Patriot Group Travel

From International Medical Group

Available for up to 2 years of coverage, Patriot Group Travel Medical Insurance is a comprehensive group travel medical plan that provides up to $2,000,000 in coverage for any new illness & injury that might occur while traveling.

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Patriot Travel Insurance Benefit Schedule

Benefit

Description

Maximum Limits
$50,000, $100,000, $500,000, $1,000,000, $2,000,000
Deductible
Your choice of $0, $100, $250, $500, $1,000 or $2,500
Coinsurance
As described below
For treatment received outside the US & Canada:
No coinsurance
For treatment received within the US & Canada: In the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
For treatment received within the US & Canada: Out of PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
Medical Benefits

Usual reasonable and customary charges, subject to deductible and coinsurance

Hospital Room and Board
Up to Maximum Limit for average semi-private room rate
Intensive Care
Up to Maximum Limit
Medical Expenses
Up to Maximum Limit
Outpatient Medical
Up to Maximum Limit
Local Ambulance
Up to Maximum Limit
Prescription Drugs
Up to Maximum Limit
Emergency Room Accident
Up to Maximum Limit
Emergency Illness with in-patient admission
Up to Maximum Limit
Emergency Illness without in-patient admission
Up to Maximum Limit with an additional $250 deductible
Dental (Injury due to accident)
Up to Maximum Limit
Dental (Sudden dental pain)
Up to $100
Hospital Indemnity
Up to $100 per night up to a maximum of 10 days
International Emergency Care
Emergency Medical Evacuation
Up to $500,000 independent of Maximum Limit
Emergency Reunion
Up to $50,000
Return of Mortal Remains or Cremation / Burial
Up to $50,000 for Return of Mortal Remains or $5,000 for Cremation / Burial
Returning Minor Children
Up to $50,000
Political Evacuation
Up to $10,000
Natural Disaster
$100 per day for five days
Identity Theft Assistance
Up to $500 per Period of Coverage
Additional Benefits
Terrorism Coverage
Up to $50,000 lifetime maximum
Sports & Activities Coverage
Up to Maximum Limit for basic sports
Incidental Home Country Coverage
One month for every five months of travel coverage purchased, up to a maximum of two months
End of Trip Home Country Coverage
Up to a cumulative two weeks
Trip Interruption
To $5,000
Common Carrier Accidental Death
$50,000 to Beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment
$25,000 principal sum
Lost Luggage
Up to $50 per item or personal property; maximum of $250 per Period of Coverage
Indemnity
Up to $100 per night
Sudden & Unexpected Recurrence of a Pre-existing Condition
For US citizens only
  • Up to age 65 with a Primary Health plan - URC up to certificate maximum
  • Up to age 65 without a Primary Health plan - $20,000 lifetime maximum
  • Age 65 + with or without a Primary Health plan - $2,500 lifetime maximum
Sudden & Unexpected Recurrence of a Pre-existing Condition
For non-US citizens only
  • Up to age 65 - $50,000 lifetime maximum for eligible medical expenses
  • Age 65 and older - $2,500 lifetime maximum
Sudden Recurrence of a Pre-existing Condition
Emergency Medical Evacuation
Up to $25,000 of eligible costs and expenses
Incidental Home Country Coverage
Up to a cumulative two weeks
End of Trip Home Country Coverage
One month for every six months of travel coverage purchased, up to a maximum of two months
Benefit Period
Six months
Optional Riders
Adventure Sports Rider
(Available to insureds up to age 65)
  • Age 0-49: $50,000 Lifetime Maximum
  • Age 50-59: $30,000 Lifetime Maximum
  • Age 60-64: $15,000 Lifetime Maximum
Enhanced AD&D Rider
(Available on the individual plan only. Available to the primary insured only)
Up to an additional $400,000
Citizenship Return Rider
  • 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
Chaperone / Faculty Leader Replacement Rider
(Available on the group plan only)
Up to $3,000 for round trip economy airline ticket
Incidental Home Country Coverage
Up to a cumulative two weeks

Sports and Activities Coverage

The Patriot International plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition.

The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.

Optional Leisure Sports Rider:

The Leisure Sports Rider is available on the Patriot International plan and adds coverage for jet skiing, scuba diving, snow skiing, snowboarding, snowmobiling, snorkeling, surfing, wakeboarding, water skiing and windsurfing.

Extreme Sports Rider:

The Extreme Sports Rider is available on the Patriot International plan, and adds up to 12 months of coverage for those under the age of 49. This rider provides up to $50,000 lifetime maximum for the following activities: abseiling, BMX, bungee jumping, canyoning, caving, flying (private plane), hang gliding, heli-skiing, high diving, hot air ballooning, kayaking, inline skating, mountain biking, mountaineering (ropes and guides to 4500m from ground level), paragliding, parascending, rappelling, rock climbing (ropes and guides to 4500m from ground level), skydiving, spelunking, whitewater rafting (to Class V). These extreme activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Citizenship Return Rider:

When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected.

Enhanced AD&D Rider:

This optional coverage is 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.

Evacuation Plus Rider:

This optional rider is available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Chaperone/Faculty Leader 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 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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