| Insurance Providers |
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| Medical Maximum Options |
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k
Ages 80+: $10,000
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k
Ages 80+: $10k |
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k, $100k
80 years and older: $10k
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| Deductible Options |
$0, $100, $250, $500, $1k or $2.5k |
$0; $100; $250: $500; $1k, $5k |
| Coinsurance |
In PPO - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5k, then 100%
Coverage outside US: Plan pays 100%
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Coverage in USA
In PPO - The plan pays 100%.
Outside PPO - The plan pays 90% of the first $5k, then 100% to the medical maximum.
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| Length of Coverage | Minimum : 5 days
Maximum : 2 years |
Minimum: 5 days
Maximum: 364 days |
| Renewability |
Yes : Up to 2 years if initial purchase is 1 month |
Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.
$5 administrative fee is charged for each renewal. |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
URC to medical maximum |
| Hospital indemnity |
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
$150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible |
| Urgent Care Clinic |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
URC to medical maximum $20 copay |
| Emergency Services |
| Emergency local ambulance |
Covered |
$10,000 |
| 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 |
URC to medical maximum up to $100 copay |
| Dental |
| Emergency dental treatment |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
$250 maximum limit due to accident and $100 for sudden relief of pain |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Patriot America Lite: Not Covered
Patriot International:Under 70 years of age,with varying limits by age up to $1M. $25k maximum limit for medical evacuation.
Under 70 years of age,with varying limits by age up to $1M. $25k maximum limit for medical evacuation.
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With Cardiac Condition and/or Stroke:
Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
Other than Cardiac Condition and/or Stroke:
Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7,500 |
| Life |
| AD&D |
$50k principal sum. |
Primary Insured or Travel Companion $25k Principal Sum.
Eligible Dependent Children $5k Principal Sum.
Aggregate limit of $250k for total number of insureds on the plan. |
| Common carrier AD&D |
$25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible |
Primary Insured or Travel Companion $50k Principal Sum.
Eligible Dependent Children $10k Principal Sum.
Aggregate limit of $250k for total number of insureds on the plan. |
| Evacuation |
| Emergency medical evacuation |
Up to the Maximum Limit |
Up to $500k |
| Emergency reunion |
$100k maximum limit. Not subject to deductible |
$200 per day, 10-day limit $100k maximum |
| Return of mortal remains or cremation/burial |
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
Up to $50k |
| Return of minor children |
$100k maximum limit. Not subject to deductible |
$50k maximum limit. Not subject to deductible |
| Political evacuation and repatriation |
$100k maximum limit. Not subject to deductible |
$10k |
| Natural disaster evacuation |
$25k maximum limit. Not subject to deductible (Must be approved in advance by the company) |
$25k maximum limit. Not subject to deductible |
| Trip interruption |
$10k maximum limit. Not subject to deductible |
$5k maximum limit. Not subject to deductible |
| Terrorism |
$50k maximum limit. Not subject to deductible |
$25k maximum limit. Not subject to deductible |
| Unique Advantages |
- Optional coverage for adventure sports with purchase of the rider.
- Patriot travel Insurance is ideal for US citizens and expats residing outside and visiting USA.
- Optional coverage for Enhanced AD&D rider.
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- Comprehensive visitors insurance.
- Travel Medical Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
- Only one time deductible per period of coverage.
- Cancellation and refund of full premium before policy start date.
- With minimum $50k coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
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| Travel Insurance |
| US Network of hospitals and doctors |
» US PPO Network |
» US PPO Network |
| International Network of hospitals and doctors |
» International PPO Network |
» International PPO Network |
| Underwriter |
Sirius International Insurance Corporation |
Crum & Forster SPC |
| Rating |
AM Best Rating: "A" (Excellent) |
AM Best Rating: "A" (Excellent) |
| Brochure and Details |
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