International Medical Group

Patriot International Insurance

  • Best Suitable for: US citizens traveling abroad
  • Eligibility:
    • People travelling outside the US with coverage for brief return to the US
  • Coverage: 5 days to 364 days and later can be renewed maximum up to 2 years
  • Patriot International offers pre-existing conditions coverage
Related links
  • Brochure
  • Claims
  • What's good?
  • Renewal
  • PPO
  • Why Comprehensive

Plan Highlights

POLICY MAXIMUM

Maximum medical coverage options are:
$50,000, $100,000, $500,000, $1,000,000, $2,000,000


DEDUCTIBLE

Individual deductible options are:
$0, $100, $250, $500, $1000 or $2500
per each injury or sickness

COINSURANCE

For treatment received outside the US: No coinsurance.
For treatment received within the US:
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Schegen Visa Letter

Patriot International satisfies schengen visa requirements

  • The coverage of atleast €30,000 is mandated for the Schengen Visa and Patriot International satisfies this requirement by offering the following medical maximums: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
  • The coverage for repatriation is a must under the travel insurance for Schenge Visa and the plan covers repatriation of remains up to $50,000
  • Schengen Visa requires that the insurance plan must offer a coverage for Emergency Medical Evacuation and the insured under this -plan get coverage for emergency medical evacuation up to $500,000 lifetime maximum (independent of the maximum limit)
  • Schengen Visa requires that the insurance provider must have a representive office in the schengen countries and International Medical Group has a representative bureau in the schengen countries
  • After purchasing Schengen Visa travel Schengen Visa Letter as required by the Schengen Consulates
 

Pre-Existing Conditions

Acute Onset of Pre-Existing Conditions?:
For U.S. citizens(Medical)
  • Up to age 65 with primary health plan: Up to maximum limit.
  • Up to age 65 witout primary health plan: $20,000 certificate period.
  • Age 65 to age 70: $2,500 certificate period.
For NON U.S. citizens(Medical)
  • Up to 70 years: up to maximum limit or $500,000 whichever is less
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
  • Up to $25,000 for up to age 65 years
 

Coverage

Emergency Medical Evacuation

Up to $1,000,000 maximum limit

Hospital Room and Board

Up to the Maximum Limit for average semi-private room rate

teeth
Dental Treatment(Accident or Sudden Relief of Pain)

$300 maximum limit

Return of Mortal Remains

Up to $50,000; or $5,000 for Cremation/Burial

Common Carrier Accidental Death

$50,000 to Beneficiary, max of $250,000 per family

Incidental Emergency Coverage in the U.S

Up to 14 consecutive days

Trip Interruption

Up to $5,000 maximum limit

Optional Riders

Adventure Sports Rider (available to insureds up to age 65)
  • For Age(0-49): $50,000 Lifetime Maximum
  • For Age(50-59): $30,000 Lifetime Maximum
  • For Age(60-64): $15,000 Lifetime Maximum
Enhanced AD&D Rider (available to the primary insured only)
  • Available for the primary insured person only
  • This coverage is in addition to the Accidental Death and Dismemberment already included in the plans
  • This rider is available with a minimum purchase of three months of medical and AD&D rider coverage
Chaperone Replacement Rider
  • Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000
Evacuation Plus Rider (available to insureds up to age 65)
  • Non Life-threatening Medical Evacuation - Up to a maximum of $25,000
  • Natural Disaster Evacuation - Up to a maximum of $5,000
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Patriot International Insurance

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