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Patriot International Insurance Review

Patriot International  Insurance
Insurance provider
International Medical Group
Plan life
5 days to 364 days.
Patriot International Insurance can be renewed online maximum up to 2 years.
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000 per insured person
Deductible options?
$0, $100, $250, $500, $1,000 or $2,500 per insured person
Patriot International insurance rating
AM Best Rating: "A" (Excellent)
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Compare Patriot travel insurance plans
Patriot International insurance coinsurance?

IMG pays 100% outside of the U.S.

Patriot International insurance underwriter?

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot International Links

  • Brochures
  • Advantages
  • Comprehensive
  • Claims
  • Renewal
  • Group quotes
  • Application

Patriot International travel insurance

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

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  Insurance

Patriot International Insurance

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

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
    IN PPO NETWORK
    The plan pays 100%.
    OUT OF PPO NETWORK
    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.

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IMG travel insurance coverage for Coronavirus (Covid 19)

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Patriot International Travel Insurance - Common Questions

Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International travel insurance also offers visa letter in French if required.

Patriot International insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.

Patriot International insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot international insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International insurance working example.

Yes Patriot International Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot International insurance online.

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
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