Why travelers trust Patriot America
Medical and emergency medical evacuation for people traveling outside of their home country whose destination includes the United States or its Territories from five days up to two years. Coverage range from $50,000 up to $1 million. Deductible options from $0 to $2,500. First Health PPO network provides access to 500,000 physicians and 4,700 hospitals in the United States.
Patriot AmericaSM provides coverage for people traveling outside of their home country whose destination includes the United States or its territories. Patriot AmericaSM Highlights:
- Short-term travel medical coverage
- Meets Schengen Visa Insurance Requirements
- Coverage for individuals and dependents
- Maximum Limits from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Available in daily and monthly rates
- Renewable up to 24 months if one month or more are purchased
- Freedom to seek treatment with hospital or doctor of your choice
- Universal Rx pharmacy discount savings
- 24-hour secure access from anywhere in the world to manage your account at any time
This plan is designed for:
- Relatives visiting from overseas
- Recently arrived immigrants
- International vacationers
- College students studying abroad
- Families sponsoring exchange students
- Individual or group missionaries
- Foreign au pairs and nannies
- Senior citizens age 65+ traveling abroad
- Schengen / Travel Visa approved
Print out the visa confirmation letter immediately after purchase
Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You can also choose from a wide range of deductibles, several Maximum Limits, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.
Patriot America plan benefits
All amounts shown are in U.S. dollars.
| PLAN INFORMATION | |
| Maximum Limits | $50,000, $100,000, $500,000, $1,000,000 |
| Individual Deductible Options | $0, $100, $250, $500, $1,000, $2,500 |
| Coinsurance for treatment received outside the U.S. | Company pays 100% |
| Coinsurance for treatment received in the U.S. | In the PPO network: Company pays 100% Out of the PPO network: Company pays 80% of eligible expenses up to $5,000, then 100% |
| Incidental Trips to Home Country | 14 consecutive days maximum limit Insured person’s country of residence is not the U.S. |
| Incidental Emergency Coverage in the U.S. (Patriot International only) |
14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country |
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Physician Visits/Services | Up to the maximum limit |
| Radiology/X-ray | Up to the maximum limit |
| Prescriptions (Dispensing limit per prescription: 90 days) |
Up to the maximum limit |
| Home Nursing Care (Upon direct transfer from an acute care facility) |
Up to the maximum limit |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) |
Up to the maximum limit. Subject to deductible and coinsurance |
| Durable Medical Equipment | Up to the maximum limit |
| Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
| Emergency Medical Evacuation (Must be approved in advance and coordinated by the company) |
$1,000,000 |
| Emergency Reunion (Must be approved in advance by the company) |
$100,000 maximum limit. Not subject to deductible |
| Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company) |
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 |
| Return of Minor Children (Must be approved in advance by the company) |
$100,000 maximum limit. Not subject to deductible |
| Political Evacuation & Repatriation (Must be approved in advance by the company) |
$100,000 maximum limit. Not subject to deductible |
|
Natural Disaster Evacuation (Must be approved in advance by the company) |
$25,000 maximum limit. Not subject to deductible. |
| Terrorism | $50,000 maximum limit. Not subject to deductible |
| Acute Onset of Pre-Existing Conditions (Insured person must be under 70 years of age) (Patriot International only) |
United States citizens: Age 64 and under without a primary health plan:
Age 69 and under:
|
| 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 |
| Physical Therapy (Medical order or treatment plan required) |
Up to the maximum limit |
| Hospital Emergency Room (Outside the U.S.) |
Up to the maximum limit |
| Hospital Emergency Room (Inside the U.S.) |
Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible. |
| Identity Theft | $500 maximum limit. Not subject to deductible |
| Trip Interruption | $10,000 maximum limit. Not subject to deductible |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
| Eligible Medical Expenses | 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 |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | 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 |
| Chiropractic Care Medical order or treatment plan required |
Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility |
Up to the maximum limit |
| Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission |
Company pays 100% |
| Traumatic Dental Injury Treatment at a hospital due to an accident |
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 Loss or damage to prescription corrective lenses due to an accident |
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
| Personal Liability Secondary to any other insurance |
$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. |
| Pet Return For a pet cat or dog traveling with the insured person |
$1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person |
$500 maximum limit. Not subject to deductible. |
| Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
Eligibility information about this plan
Patriot AmericaSM provides coverage for people traveling outside of their home country whose destination includes the United States or its territories.
Not Available to residents of European Union countries
Ages: All Ages
Max Length of Coverage: 12 Months
Patriot America Plan Documents
IMG Patriot America Certificate of Insurance
Patriot Accidental Death and Dismemberment Rider
Patriot Adventure Sports Rider
Need help? Request a quote from a Travel Insurance Center® expert.