Best travel insurance for 90 year old

Crisis Response

• Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
• The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
  • Ransom
  • Crisis response fees and expenses
  • Reimbursement for personal belongings surrendered
• This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.

Personal Liability Rider

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
  • Accidental loss of or damage to a third person’s material property (up to $25,000)
  • Accidental loss of or damage to a related third person’s material property (up to $2,500)
• This upgrade increases your Personal Liability coverage from $25,000 to $100,000.

Please note the following:

• Partial cancellation is not permitted. If the named insured or any dependent cancels, the entire plan is cancelled for all persons.
• If multiple plans (ie plan numbers) are present in the same household, each must be cancelled separately. This situation may occur when one person is above age 70 and another is below age 70. A separate cancellation form, completed, with a separate cancellation fee, is required for each.
• A $25 Fee is required to process the form.

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

1. Patriot America Plus Insurance Adventure Sports Rider: Available for those up to the age of 65 years. If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy. This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.
Coverage Limits:
0-49 years: $50k certificate period
50-59 years: $30k certificate period
60-64 years: $15k certificate period
Adventure Sports Rider - More Details

2. Chaperone/Faculty Leader Replacement Rider: 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. This causes the insured person to cancel or interrupt travel. The plan covers reimbursement up to $3K for the expense of a round-trip economy airline ticket for a replacement Chaperone/Faculty Leader. (Available on group plans)
Chaperone Replacement Rider - More Details

3. Enhanced Accidental Death & Dismemberment Rider (AD&D Rider): The AD&D rider will pay you or your beneficiaries up to $400K if your death or dismemberment is the direct result of an accident. This optional coverage is available for the primary insured person only. It is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Accidental Death & Dismemberment - More Details

4. Mobile Device Protection: Available in select countries on individual plans only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip—so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.
Mobile Device Protection - More Details
Bolt Device Protection - More Details

5. Trip Cancellation, Interruption and Travel Delay Rider: Available on individual plans for U.S. residents only
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

6. Teladoc Rider: Insured persons who meet the eligibility requirements are eligible for this rider.
Inpatient or Outpatient Services:
Teladoc Consultation: Mental or nervous disorders are not covered. Applicable in the United States. Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised, or identified during such consultation is covered under this insurance. The company reserves the right to decline future claims relating to or arising from any condition discussed during a Teladoc Consultation if the illness or injury is otherwise excluded under the Certificate of Insurance.
Teladoc Rider - More Details
Teladoc Global Rider - More Details
Teladoc Registration Instructions - More Details

Additional AD&D

• Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
• Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.

Athletic and Hazardous Activity Rider

• Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
• For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
• For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
  • Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
  • High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
• For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
  • Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
  • Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
  • High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.

Optional coverage for Adventure Activities

• Covers up to medical maximum
• The company will reimburse you for covered expenses up to the amount in the schedule of benefits resulting from an injury sustained while participating in any of the following activities:
  • Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Evacuation Plus Rider

• 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.
  • Non Life-threatening Medical Evacuation - Up to a maximum of $25,000
  • picture_as_pdf Brochure

Hazardous Activities Rider

• Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
• The following items will become covered with the purchase of the Hazardous Activities rider:
  • American Football
  • Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
  • Kite-Surfing
  • Mountaineering
  • Parachuting, Paragliding, Powerlifting
  • Running with the Bulls, Sky Surfing
  • Snow Skiing and Snowboarding
  • Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
  • Waterskiing, Whitewater Rafting.

Intercollegiate/Interscholastic Sports

Provides an additional $50,000 coverage for those participating in intercollegiate or interscholastic sports. This rider is available for just an additional $2.00 per person, per day.

Crisis Response

• Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
• The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
  • Ransom
  • Crisis response fees and expenses
  • Reimbursement for personal belongings surrendered
• This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.

Personal Liability Rider

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
  • Accidental loss of or damage to a third person’s material property (up to $25,000)
  • Accidental loss of or damage to a related third person’s material property (up to $2,500)
• This upgrade increases your Personal Liability coverage from $25,000 to $100,000.