Patriot Travel Medical Insurance

Temporary health insurance for individuals, families, and groups

Summary of Benefits

Plan Information
 
Maximum Limits $50,000, $100,000, $500,000, $1,000,000
Individual Deductible Options $0, $100, $250, $500, $1,000, $2,500
Coinsurance for treatment received outside the U.S. Company pays 100%
Coinsurance for treatment received in the U.S. In the PPO network: Company pays 100%
Out of the PPO network: Company pays 80% of eligible expenses up to $5,000, then 100%
Incidental Trips to Home Country 14 consecutive days maximum limit
Insured person’s country of residence is not the U.S.
Incidental Emergency Coverage in the U.S.
(Patriot International only)
14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Hospitalization/Room & Board Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care Up to the maximum limit
Surgery Up to the maximum limit
Physician Visits/Services Up to the maximum limit
Radiology/X-ray Up to the maximum limit
Prescriptions
(Dispensing limit per prescription: 90 days)
Up to the maximum limit
Home Nursing Care
(Upon direct transfer from an acute care facility)
Up to the maximum limit
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission)
Up to the maximum limit. Subject to deductible and coinsurance
Durable Medical Equipment Up to the maximum limit
Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Medical Evacuation
(Must be approved in advance and coordinated by the company)
$1,000,000
Emergency Reunion
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial
(Must be approved in advance by the company)
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of Minor Children
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Political Evacuation & Repatriation
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Natural Disaster Evacuation Must be approved in advance by the company $25,000 maximum limit. Not subject to deductible.
Terrorism $50,000 maximum limit. Not subject to deductible
Acute Onset of Pre-Existing Conditions
(Insured person must be under 70 years of age) (Patriot International only)
United States citizens:
Age 64 and under without a primary health plan:
  • Maximum limit: $20,000
Age 64 and under with a primary health plan:
  • Up to the period of coverage limit
Age 65 through age 69:
  • Maximum limit: $2,500
Non-United States citizens:
Age 69 and under:
  • Up to the period of coverage limit or $1,000,000 (whichever is lower)
$25,000 maximum limit for emergency medical evacuation
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy
(Medical order or treatment plan required)
Up to the maximum limit
Hospital Emergency Room
(Outside the U.S.)
Up to the maximum limit
Hospital Emergency Room
(Inside the U.S.)
Injury not subject to emergency room deductible
Illness: 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
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common Carrier Accidental Death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident $50,000 principal sum. Not subject to deductible.
Identity Theft $500 maximum limit. Not subject to deductible
Trip Interruption $10,000 maximum limit. Not subject to deductible
Lost Luggage $50 per item, $500 maximum limit. Not subject to deductible
Eligible Medical Expenses Up to the maximum limit
Bedside Visit
Hospitalized in an intensive care unit
$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital Facility Up to the maximum limit
Laboratory Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Chiropractic Care
Medical order or treatment plan required
Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility
Up to the maximum limit
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Company pays 100%
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Personal Liability
Secondary to any other insurance
$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return
For a pet cat or dog traveling with the insured person
$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person
$500 maximum limit. Not subject to deductible.
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Coverage Information

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, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, 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. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance. 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

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.

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.

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.  This rider must be purchased for a minimum purchase of three months regardless of the minimum number of days being traveled.

 

 

Non-Life-Threatening Medical Evaluation Up to a maximum of $25,000

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.

Important Notice Regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine if PPACA is applicable to them, and the Company and IMG shall have no liability to any person whatsoever for their failure to obtain or maintain PPACA compliant insurance coverage.

 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

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