Patriot America Insurance or Patriot America is designed for USA visitors and the international traveler. Patriot America Insurance provides coverage for non-US citizens traveling outside their country of citizenship for a minimum of 5 days up to a maximum of one year. Patriot America Insurance is ideal visitor health insurance for parents visiting usa and tourists to the United States. Patriot America Insurance can be renewed up to 12 months. Patriot America Insurance is ideal visitor medical insurance for parents or relatives visiting usa and tourists to the United States.
Patriot Series Insurance plan selection guidelines are as follows:
Patriot America Insurance is for Non-US citizens traveling outside their home country.
Patriot International Insurance is for US citizens travelling abroad.
Pre-Existing Condition: In Patriot America Insurance, Pre-existing condition is not covered, look back period for pre-existing conditions is 3 years prior to start of plan.
Maximum medical coverage options are $50,000, $100,000, $500,000, $1,000,000 or $2,000,000 for injury or sickness occured during plan duration.
Deductible
Choice of deductibles of $0, $100, $250, $500, $1000 or $2500 per policy period, $250 is the standard deductible.
Co-insurance
For treatment received within the US and Canada: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the policy maximum.
For treatment received outside the US and Canada: No coinsurance required.
Plan Duration
From minimum of 5 days to a maximum of 24 months. Minimum 3 month initial purchase is required for future plan renewal eligibility upto 24 months.
Eligibility
- Non US citizens visiting the United States (Patriot America)
- USA citizens traveling outside the US (Patriot International)
- International travellers requiring continuing coverage
- For visitors over 65, initial period of coverage must be within 30 days of arrival in the United States, unless proof of previous valid international coverage is provided
- Age: 14 days to 80+ years
Coverage Benefits
- Home country coverage
- Trip interruption
- Lost luggage
- Terrorism
- Accidental death & dismemberment
- Common carrier accidental death
Provider PPO Network
Patriot America Insurance preferred provider PPO network is First Health Network.
Plan Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group company (rated A [Excellent] by A.M. Best Company).
Renew patriot America Insurance Online Renewal (without break in coverage) for a total of up to 24 months is available when plan is purchased for at least 3 months initially.
Plan Features
Patriot America Insurance covers for non-U.S. citizens traveling outside their home country for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed for a total of up to 2 years.
Patriot America Insurance coverage can start as early as next day. You do not need medical records or a physical exam to sign up.
Patriot America Insurance Coverage is available - Extreme Sports Rider is up to 12 months of coverage for those under the age of 50. This rider provides upto US$50,000 lifetime activities such as Bungee jumping, canyoning, flying, hang gliding,rappelling, rock climbing, skydiving, spelunking and whitewater rafting.
Plan Notes
Hospital Expense Coverage Limit: Up to policy maximum
Intensive Care Expense Coverage Limit: Up to policy Maximum
Outpatient Doctor Office Coverage Limit: Up to policy Maximum
Pre-existing condition coverage Limit: Not covered. A Pre-Existing Condition is defined by the policy as, "any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance."
Patriot America Insurance Plan Information
Patriot America Insurance Administrator
Patriot America Visitor Travel Medical Insurance is administered by International Medical Group (IMGlobal).
Patriot America Insurance is rated A (Excellent) by A.M. Best Company.
Patriot America Insurance Features
Immediate coverage upto US$2 million, Patriot America for 5 days to 24 months. (Renew after 3 months continous coverage)
Group coverage is also available with Patriot Group Travel Insurance , for groups of 5 or more.
Patriot America Insurance Special Features
- Choices of deductible
- Trip interruption and lost luggage protection
- Hazardous sports and activities coverage option
- Terrorism coverage option
- Waiver of coinsurance outside the US and Canada
- Home country coverage option -- "Patriot Return Rider"
Patriot America Insurance Guide gives you some background information on how medical insurance works. Patriot America Insurance Guide section also provides information on the different factors you should consider while purchasing insurance.
Patriot America Insurance Blog
Patriot America Insurance Blog is a facility for our customers to review insurance related issues.
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