| Covid19 Coverage |
Patriot America Plus insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. |
Patriot America Lite insurance does not covers COVID-19. |
| Eligibility |
- 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.
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- Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips
- People travelling outside their home country whose destination includes the US and its territories.
- US citizens living outside USA who want to visit US
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| Coinsurance |
Coverage in US
In PPO- The plan pays 100%.
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100% |
Coverage in US
In PPO-The plan pays 100%.
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100% |
| Renewability |
Yes up to 2 years if initial purchase is 1 month |
Yes up to 2 years if initial purchase is 1 month |
| Length of Coverage |
Plan can be purchased for a minimum of 5 days up to a maximum of 2 years |
Plan can be purchased for a minimum of 5 days up to a maximum of 2 years |
| 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? |
Up to the maximum limit |
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? |
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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Not Covered |
| Life |
| Accidental death & dismemberment? |
$50,000 principal sum. Not subject to deductible. |
$50,000 principal sum. |
| Common carrier accidental death? |
$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 |
| Unique 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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- 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.
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| Travel Insurance |
| US Network of hospitals and doctors |
US PPO Network |
US PPO Network |
| Underwriter |
Patriot America Plus Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Patriot America Lite Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
| Rating |
Patriot America Plus Insurance Rating
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s |
Patriot America Lite Insurance Rating
AM Best Rating: "A" (Excellent) |
| Brochure and Details |
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