Patriot Group Travel Medical Insurance is designed for organizations who have a group of five or more members that will be traveling together, and are traveling to a destination that is not the home country of any of the traveling members.
Patriot Group Travel Medical Insurance for US and Non-US Citizens Traveling Outside Their Country of Citizenship.
Patriot Group Travel Medical InsuranceSM includes coverage for:
Patriot Group Travel Medical InsuranceSM special features:
This is only a summary of the benefits provided. Details of the full terms and conditions are included in the full policy wording.
IMG covers usual, reasonable, and customary (URC) charges for eligible expenses in the area where you receive treatment.
|Patriot Group Travel Medical Insurance® For U.S. and Non-U.S. Citizens
Maximum Benefits in US Dollars
|Emergency Evacuation||To Policy Maximum when coordinated through IMG|
|Repatriation Expenses||$25,000 when coordinated through IMG|
|Emergency Reunion||$15,000, maximum of 15 days|
|Returning Minor Children||$5,000 when coordinated through IMG|
|Local Ambulance Expense||To Policy Maximum|
|24-Hour AD&D||$25,000 principal sum|
|Common Carrier Accidental Death||$50,000 to Beneficiary, maximum of $250,000 per group|
|Hospital Room and Board||Up To Policy Maximum for average semi-private room rate|
|Intensive Care||To Policy Maximum|
|Medical Expenses||To Policy Maximum|
|Outpatient Medical Expenses||To Policy Maximum|
To Policy Maximum for injury due to an accident
|Trip Interruption||Up to $5,000|
|Lost Luggage||Up to $50 per bag; maximum of $250|
Adventure Sports Rider (optional): Rider provides coverage for recreational jet skiing, scuba diving, snow skiing, snowboarding, snowmobiling, snorkeling, surfing, wake boarding, water skiing, and windsurfing.
End of Trip Home Country Coverage - One month for every five months of travel coverage purchased, up to a maximum of two months.
Citizenship Return Rider (optional): Rider provides full coverage for non-US citizens within their country of citizenship. The Insured must be outside his/her country of citizenship at time of application.
Additional Benefits for US Citizens:
Sudden Recurrence of a Pre-existing Condition - Up to US$15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.
Indemnity - Patriot International will pay directly to the insured person US$100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit.
Deductible (USD) Your choice of $100, $250, $500, $1000 or $2500. Each person will only need to satisfy their deductible once per policy period.
For treatment received in the US & Canada: The plan pays 80% of the first $5000 of eligible expenses (after the deducible is satisfied) then 100% up to the Policy Maximum.
For treatment received outside the US & Canada: No coinsurance, the plan pays 100% of eligible expenses up to the Policy Maximum (after the deducible is satisfied).
If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness.
Groups: Five or more traveling abroad
Citizenship: U.S. or non-U.S.
Residency: All nationalities (Not available to residents of European Union countries)
Ages: All ages (reduced benefits for older ages)
Max Length of Coverage: 12 months