Patriot America Plus Group

IMG

Short-term travel medical insurance for non-U.S. citizens

Addresses the insurance needs of non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
Highlights:
 – Short-term travel medical coverage
– Coverage for individuals, groups, and their dependents
– Maximum Limits from $50,000 to $500,000
– Deductible options from $0 to $2,500
– Available in daily and monthly rates
– Renewable up to 24 months if one month or more are purchased
– Freedom to seek treatment with hospital or doctor of your choice
– Trip cancellation, travel delay and baggage delay benefits available
– Universal Rx pharmacy discount savings
– 24 hour secure access from anywhere in the world to manage your account at any time
 Who the plan is designed for:
– Graduating seniors trips
– College students studying abroad
– Families sponsoring exchange students
– International vacationers
– Relatives visiting from overseas
– Recently arrived immigrants
Must read the Policy document for benefit details and terms & conditions.
General

Coinsurance
In the PPO Network - The plan pays 90% of eligible medical expenses up to $5,000, then 100% Out of the PPO Network -The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Medical Benefits

Hospital Room and Board
Average semi-private room rate up to the maximum limit. Includes nursing service. (Subject to coinsurance & deductible)
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Diagnostic Procedures
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
$50,000 to beneficiary; maximum of $250,000 per family
Maternity
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses.Usual, Reasonable, and Customary
Routine physical examination
No Coverage
Physical Therapy
No Coverage
Ambulance
Maximum of $250
Emergency Room
Up to maximum limit (Subject to coinsurance & deductible)
Hospital Indemnity
Dental Benefits

Unexpected pain to sound natural teeth
$100 Maximum
Accident related Emergency
Up to maximum limit (Subject to coinsurance & deductible)
Life Insurance

Accidental Death & Dismemberment
Up to maximum limit (Subject to coinsurance & deductible)
Common Carrier Accidental Death
$25,000 principal sum. Not subject to deductible.
Other Travel Benefits

Emergency Medical Evacuation
$500,000 maximum limit. Not subject to deductible.
Return of Mortal Remains or Cremation/Burial
Up to $50,000 for return of mortal remains or $5,000 for cremation/burial. Not subject to deductible.
Emergency Reunion
Up to $50,000 Lifetime Maximum
Return of Minor Children
$50,000 lifetime maximum
Trip Interruption
Up to $5,000
Loss Luggage
Up to $50 per item
Terrorism
Coverage Information
Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.