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Patriot Travel

International Travel Medical Insurance

The Patriot Travel Insurance plan provides a range of benefits to suit all travelers and their needs. This plan offers policy maximum options that start at $50,000 and move up to $2,000,000 on the Standard Level, and options that start at $1,000,000 and move up to $8,000,000 on the Platinum level and include flexible deductible options to suit any need. Please view the summary table below for an outline of the plan benefits and optional riders.

Benefits Patriot America — Plus Patriot America — Platinum
Policy Maximum Options $50,000, $100,000, $500,000, or $1,000,000
Ages 70 to 79: $50,000
Ages 80+: $10,000
$2,000,000, $5,000,000, or $8,000,000
Ages 70 to 79: $100,000
Ages 80+: $20,000
Deductible Options
Paid once per certificate period
$0, $100, $250, $500, $1,000 or $2,500 $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000
Renewal of Coverage Coverage can be purchased for a minimum of 5 days up to 365 days at one time, and renewed for up to 2 years in total Coverage can be purchased for a minimum of 5 days up to 365 days at one time, and renewed for up to 3 years in total
Provider Network PPO Network
U.S. Coverage — UnitedHealthcare Network
International Coverage — International Provider Access
Coinsurance
— Inside the USA
In Network — 100% of eligible expenses, after the deductible is met, up to the policy maximum 
Out of Network — 80% of eligible expenses up to $5,000, then 100% up to the policy maximum, after the deductible is met
In Network — 100% of eligible expenses, after the deductible is met, up to the policy maximum 
Out of Network — 90% of eligible expenses up to $5,000, then 100% up to the policy maximum, after the deductible is met
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met.
Acute onset of Pre-existing conditions Must be under 70 years of age Up to the maximum limit. $25,000 maximum limit for medical evacuation Maximum limit: $1,000,000. $25,000 maximum limit for medical evacuation
Inpatient and Outpatient Services
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expense are limited to Usual, Reasonable, and Customary
All charges are subject to the Maximum Limit per period of coverage
Eligible Medical Expenses Up to the maximum limit
Physician Visits / Services

Up to the maximum limit

Urgent Care Clinic $25 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
Hospital Emergency Room

Up to the maximum limit

  • Injury: Not subject to Emergency Room Deductible
  • Illness: Subject to a $250 Deductible for each ER visit for treatment that does not result in direct hospital admission
ER deductible applies only for treatment in the United States.
COVID-19 Coverage Up to the maximum limit (Contraction and Treatment must occur after effective date)
Hospital Room & Board Up to the maximum limit
Average semi-private room rate, including nursing services
Intensive Care Up to the maximum limit
Bedside Visit $1,500 maximum limit when hospitalized in an Intensive Care Unit Not subject to deductible.
Outpatient Surgical/Hospital Facility Up to the maximum limit
Radiology/ X-ray Up to the maximum limit
Chemotherapy/Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Surgery Up to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Laboratory Up to the maximum limit
Anesthesia Up to the maximum limit
Durable Medical Equipment Up to the maximum limit
Chiropractic Care / Physical Therapy Up to the maximum limit
Medical order or treatment plan required
Extended Care Facility Up to the maximum limit
Upon direct transfer from an acute care facility
Home Nursing Care Up to the maximum limit
Provided by a Home Health Care Agency
Upon direct transfer from an acute care facility
Prescriptions Up to the maximum limit
Dispensing limit per prescription — 90 days
Emergency Services
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expense are limited to Usual, Reasonable, and Customary
All charges are subject to the Maximum Limit per period of coverage
Emergency Local Ambulance Up to the maximum limit
Subject to deductible and coinsurance
Coverage for Illness resulting in Inpatient Hospital Admission or Injury
Emergency Evacuation Up to $1,000,000 lifetime maximum. Up to the maximum limit.
Emergency Reunion Up to $100,000 maximum limit.
Not subject to deductible.
Maximum 15 days for reasonable and necessary travel costs and accommodations / $25 meal maximum per day
Must be approved in advance by the company.
Interfacility Ambulance Transfer Company pays 100%
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Natural Disaster Evacuation $25,000 lifetime maximum. Not subject to the deductible.
Must be approved in advance by the company.
Political Evacuation & Repatriation $100,000 maximum maximum. Not subject to the deductible.
Must be approved in advance by the company.
Return of Minor Children $100,000 maximum limit. Not subject to the deductible.
Must be approved in advance by the company.
Remote Transport No Coverage $5,000 per period, $20,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial Up 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. Must be approved in advance by the company.
Other Services
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expense are limited to Usual, Reasonable, and Customary
All charges are subject to the Maximum Limit per period of coverage
Accidental Death & Dismemberment $50,000 Principal Sum. Not subject to deductible.
Common Carrier Accidental Death Up to the maximum limit
Maximum per Adult: $100,000
Maximum per Child: $25,000
Maximum per Family: $250,000
Not subject to deductible.
Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination Up to $150 maximum limit for loss or damage to prescription corrective lenses due to an accident
Subject to coinsurance
$50 deductible per occurrence — plan deductible waived
Hospital Indemnity
Coverage outside of the United States
$250 per overnight inpatient confinement for up to 10 days.
Identity Theft Up to $500 limit
Incidental Trips Up to fourteen consecutive days maximum limit.
Only applies if your Country of Residence is not the United States.
Lost Luggage Up to $500 limit / $50 limit per item
Natural Disaster $250 per day and maximum limit of 5 days for accommodations.
Non-emergency Medical Evacuation No Coverage Up to $50,000 maximum limit
Ages 64 and under
Must be approved in advance by the company.
Personal Liability

Combined Maximum Limit: $25,000

  • Injury to third person — per injury deductible: $100
  • Damage to third person’s property — per damage deductible: $100

No coverage for injury to a related third party or damage to related third person’s property. Secondary to any other insurance.

Pet Return Up to $1,000 limit
For a pet cat or dog traveling with the insured person
Small Pet Common Air Carrier Accidental Death $500 maximum limitt
For a pet cat or dog up to 30 pounds travelling with the insured person
Terrorism $50,000 maximum limit
Trip Interruption $10,000 maximum limit.
Supplemental Accident No Coverage $300 per covered accident

Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan certificate for the Patriot America Plus and Patriot Platinum America for the full benefits and limitations of the plan. Limits apply to all benefits.

Optional plan riders are also available to add additional coverage to your plan:

  • Adventure Sports: If you’re 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 travel insurance policy.
  • Lifetime Maximum
    Age 0-49: $50,000
    Age: 50-59: $30,000
    Age: 60-64: $15,000
  • Evacuation Plus: While Patriot provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage up to $25,000 for medical evacuations if you experience a sudden, non-life-threatening medical condition that requires hospitalization. IMG will arrange and cover ground and air transportation to the nearest hospital capable of providing treatment.

    Note: Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in whole- month increments. This benefit is included with the purchase of Platinum plans.
  • Enhanced Accidental Death & Dismemberment Rider (AD&D): The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

    Note: Available to the primary insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.
You can view more about the pricing for these optional riders here. Please contact us for more information about these optional plan riders.