|Terrorism Coverage ||Up to $50,000 lifetime maximum |
Each Patriot Group plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum. Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person's date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.
This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person's arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.
|Sports & Activities Coverage ||Up to the Maximum Limit for basic sports Coverage as described below |
Each Patriot Group plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activities (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/orsanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee, and or Adventure Sports.
Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.
|Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only) ||Click for more information |
(U.S. citizens only) For those up to age 65 with a primary health plan,
Patriot International Group will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a
Pre-existing Condition (defined on the Exclusions page) up to the plan maximum. For those without a primary health plan,
Patriot International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with
or without a primary health plan, Patriot International will pay up to a $2,500 lifetime maximum.
The primary health plan must have existed prior to the effective date and during coverage of the Patriot
plan, and the Pre-existing Condition must be covered under the primary health plan
|Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for non-U.S. citizens only) ||Click for more information |
(Non-U.S. citizens only) For those under age 65, Patriot America Group
will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those age 65 and older, Patriot America Group will pay up to $2,500
|Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation
||Click for more information |
In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the for the eligible costs and expenses of an
Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.
|Incidental Home Country Coverage ||Up to a cumulative two weeks |
Incidental Home Country Coverage - During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their home country, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
|End of Trip Home Country Coverage ||Click for more information |
End of Trip Home Country Coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).
|Trip Interruption ||Up to $5,000 |
If, during a covered trip, there is an unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Group plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.
|Common Carrier Accidental Death ||$50,000 to Beneficiary; maximum of $250,000 per family |
If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, to a maximum of $250,000 per family.
|Accidental Death & Dismemberment ||$25,000 principal sum |
Each Patriot Group plan offers a $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of Coverage:
“Member” means hand, foot or eye.
- Accidental Loss of life - principal sum
- Accidental Loss of two Members - principal sum
- Accidental Loss of one Member - 50% of principal sum
|Lost Luggage ||Up to $50 per item of personal property; maximum of $250 |
A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.