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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.

Worldwide, including the USA Worldwide, excluding the USA
America Plus America Platinum International International Platinum
Maximum Limit $50K to $1M $2M to $8M $50K to $1M $2M to $8M
Deductible $0 to $2,500 $0 to $25,000 $0 to $2,500 $0 to $25,000
Coinsurance (in-network) 100% 100% 100% 100%
Coinsurance (out-network) 80% up to $5K 90% up to $5K 100% 100%
Extensions Up to 24 months Up to 36 months Up to 24 months Up to 36 months
Acute Onset
of Pre-Existing Conditions
Up to Max Limit Up to $1M No Coverage Up to $1M

Please view the summary table below for an outline of the plan benefits and optional riders.

Benefits Coverage
Eligible Medical Expenses Up to the maximum limit
Provider Network PPO Network
U.S. Coverage — UnitedHealthcare Network
International Coverage — International Provider Access
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
Inside the US
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 inpatient hospital admission. Up to the maximum limit.
Hospital Emergency Room
Outside the US
Up to the maximum limit
Hospital Room & Board Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive Care Up to the maximum limit
Bedside Visit
Hospitalized in an intensive care unit
$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical/Hospital Facility Up to the maximum limit
Laboratory 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
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
Upon direct transfer from an acute care facility
COVID-19 / SARS-CoV-2 COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance
Prescriptions Up to the maximum limit, may not exceed $250,000
Dispensing limit per prescription: 90 days
Emergency Services
Emergency Local Ambulance Up to the maximum limit
Subject to deductible and coinsurance
Injury or illness resulting in an inpatient hospital admission
Emergency Reunion $100,000 maximum limit. Not subject to the deductible.
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 maximum limit. Not subject to the deductible.
Must be approved in advance by the company.
Political Evacuation & Repatriation $100,000 maximum limit. 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.
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
Accidental Death & Dismemberment (AD&D) $50,000 Principal Sum. Not subject to deductible.
Death must occur within 90 days of the accident
Common Carrier Accidental Death $25,000 per injured child, $100,000 per insured adult, $250,000 maximum limit per family. 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

$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.

Loss or damage to prescription corrective lenses due to an accident
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft $500 maximum limit. Not subject to deductible.
Lost Luggage $50 per item, $500 maximum limit. Not subject to deductible.
Natural Disaster $250 per day and maximum limit of 5 days for accommodations. Not subject to deductible.
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. Secondary to any other insurance.
Pet Return $1,000 maximum limit. Not subject to deductible.
For a pet cat or dog traveling with the insured person
Small Pet Common Air Carrier Accidental Death $500 maximum limit. Not subject to deductible.
For a pet cat or dog up to 30 pounds travelling with the insured person.
Terrorism $50,000 maximum limit. Not subject to deductible.
Trip Interruption $10,000 maximum limit. Not subject to deductible.

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.
You can view more about the pricing for these optional riders. Please contact us for more information about these optional plan riders.