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Patriot GoTravel Insurance Reviews

Quotes for Patriot Patriot GoTravel insurance

Patriot GoTravel travel insurance

  • Plan maximum upto $2 million.
  • Optional coverage for adventure sports, AD & D and Citizenship rider.
  • Provides coverage for pre-existing conditions for non-US citizens.
Patriot GoTravel links

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Comprehensive

A working example of using Patriot GoTravel insurance (Offered by International Medical Group)

Consider an example - Inside the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 90% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 90% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.90 equals $4500. Insured bears $500
  3. Plan/insurance company pays: $24,000 minus $500 equals $23,500 and insured bears $600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,500+$1,000 $500 (90% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $23,500 $600

Consider an example - Out of the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
  3. Plan/insurance company pays: $24,000 minus $1,000 equals $23,000 and insured bears $1,100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,000+$1,000 $1,000 (80% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $23,000 $1,100
  • Advantages
  • Disadvantages

Patriot GoTravel Insurance advantages

  • It is a comprehensive plan.
  • Plan can be renewed up to 2 years if the plan is initially purchased for 1 month.
  • Coverage for US citizens traveling outside the US.
  • Refund of 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.
  • Coverage for sudden recurrence of pre-existing condition up to $15,000 and $25,000 for Pre-ex medical evacuation. (Benefit for US citizen only).
  • Indemnity coverage for US citizens.
  • Plan provider's additional benefits like Terrorism Coverage, Sports & Activities Coverage, Incidental Home Country Coverage, Identity Theft Assistance, Natural Disaster, Trip Interruption, Common Carrier Accidental Death and AD&D.
  • $50,000 coverage for above 70 years old travelers.
  • Universal RX pharmacy discount savings for Patriot Go travel plan holders.
  • Good PPO network.

Patriot GoTravel Insurance Disadvantages

  • Cannot be renewed if the policy is purchased for less than 1 month.
  • Does not offer coverage for Emergency Medical Evacuation, Return of Mortal Remains, Return of Minor Children, Political Evacuation.
  • Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US and for below 65 year old the coverage must begin within 6 months of arrival in US.

What are some insurance terms important in Patriot GoTravel Insurance reviews?

  • Plan Maximum coverage of Patriot GoTravel travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot GoTravel insurance offers maximum coverage up to 2 million.
  • What is a deductible in Patriot GoTravel visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot GoTravel insurance has deductible options from $0 up to $2,500.
  • What is a provider network of Patriot GoTravel Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Patriot GoTravel visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot GoTravel have no coinsurance. coverage outside USA.
    For coverage inside USA:
    Patriot GoTravel pays
    IN PPO NETWORK
    The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    OUT OF PPO NETWORK
    The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Renewability of Patriot GoTravel Travel health insurance
    Patriot GoTravel Insurance can be renewed from 10 days to 2 years.
  • Eligibility to buy Patriot GoTravel Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot GoTravel has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Patriot GoTravel Pre-existing conditions Visitors Insurance for international travelers
    Patriot GoTravel insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
  • Patriot GoTravel Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

Unique Benefits

  • Plan is renewable (unless there is a break in coverage) for a total of up to 2 years. Any one policy period may not exceed 12 months.
  • Visitors to the US above 65, your initial period of coverage must begin within 30 days of arrival in the US. This requirement will be waived with proof of previous valid insurance.
  • An insured person may return to his/her home country for incidental visits up to a cumulative two weeks total and retain continuing coverage during such visits.
  • Optional Pre-existing condition rider, up to 69 years $5,000 per period of coverage benefits and for above 70 is $2,500 per period of coverage.
  • Claims must be presented to IMG for payment within ninety days from the date the claim was incurred.
  • Intensive Care, Surgical Treatment, Physician visits and Private duty nurse expenses are covered with terms and conditions.
  • Available deductibles are $0, $50, $100 and Ages 80 & Over: $50, $100. Deductible is applicable per period of coverage.
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Patriot GoTravel blog
Patriot GoTravel Blog

Travel health insurance protects one in the event of unexpected illness or injury while traveling outside the country. It is a great opportunity to travel internationally but at the same time to make our travel and stay in an outside country an enjoyable and memorable experience purchasing travel health insurance is very essential.

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