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Why travelers trust Patriot International

Patriot International

Medical and emergency medical evacuation insurance for people traveling outside their home country whose destination excludes the United States or its territories. Coverage range from $50,000 up to $2 million. Deductible options from $0 to $2,500. Medical I.D. card delivered via email immediately after purchase when you select online fulfillment.

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

  • Short-term travel medical coverage
  • Coverage for individuals and dependents
  • Maximum Limits from $50,000 to $2,000,000
  • 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
  • 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:

  • Visiting relatives overseas
  • Vacationing outside the U.S. or outside of your Home Country
  • College students studying abroad
  • Individual or group missionaries
  • Senior citizens age 65+ traveling abroad                

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 International plan benefits

All amounts shown are in U.S. dollars.

Plan Information

 

Maximum Limits

$50,000, $100,000, $500,000, $1,000,000, $2,000,000 (Patriot International only)

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 within 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

Fifty percent (50%) reduction of Eligible Medical Expenses if pre-certification provisions are not met.

Hospital Room and 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

Up to the maximum limit

Diagnostic Procedures

Up to the maximum limit

Prescription Medication

Up to the maximum limit

Home Health Care

Up to the maximum limit

Emergency Local Ambulance

Up to the maximum limit

Durable Medical Equipment

Up to the maximum limit

Emergency Dental Treatment

$300 maximum limit due to accident or unexpected pain to sound natural teeth.

Traumatic Dental Injury
Treatment at a hospital due to an accident

Up to the period of coverage maximum limit
Subject to deductible and coinsurance
Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Emergency Medical Evacuation
Must be approved in advance and coordinated by the company

$1,000,000 maximum limit. Not subject to deductible.

Emergency Reunion
Must be approved in advance by the company

$50,000 maximum limit. Not subject to deductible.

Return of Mortal Remains or Cremation/Burial
Must be approved in advance by the company

$50,000 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

$50,000 maximum limit. Not subject to deductible.

Political Evacuation
Must be approved in advance by the company

$10,000 maximum limit. Not subject to deductible.

Natural Disaster

$250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Terrorism

Up to $50,000 lifetime maximum. Not subject to deductible.

Acute Onset of a Pre-existing Condition - Medical (Patriot International Only)

U.S. citizen up to age 65 with primary health plan: Up to maximum limit.
U.S. citizen up to age 65 without primary health plan: $20,000 lifetime maximum.
U.S. citizen age 65 to age 70: $2,500 lifetime maximum.
Non-U.S. citizen up to age 70: Up to maximum limit or $500,000 - whichever is lower.

Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation (Patriot International Only)

Up to age 65: $25,000 maximum limit

Urgent Care

$25 co-pay. Co-pay is not applicable when the $0 deductible is selected.
Not subject to deductible

Walk-in Clinic

$15 co-pay. Co-pay 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: International

Deductible waived

Hospital Emergency Room: United States

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

Hospital Indemnity

Up to $100 per overnight up to a maximum of 10 overnights. Not subject to deductible.

Common Carrier Accidental Death

$50,000 per insured person and $250,000 Maximum limit per lifetime and per Family. Not subject to deductible.

Accidental Death & Dismemberment

$25,000 principal sum. Not subject to deductible.

Identity Theft Assistance

Up to $500. Not subject to deductible.

Trip Interruption

Up to $5,000. Not subject to deductible.

Lost Luggage

Up to $50 per item; maximum of $250. Not subject to deductible.

Eligibility information about this plan

Area of Coverage: Worldwide excluding the United States, U.S. territories, or the insured persons Home Country. Not Available to residents of European Union countries.
Ages: All Ages
Max Length of Coverage: 12 Months
Renewable up to 12 additional months

Patriot International Plan Documents

IMG Patriot international Certificate of Insurance

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