Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Comprehensive 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
Travelers of all ages can buy travel insurance. However the price and coverage will vary depending on the age of the traveler. The travel insurance will cost more for older travelers when compared to younger travelers. Some of the coverage benefits might be also be reduced for older travelers.
The cost of the travel insurance is directly dependant on the length of coverage required. The longer the visitor insurance coverage, the higher will be the cost .
The cost of the coverage depends on the destination of the traveler. The cost of coverage is higher in the United States when compared to countries outside the United States, this is because of the high cost of healthcare in the US.
The higher the medical maximum coverage required, the higher will be the cost of US travel insurance.
The higher the deductible on the travel insurance plan, the lower will be the policy cost. Choosing a plan with a low deductible increases the cost of coverage. A higher co-insurance will also reduce the cost of the policy when compared to lower co-insurance.
Yes, but it has a time restriction for purchase of 30 days within which after arriving in the US. This is for travellers above age 65. For travelers below age 65, there is a 6 month time period after arriving in the US to buy the plan
Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
Patriot America Plus plan offers coverage for pre-existing conditions.
Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot America is available but doesn’t offer coverage for pre-existing conditions.
Above 70 years:
Patriot Platinum and Visitors Care coverage offers limited coverage.
Above 80 years:
Patriot Platinum as it offers coverage $20,000 for travelers over 80 years
Other plans - Visitors Care offer coverage of $10,000
Visitors Care is a fixed benefit plans and most affordable plan. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
The Patriot America Plus insurance and the Patriot Platinum insurance products include COVID 19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020.