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Why travelers trust Patriot America

Patriot America

Medical and emergency medical evacuation for people traveling outside of their home country whose destination includes the United States or its Territories from five days up to two years. Coverage range from $50,000 up to $1 million. Deductible options from $0 to $2,500. First Health PPO network provides access to 500,000 physicians and 4,700 hospitals in the United States.

Patriot AmericaSM provides coverage for people traveling outside of their home country whose destination includes the United States or its territories. Patriot AmericaSM Highlights:

  • Short-term travel medical coverage
  • Meets Schengen Visa Insurance Requirements
  • Coverage for individuals and dependents
  • Maximum Limits from $50,000 to $1 million
  • 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
  • Universal Rx pharmacy discount savings
  • 24-hour secure access from anywhere in the world to manage your account at any time

This plan is designed for:

  • Relatives visiting from overseas
  • Recently arrived immigrants
  • International vacationers
  • College students studying abroad
  • Families sponsoring exchange students
  • Individual or group missionaries
  • Foreign au pairs and nannies
  • Senior citizens age 65+ traveling abroad
  • Schengen / Travel Visa approved
    Print out the visa confirmation letter immediately after purchase                

Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You can also choose from a wide range of deductibles, several Maximum Limits, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S.  You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.


Patriot America plan benefits

All amounts shown are in U.S. dollars.

PLAN INFORMATION  
Maximum Limits $50,000, $100,000, $500,000, $1,000,000
Individual Deductible Options $0, $100, $250, $500, $1,000, $2,500
Coinsurance for treatment received outside the U.S. Company pays 100%
Coinsurance for treatment received in the U.S. In the PPO network: Company pays 100%
Out of the PPO network: Company pays 80% of eligible expenses up to $5,000, then 100%
Incidental Trips to Home Country 14 consecutive days maximum limit
Insured person’s country of residence is not the U.S.
Incidental Emergency Coverage in the U.S.
(Patriot International only)
14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Hospitalization/Room & Board Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care Up to the maximum limit
Surgery Up to the maximum limit
Physician Visits/Services Up to the maximum limit
Radiology/X-ray Up to the maximum limit
Prescriptions
(Dispensing limit per prescription: 90 days)
Up to the maximum limit
Home Nursing Care
(Upon direct transfer from an acute care facility)
Up to the maximum limit
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission)
Up to the maximum limit. Subject to deductible and coinsurance
Durable Medical Equipment Up to the maximum limit
Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Medical Evacuation
(Must be approved in advance and coordinated by the company)
$1,000,000
Emergency Reunion
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial
(Must be approved in advance by the company)
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of Minor Children
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Political Evacuation & Repatriation
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible

Natural Disaster Evacuation (Must be approved in advance by the company)

$25,000 maximum limit. Not subject to deductible.
Terrorism $50,000 maximum limit. Not subject to deductible
Acute Onset of Pre-Existing Conditions
(Insured person must be under 70 years of age) (Patriot International only)
United States citizens:
Age 64 and under without a primary health plan:
  • Maximum limit: $20,000
Age 64 and under with a primary health plan:
  • Up to the period of coverage limit
Age 65 through age 69:
  • Maximum limit: $2,500
Non-United States citizens:
Age 69 and under:
  • Up to the period of coverage limit or $1,000,000 (whichever is lower)
$25,000 maximum limit for emergency medical evacuation
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy
(Medical order or treatment plan required)
Up to the maximum limit
Hospital Emergency Room
(Outside the U.S.)
Up to the maximum limit
Hospital Emergency Room
(Inside the U.S.)
Injury not subject to emergency room deductible
Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common Carrier Accidental Death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident $50,000 principal sum. Not subject to deductible.
Identity Theft $500 maximum limit. Not subject to deductible
Trip Interruption $10,000 maximum limit. Not subject to deductible
Lost Luggage $50 per item, $500 maximum limit. Not subject to deductible
Eligible Medical Expenses Up to the maximum limit
Bedside Visit
Hospitalized in an intensive care unit
$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital Facility Up to the maximum limit
Laboratory Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Chiropractic Care
Medical order or treatment plan required
Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility
Up to the maximum limit
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Company pays 100%
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Personal Liability
Secondary to any other insurance
$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return
For a pet cat or dog traveling with the insured person
$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person
$500 maximum limit. Not subject to deductible.
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Eligibility information about this plan

Patriot AmericaSM provides coverage for people traveling outside of their home country whose destination includes the United States or its territories.

Not Available to residents of European Union countries
Ages: All Ages
Max Length of Coverage: 12 Months

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