| Insurance Providers |
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| Covid19 Coverage |
Not Covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. |
Safe Travels USA Comprehensive covers COVID19 expenses and treated as any other sickness. |
| Coinsurance |
In PPO- Plan pays 100%
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100%
|
- In-network: Plan pays 100%
- Out-of-network: Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
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| Policy maximum |
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
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Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
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| Medical Benefits |
| Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
The average semi private room rate |
| Urgent Care Clinic |
$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
| Radiology / X-ray |
Up to the maximum limit |
Up to the maximum limit |
| Physical Therapy |
Up to the maximum limit (Medical order or treatment plan required) |
Limited to $50 per visit, one visit per day and 10 visits per Policy Period. |
| Prescription Drugs and Medications |
Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
Covered |
| Emergency Services |
| Emergency local ambulance |
Up to the maximum limit |
Covered |
| Emergency Medical Treatment of Pregnancy |
Not Covered |
$1,000 per Policy Period |
| Dental |
| Emergency dental treatment |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
$250 per Policy Period |
| Evacuation |
| Emergency medical evacuation |
Up to the maximum limit. Not subject to deductible |
100% up to $2,000,000 |
| Emergency reunion |
$100,000 maximum limit. Not subject to deductible |
$15,000 |
| 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 |
100% up to $50,000 |
| Return of minor children |
$100,000 maximum limit. Not subject to deductible |
$5,000 |
| Political evacuation and repatriation |
$100,000 maximum limit. Not subject to deductible |
$25,000 |
| Natural disaster evacuation |
$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) |
$25,000 |
| 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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For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or
cardiac conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above.Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
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| Life |
| AD&D |
$50,000 principal sum. Not subject to deductible. |
$25,000 principal sum. |
| Other Benefits |
| Lost luggage |
$50 per item, $500 maximum limit. Not subject to deductible |
$1,000 per Policy Period |
| Definition of Acute onset of Pre-existing Condition |
Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance. |
Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy.
A sudden and unexpected outbreak or recurrence of a PreExisting Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care.
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| 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 1 year, Renewable up to 2 years |
| Unique Advantages |
Patriot Travel Insurance Advantages:
- Optional coverage for adventure sports with purchase of the rider.
- It is a comprehensive benefit plan.
- Optional coverage for Enhanced AD&D rider.
- Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
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Safe Travels USA Comprehensive Advantages:
- 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
- Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
- Emergency medical treatment of pregnancy up to $1,000
- Mental or nervous disorders up to $2,500
- Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
- Dental treatment - for injury or emergency alleviation of pain $250
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| Travel Insurance |
| US Network of hospitals and doctors |
US PPO Network |
US PPO Network |
| Underwriter |
Patriot Travel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Safe Travels USA Comprehensive Underwriter
Crum and Froster SPC |
| Rating |
Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent) |
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+” |
| Brochure and Details |
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