Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

Summary of Benefits

All amounts shown are in U.S. dollars.

Plan Information
 
Maximum Limit Per Period of Coverage Options $50,000, $100,000, $500,000
Individual Deductible Options Your choice of $0, $100, $250, $500, $1,000 or $2,500
Coinsurance - for treatment received outside the U.S. & Canada Company pays 100%
Coinsurance - for treatment received within the U.S. & Canada In the PPO Network - The plan pays 100% 
Out of the PPO Network -The plan pays 80% of eligible medical expenses up to $5,000, then 100%
MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits Coverage available for in-patient and out-patient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
INPATIENT/OUTPATIENT BENEFITSSubject to the coinsurance and deductible
 
Hospital Room and Board Average semi-private room rate up to the maximum limit
Intensive Care Unit Up to the maximum limit
Eligible Medical Expenses Up to the maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses Up to period of coverage maximum limit
Local Ambulance Up to the maximum limit
Prescription Medication Up to the maximum limit
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the period of coverage maximum limit. Subject to deductible and coinsurance. Additional treatment for the same injury rendered by a dental provider will be paid at 100%.
Emergency Dental Treatment
Due to dental accident or unexpected pain to sound natural teeth
$300 maximum limit
Hospital Daily Indemnity $100 per overnight. Up to a maximum limit of 10 overnights
Terrorism $50,000 maximum limit
Urgent Care $25 co-pay. Co-pay is not applicable when the $0 deductible is selected.
Not subject to deductible
Walk-in Clinic $15 co-pay. Co-pay is not applicable when the $0 deductible is selected.
Not subject to deductible
Evacuation Benefits Not subject to a deductible or coinsurance.
 
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company
$1,000,000 maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation $25,000 maximum limit
Emergency Reunion
Must be approved in advance and coordinated by the company
$50,000 maximum limit
Return of Mortal Remains or
Cremation/Burial
Must be approved in advance and coordinated by the company
$50,000 maximum limit for Return of Mortal Remains or
$5,000 maximum limit for Cremation/Burial
Return of Minor Children
Must be approved in advance and coordinated by the company
$50,000 maximum limit
Political Evacuation
Must be approved in advance and coordinated by the company
$10,000 maximum limit
Additional Benefits Not subject to a deductible or coinsurance.
 
Incidental Trips to Home Country
Insured person's country of residence is not the U.S.
Up to a cumulative two weeks
Trip Interruption $5,000 maximum limit
Common Carrier Accidental Death $50,000 to beneficiary; maximum limit of $250,000 per lifetime per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage $50 per item; maximum limit of $250
Natural Disaster $250 per day for five days maximum
Identity Theft $500 maximum limit

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

 

Age Maximum Limit
Through age 49 $50,000
50-59 $30,000
60-64 $15,000

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Enhanced AD&D Rider

(Individuals Only)

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.

Evacuation Plus Rider

This optional rider is available to insureds up to age 65.  It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.  This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation Up to a maximum of $25,000
Natural Disaster Evacuation Up to a maximum of $5,000

Chaperone/Faculty Leader Replacement Rider

(Groups Only)

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.

 

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    Joan D. United States
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    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.