Patriot International Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories. It covers acute onset of pre-existing condition coverage.
Patriot International is very popular among travelers visiting European countries and applying for Schengen Visa.
Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
Discounts on pharmacy for certificate holders of patriot plans through participating pharmacies in the US.
Optional rider cover for adventure sports, AD&D, citizenship return rider and evacuation plus rider.
Coinsurance outside US & Canada - No coinsurance.
Coinsurance inside US & Canada - Within PPO network, plan pays 90% of eligible expenses up to $5,000, then 100% up to Max limit. Outside PPO network, plan pays 80% of eligible expenses up to $5,000, then 100% up to Max limit.
Additional benefit for US citizens with primary health coverage - Coverage for pre-existing conditions up to plan maximum.
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 International insurance 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 up to certificate period:
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)
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. Coverage must be purchased for a minimum of three months.
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
Hospital room and boardOutside the U.S: Up to the maximum limit Inside the U.S: 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
Pre-Certification50% reduction of eligible medical expenses if pre-certification provisions are not met
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 roomUp to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency dental treatment$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental InjuryUp to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency Medical EvacuationUp to the maximum limit. Not subject to deductible
Emergency reunion$100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burialUp 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
Hospital Emergency Room:InternationalUp to the maximum limit
Hospital Emergency Room:Up to the maximum limitInjury not subjected to emergerncy room deductible. Illness: Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
Urgent Care Clinic25 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
Return of minor children$100,000 maximum limit. Not subject to deductible
Political evacuation$100,000 maximum limit. Not subject to deductible
Natural disaster$25,000 maximum limit. Not subject to deductible
TerrorismUp to $50,000 maximum limit. Not subject to deductible
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$50,000 principal sum. Not subject to deductible
LaboratoryUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
Reconstructive SurgeryUp to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Chiropractic CareUp to the maximum limit
Extended Care FacilityUp to the maximum limit
Interfacility Ambulance TransferCompany pays 100%
Pet Return$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit$500 maximum limit. Not subject to deductible
Bedside Visit$1,500 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
Identity Theft$500 maximum limit. Not subject to deductible
Incidental Trips to Home Country14 consecutive days maximum limit
Personal Liability$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
Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International travel insurance also offers visa letter in French if required.
Patriot International insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot international insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International insurance working example.
Yes Patriot International Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot International insurance online.
Patriot International Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions: Cancellation before effective date:
Full refund of premium.
Cancellation after effective date:
$50 cancellation fee will be charged by the insurance company.
Only full month premium will be considered for refund.
International Medical Group, IMG travel insurance Links
Patriot International insurance coverage for Acute onset of a pre-existing condition
