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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 — Standard Patriot — Platinum
Policy Maximum $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
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
Coinsurance
— Outside the USA
100% of eligible expenses, after the deductible is met, up to the policy maximum
Benefit Period Patriot America — No Coverage
Patriot International — Three Months
Patriot America Platinum — No Coverage
Patriot International Platinum — Six Months
Pre-Certification Fifty percent (50%) reduction of eligible medical expenses if pre-certification provisions are not met.
Pre-Existing Condition
Acute Onset
Medical Coverage applies only if policy excludes the US (Patriot International):
  • US citizens up to age 64 with primary health plan: Up to the maximum limit
  • US citizens up to age 64 without primary health plan: $20,000 maximum limit
  • US citizens ages 65-69: $2,500 maximum limit
  • Non-US citizens up to age 69: Up to the maximum limit or $1,000,000 — whichever is lower
  • US citizens up to age 64 with primary health plan: $1,000,000 maximum limit
  • US citizens up to age 64 without primary health plan: $20,000 maximum limit
  • US citizens ages 65-69: $2,500 maximum limit
  • Non-US citizens up to age 69: $1,000,000 maximum limit
Pre-existing Condition — Emergency Medical Evacuation
Acute Onset
Medical Coverage applies only if policy excludes the US (Patriot International):
  • Up to age 69: $25,000 maximum limit
  • Ages 70 or older: No coverage
  • Up to age 69: $25,000 maximum limit
  • Ages 70 or older: No coverage
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 co-pay: $25 
    Not subject to deductible.
  • Walk-in Clinic co-pay: $15 
    Not subject to deductible.
Co-payment waived if $0 deductible elected
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.
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 Up to a $1,500 maximum limit when hospitalized in an Intensive Care Unit
Not subject to deductible.
Surgery Up to the maximum limit
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
Interfacility Ambulance Transfer Up to the maximum limit
Transfer must be a result of Inpatient Hospital admission
Natural Disaster Evacuation Up to a $25,000 lifetime maximum
Political Evacuation & Repatriation Up to a $100,000 lifetime maximum
Return of Minor Children Up to $100,000 maximum limit
Remote Transport No Coverage Up to $20,000 maximum limit / $5,000 limit per occurrence
Return of Mortal Remains Up to the maximum limit
Local Burial / Cremation Up to a $5,000 maximum limit
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
Common Carrier Accidental Death Up to the maximum limit
Maximum per Adult: $100,000
Maximum per Child: $25,000
Maximum per Family: $250,000
Dental Treatment Up to $300 maximum
Unexpected pain or treatment due to an accident
Subject to deductible and coinsurance
Traumatic Dental Injury Up to the maximum limit
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 Up to a $250 limit per day./ 5 day maximum
Non-emergency Medical Evacuation No Coverage Up to $50,000 maximum limit
Ages 64 and under
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
Pet Return Up to $1,000 limit
For a pet cat or dog traveling with the insured person
Small Pet Common Carrier Accidental Death Up to $500 limit
For a pet cat or dog up to 30 pounds travelling with the insured person
Terrorism Up to $50,000 maximum limit
Trip Interruption Up to $10,000 maximum limit
Supplemental Accident Benefit No Coverage Up to $300 maximum per covered accident
Incidental Services
Patriot International Standard and Premium Only
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
Combined Maximum Limit: $50,000
Emergency Treatment While Traveling Through the United States Up to the maximum limit
Emergency Medical Evacuation to the United States and Associated Treatment Up to the maximum limit
Emergency Treatment During Incidental Trip to Country of Residence Up to maximum limit
14 day maximum

Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan certificate for the Patriot Standard America, Patriot Standard International, Patriot Platinum America, and Patriot Platinum International 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.