Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Patriot America Plus Group Insurance offers medical insurance coverage for groups of non US citizens travelling to the USA. Patriot America Plus Group is a short term travel medical insurance offering coverage for pre-existing conditions.
Ideal Plan for these group:
College students studying overseas
Families sponsoring J1 visa holders
International travelers on vacations
Visiting relatives from home country
Newly arrived immigrants
International Medical Group Patriot America Plus Group visitor health insurance summary
Patriot America Plus Group insurance eligibility
Non US citizens travelling to the USA.
International travelers requiring continuing coverage.
For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
Patriot America Plus Group coinsurance?
For treatment received outside the U.S: No coinsurance.
For treatment received within the U.S:
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Patriot America Plus Group optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Activities Covered upto lifetime maximum:
Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.
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. (avaliable on group plans)
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.Up to an additional $400,000.
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 provides 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
Acute Onset of a Pre-existing Condition
Under 70 years of age: Up to period of coverage maximum limit.
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
Plan benefits of Patriot America Plus Group insurance
Hospital room and boardAverage semi-private room rate, including nursing services
Intensive care unitUp to the overall maximum limit.
SurgeryUp to the maximum limit
Physician visitsUp to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Emergency local ambulanceUp to the maximum limit
Emergency room accidentUp to the maximum limit
Emergency dental treatment$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental InjuryUp to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)
Continuation of Treatment PeriodEarlier of 6 months per Injury or Illness or upon return to Home Country
Prescription DrugsUp to the Maximum Limit
Emergency medical evacuation$1,000,000 maximum limit. (independent of the maximum limit)
Emergency reunion$50,000 maximum limit
Return of mortal remains or cremation/burial$50,000 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.
Return of minor children$50,000 maximum limit.
Political evacuation$10,000 maximum limit.
Natural disasterUp to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
TerrorismUp to $50,000 lifetime maximum.
Hospital indemnityUp to $100 per overnight up to a maximum of 10 overnights.
Common carrier accidental death$50,000 per insured person and $250,000 maximum limit per lifetime and per family.
Accidental death & dismemberment$25,000 principal sum.
Trip interruptionUp to $5,000
Lost luggageUp to $50 per item; maximum of $250.
International Medical Group, IMG travel insurance Links