Quote & Buy Patriot America Plus Travel Insurance

Why travelers trust Patriot America Plus

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Patriot America Plus plan benefits

Maximum Limits	$50,000 to $1,000,000
Deductible	$0 to $2,500
Extensions	Up to 24 continuous months
Emergency Medical Evacuation	$1,000,000
Coinsurance ( In-Network )	IMG pays 100%
Coinsurance ( Out-of-Network )	IMG pays 80% up to $5,000, then 100%
Acute Onset of Pre-Existing Conditions (Under 70 years of age)	Up to the maximum limit. $25,000 maximum limit for medical evacuation
Remote Transportation	No coverage
Supplemental Accident	No coverage
COVID-19 Coverage	Up to policy maximum if contracted and treatment is provided after the policy effective date
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 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 (Benefit included if death is due to COVID-19)
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
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.

Conditions of Coverage

1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
2. Coverage under this plan is secondary to any other coverage
3. Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
4. Charges must be administered or ordered by a physician
5. Charges must be incurred during the period of coverage or benefit period
6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred

 

Renewal of Coverage

If your plan is purchased for a minimum of five days, coverage may be renewed (unless there is a break in coverage) for a total of up to two years. Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12 month coverage period. Please note: Renewal rates may differ from initial rates.

• Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the Patient Protection and Affordable Care Act (PPACA)

Eligibility information about this plan

The following conditions apply to all persons applying for and/or enrolling in this plan:

• This is travel medical insurance for non-U.S. residents traveling to the United States
• For those 65 years of age and older and visiting the U.S., your initial period of coverage must begin within 30 days of arrival in the U.S. This requirement will be waived with proof of previous valid international travel insurance. Prior U.S. domestic healthcare coverage does not meet this eligibility requirement. Please provide the name of your insurance carrier on the application form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your application form