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Patriot Group Travel Medical Insurance

Patriot Group Travel Medical Insurance is designed for organizations who have a group of five or more members that will be traveling together, and are traveling to a destination that is not the home country of any of the traveling members.

Patriot Group Travel Medical Insurance for US and Non-US Citizens Traveling Outside Their Country of Citizenship.

Patriot Group Travel Medical InsuranceSM includes coverage for:

  • Hospital Room and Board — up to US$2 million - Non-US$1 million
  • Medical Expenses 
  • Outpatient Medical Expenses
  • Local Ambulance 
  • Prescription Drugs
  • Emergency Room Accident
  • Emergency Room Illness with In-patient Admission
  • Emergency Room Illness without In-patient Admission
  • Dental - Injury Due to Accident
  • Dental - Sudden Dental Pain
  • Indemnity (U.S. citizens only)

Patriot Group Travel Medical InsuranceSM special features:

  • Citizenship Return Rider 
  • Adventure Sports Rider (up to age 65)
  • Chaperone/Faculty Leader Replacement Rider

Patriot Group Travel Medical Insurance plan benefits

This is only a summary of the benefits provided. Details of the full terms and conditions are included in the full policy wording.

IMG covers usual, reasonable, and customary (URC) charges for eligible expenses in the area where you receive treatment.

Patriot Group Travel Medical Insurance® For U.S. and Non-U.S. Citizens 
Maximum Benefits in US Dollars
Maximum Limit Per Period of
Coverage Options
$50,000 / $100,000 / $500,000 / $1,000,000
Patriot International only $2,000,000
Individual Deductible options $0 / $100 / $250 / $500 / $1,000 / $2,500
Emergency Evacuation To Policy Maximum when coordinated through IMG
Repatriation Expenses $25,000 when coordinated through IMG
Emergency Reunion $15,000, maximum of 15 days
Returning Minor Children $5,000 when coordinated through IMG
Local Ambulance Expense To Policy Maximum
24-Hour AD&D $25,000 principal sum
Common Carrier Accidental Death $50,000 to Beneficiary, maximum of $250,000 per group
Hospital Room and Board Up To Policy Maximum for average semi-private room rate
Intensive Care To Policy Maximum
Medical Expenses To Policy Maximum
Outpatient Medical Expenses To Policy Maximum
Dental Injury

To Policy Maximum for injury due to an accident
$100 for treatment of Sudden Dental Pain

Trip Interruption Up to $5,000
Lost Luggage Up to $50 per bag; maximum of $250

Adventure Sports Rider (optional): Rider provides coverage for recreational jet skiing, scuba diving, snow skiing, snowboarding, snowmobiling, snorkeling, surfing, wake boarding, water skiing, and windsurfing.

End of Trip Home Country Coverage - One month for every five months of travel coverage purchased, up to a maximum of two months.

Citizenship Return Rider (optional): Rider provides full coverage for non-US citizens within their country of citizenship. The Insured must be outside his/her country of citizenship at time of application.

Additional Benefits for US Citizens: 
Sudden Recurrence of a Pre-existing Condition - Up to US$15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

Indemnity - Patriot International will pay directly to the insured person US$100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit.

Deductible (USD) Your choice of $100, $250, $500, $1000 or $2500. Each person will only need to satisfy their deductible once per policy period. 

Coinsurance (USD) 
For treatment received in the US & Canada: The plan pays 80% of the first $5000 of eligible expenses (after the deducible is satisfied) then 100% up to the Policy Maximum. 
For treatment received outside the US & Canada: No coinsurance, the plan pays 100% of eligible expenses up to the Policy Maximum (after the deducible is satisfied).

Benefit Period
If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness.

Eligibility information about this plan

Groups: Five or more traveling abroad
Citizenship: U.S. or non-U.S.
Residency: All nationalities (Not available to residents of European Union countries)
Ages: All ages (reduced benefits for older ages)
Max Length of Coverage: 12 months

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