Patriot International Insurance Reviews

  • Covers people travelling outside their home country whose destination excludes US and its territories.
  • Plan maximum options available up to $1 million.

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Review Patriot International Advantages and disadvantages

Patriot International Insurance Advantages

  • It is a comprehensive benefit plan.
  • One time deductible per policy period.
  • Complies with SCHENGHEN visa requirements.
  • Plan administrator provides VISA LETTER online.
  • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
  • Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
  • Discounts on pharmacy for certificate holders of patriot plans through participating pharmacies in the US.
  • Optional rider cover for adventure sports, AD&D, citizenship return rider and evacuation plus rider.
  • Coinsurance outside US & Canada - No coinsurance.
  • Additional benefit for US citizens - Sudden and unexpected recurrence of pre-existing condition.

Patriot International Insurance Disadvantages

  • Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US and for below 65 year old the coverage must begin within 6 months of arrival in US.

What are some insurance terms important in Patriot International Insurance reviews?

  • Plan Maximum coverage of Patriot International travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot International insurance offers maximum coverage up to 1 million.
  • What is a deductible in Patriot International visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot International insurance has deductible options from $0 up to $2,500
  • What is a provider network of Patriot International Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Patriot International visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot International plan have no coinsurance coverage outside USA.
    For coverage inside USA:
    Patriot International pays
    The plan pays 100%.
    The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Renewability of Patriot International Travel health insurance
    Patriot International Insurance can be renewed from 5 days to 364 days and later can be renewed maximum up to 2 years.
  • Eligibility to buy Patriot International Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot International has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Patriot International Pre-existing conditions Visitors Insurance for international travelers
    Patriot International insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years for acute onset of pre-existing conditions.
  • Patriot International Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

A working example of using Patriot International travel insurance (Offered by International Medical Group)

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred outside US and in the PPO: After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $24,000
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,000 minus $100 equals $23,900. Insured bears $100
  2. Apply 100% coinsurance.
  3. Plan/insurance company pays 100%: $23,900 and insured bears $100
Patriot International
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Days in hospital $2,000/day for 3 days $5,900 $100 (Deductible)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24000 $23,900 $100

Unique Benefits

  • Comprehensive benefit plan.
  • Complies with SCHENGHEN visa requirements.
  • Plan administrator provides VISA LETTER online.
  • Co-insurance: Outside the USA plan pays 100% of all eligible expenses up to policy maximum.
  • Emergency medical evacuation: $1,000,000 maximum limit.. Not subject to deductible or co-insurance.
  • Repatriation of remains: Up to $50,000.
  • Trip Interruption: $5,000/certificate period.
  • Lost Luggage: $50/item of personal property. $250/certificate period.
  • Optional sports rider available.
  • Natural disaster benefit: Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
  • Offers coverage for acute onset of pre-existing conditions for US and Non US citizens

Patriot International travel medical insurance reviews

underwriters Patriot International Travel Insurance Underwriter
Best Rating Patriot International Insurance Rating
  • AM Best Rating: "A" (Excellent)

International Medical Group, IMG travel insurance Links

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