Patriot America Plus

From International Medical Group

Available for up to 2 years of coverage, Patriot America Plus is a comprehensive travel medical plan that provides up to $500,000 in coverage for any new illness & injury that might occur while traveling.

Quote & Buy Patriot Plus

Patriot America Plus Benefit Schedule

Benefit

Description

Maximum Limits
$50,000, $100,000, $500,000
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
Continuation of Treatment Period
Earlier of 6 months per Injury or Illness or upon return to Home Country
Medical Benefits

Subject to the coinsurance and deductible when applicable and Usual, Reasonable, and Customary (URC)

Hospital Room and Board
URC average semi-private room rate
Intensive Care
URC
Eligible Medical Expenses
URC
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses
URC
Local Ambulance
URC
Prescription Drugs
URC
Emergency Room Accident
URC
Emergency Illness with in-patient admission
URC
Emergency Illness without in-patient admission
URC with an additional $250 deductible
Dental (Injury due to accident)
URC
Dental (Sudden dental pain)
Up to $100
Hospital Indemnity
Up to $100 per night up to a maximum of 10 days
Terrorism
$50,000 lifetime maximum
Recreational Sports & Activities
URC for non-organized, non-contact, and non-collision activities
Evacuation Benefits

Not subject to a deductible or coinsurance

Emergency Medical Evacuation
Up to $500,000 independent of Maximum Limit
Acute Onset of a Pre-existing Condition prior to age 70
Emergency Medical Evacuation
$25,000 lifetime maximum
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
Additional Benefits
Incidental Trips
Up to a cumulative two weeks
End of Trip Home Country Coverage
One month for every five months of travel coverage purchased, up to a maximum of two months
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; maximum of $250
Natural Disaster
$100 per day for five days
Identity Theft
$500 maximum
Optional Riders

Other than the Enhanced AD & D Rider, optional riders can be requested and apply to all eligible individuals listed on the Application

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
  • 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

Sports and Activities Coverage

The Patriot America Plus 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.

Adventure Sports Rider:

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

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:

WThis 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.

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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