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Interfacility ambulance transfer |
Company pays 100% |
Company pays 100% |
| Emergency eye examination |
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) |
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) |
| Dental |
| Emergency dental treatment |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Traumatic Dental Injury |
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Evacuation |
| Emergency medical evacuation |
Up to the maximum limit. Not subject to deductible |
Up to the Maximum Limit |
| Emergency reunion |
$100,000 maximum limit. Not subject to deductible |
$100,000 maximum limit. Not subject to deductible |
| Return of mortal remains or cremation/burial |
Up 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 |
Up 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 |
$100,000 maximum limit. Not subject to deductible |
| Political evacuation and repatriation |
$100,000 maximum limit. Not subject to deductible |
$100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation |
$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) |
$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) |
| Trip Protection |
| Natural disaster |
$250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
$250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Trip interruption |
$10,000 maximum limit. Not subject to deductible |
$10,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death |
$500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person) |
$500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person) |
| Identity theft |
$500 maximum limit. Not subject to deductible |
$500 maximum limit. Not subject to deductible |
| Terrorism |
$50,000 maximum limit. Not subject to deductible |
$50,000 maximum limit. Not subject to deductible |
| Lost luggage |
$50 per item, $500 maximum limit. Not subject to deductible |
$50 per item, $500 maximum limit. Not subject to deductible |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
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Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
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| Life |
| AD&D |
$50,000 principal sum. Not subject to deductible. |
$50,000 principal sum. |
| Common carrier AD&D |
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Other Benefits |
| Extended care facility |
Up to the maximum limit |
Up to the maximum limit |
| Pet return |
$1,000 maximum limit. Not subject to deductible |
$1,000 maximum limit. Not subject to deductible |
| Durable medical equipment |
Up to the maximum limit |
Up to the maximum limit |
| 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 |
$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 |
| Optional Riders |
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus Rider |
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider |
| Unique Advantages |
Patriot Travel Insurance Advantages:
- Optional coverage for adventure sports with purchase of the rider.
- Patriot America Lite Insurance is ideal for US citizens and expats residing outside and visiting USA.
- Optional coverage for Enhanced AD&D rider.
- Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
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Patriot Platinum Insurance Advantages:
- It is a comprehensive coverage plan.
- Coverage up to $8 million.Wide range of deductibles to choose from.
- US expats looking to visit the US can buy Patriot Platinum travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
- Universal RX pharmacy discount savings when pharmacy purchased with the participating pharmacies.
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| Travel Insurance |
| Underwriter |
Patriot Travel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Patriot Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
| Rating |
Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent) |
Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent) |
| Brochure and Details |
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Patriot Travel Insurance Restrictions
