Patriot America Plus Plan Details

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Plan Administrator
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Plan Validity
Up to 24 months

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Deductibles
$0, $100, $250, $500, $1,000 or $2,500

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Maximum Coverage
50,000, $100,000, $500,000Per Period of Coverage

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Acute onset
Yes

Why we need Visitors Medical Insurance

Accidents and emergencies happen and when they do, you wouldn't want to be hundreds or thousands of miles away from home without the proper coverage. Most people assume they will be covered by their standard health insurance when they travel internationally, but that isn't always the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Don't let your medical coverage be an uncertainty. Having visitor's insurance so you can spend more time enjoying your international experience and less time worrying about your medical coverage.

Who is eligible?

Patriot America Plus provides coverage for non-U.S. residents traveling to the United States. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides awide range of plan maximum limits and deductible options. The plan is available for trips of five days up to two years.

Coinsurance

  • Treatment Within the U.S: plan pays 100%
  • Treatment Within the U.S: In the PPO Network - plan pays 100%
  • Out of the PPO Network - plan pays 80% of eligible expenses up to $5,000, then 100%

Acute Onset of a Pre-existing Condition

  • Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses
  • Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation$25,000 maximum limit

Common Carrier Accidental Death

$50,000 per insured person and $250,000 Maximum limit per lifetime and per Family. Not subject to deductible.

Accidental Death & Dismemberment

$25,000 principal sum. Not subject to deductible.

Benefits Coverage
INPATIENCE/OUTPATIENCE
Hospital Room and Board Average semi-private room rate up to the maximum limit
Intensive Care Unit Up to the maximum limit
Eligible Medical Expenses Up to the maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses Up to period of coverage maximum limit
Local Ambulance Up to the maximum limit
Prescription Medication Up to the maximum limit
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the period of coverage maximum limit. Subject to deductible and coinsurance. Additional treatment for the same injury rendered by a dental provider will be paid at 100%.
Emergency Dental Treatment
Due to dental accident or unexpected pain to sound natural teeth
$300 maximum limit
Hospital Daily Indemnity $100 per overnight. Up to a maximum limit of 10 overnights
Terrorism $50,000 maximum limit
Urgent Care $25 co-pay. Co-pay is not applicable when the $0 deductible is selected.
Not subject to deductible
Walk-in Clinic $15 co-pay. Co-pay is not applicable when the $0 deductible is selected.
Not subject to deductible
Evacuation Benefits Coverage
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company
$1,000,000 maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation $25,000 maximum limit
Emergency Reunion
Must be approved in advance and coordinated by the company
$50,000 maximum limit
Return of Mortal Remains or
Cremation/Burial
Must be approved in advance and coordinated by the company
$50,000 maximum limit for Return of Mortal Remains or
$5,000 maximum limit for Cremation/Burial
Return of Minor Children
Must be approved in advance and coordinated by the company
$50,000 maximum limit
Political Evacuation
Must be approved in advance and coordinated by the company
$10,000 maximum limit
Additional Benefits Coverage
Incidental Trips to Home Country
Insured person's country of residence is not the U.S.
Up to a cumulative two weeks
Trip Interruption $5,000 maximum limit
Common Carrier Accidental Death $50,000 to beneficiary; maximum limit of $250,000 per lifetime per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage $50 per item; maximum limit of $250
Natural Disaster $250 per day for five days maximum
Identity Theft $500 maximum limit