Patriot Travel Insurance

 
  • All Nationalities - Expatriates, Recent Green Card Holders, H1-H4-B1-B2-J1-F1 visa holders and US Citizens!
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  • Annually Renewable
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  • Prescription Discount Card included
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  • Worldwide including or excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Taiwan, and Singapore
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  • Nationwide PPO Network - Comprehensive Benefit!
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  • 4 Levels of Coverage - Silver, Gold, Gold Plus & Platinum!

Patriot Travel Insurance - Patriot travel is specially designed for international use or visitors traveling abroad. While traditional medical plans offer fine domestic coverage they do not normally cover medically supervised emergency evacuations, emergency reunions or repatriation when compared to Patriot Travel. Patriot travel has two options: Patriot America for the foreign nationals visiting USA and Patriot International for US citizens traveling abroad. The patriot travel insurance plans include optional Patriot Return Rider, which provides temporary medical coverage for non-US citizens returning to their country of citizenship. These overseas travel insurance plans are administered by International Medical Group, Inc (IMG) and underwritten by Sirius International insurance Corporation.


Benefits:

PLAN INFORMATION
Plan Maximum $50,000, $100,000, $500,000, $1,00,000, $2,000,000
Deductible Your choice of $0, $100, $250, $500, $1,000 or $2,500

On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information.

Coinsurance As described below

For treatment received outside the U.S. & Canada: No coinsurance: [100% up to the Policy Maximum]

For treatment received within the U.S. & Canada:
In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum

Sudden and Unexpected Recurrence of a Pre-existing Condition

(Non-U.S. citizens only) For those under age 65, the Plan will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those ages 65 and older, the Plan will pay up to $2,500 lifetime maximum.

(U.S. citizens only) For those up to age 65 with a primary health the plan will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on page 16) up to the plan maximum. For those without a primary health plan, the plan will pay up to a $20,000 lifetime maximum. For those ages 65 and older, with or without a primary health plan, Plan will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Plan, and the Pre-existing Condition must be covered under the primary health plan.

In addition, up to $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.

Benefit Period Six months

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.

Schedule of Benefits (All amounts listed are in U.S. dollars)
MEDICAL BENEFITS Usual, reasonable and customary charges,subject to deductible and coinsurance
Hospital Room and Board Up to Policy Maximum for average semi-private room rate
Intensive Care Up to Policy Maximum
Medical Expenses Up to Policy Maximum
Outpatient Medical Expenses Up to Policy Maximum
Local Ambulance Up to Policy Maximum
Prescription Drugs Up to Policy Maximum
Emergency Room Accident Up to Policy Maximum
Emergency Room Illness with
In-patient Admission
Up to the Maximum Limit
Emergency Room Illness without
In-patient Admission
Up to the Maximum Limit with
additional $250 deductible
Dental - Injury Due to Accident Up to the Maximum Limit
Dental - Sudden Dental Emergency Up to $100
Hospital Daily Indemnity Up to $100 per night up to a
maximum of 10 days
INTERNATIONAL EMERGENCY CARE (when coordinated through the Plan Administrator)
Political Evacuation Up to $10,000

If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person's home country, orders the evacuation of all non-emergency government personnel from the host country, due to political unrest, that becomes effective on or after the insured person's date of arrival in the host country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the insured person's home country or country of residence provided that:

  1. The insured person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person's home country, issuance of the evacuation order; and
  2. The evacuation order pertains to persons from the same home country as the insured person; and
  3. Political Evacuation and Repatriation is approved and coordinated by the Company; In no event will the Company pay for a political evacuation if there is a travel warning in effect on or within six (6) months prior to the insured person's date of arrival in the host country.
Emergency Evacuation Up to $500,000 lifetime maximum (independent of policy maximum)

The Patriot Group plans offer coverage for Emergency Medical Evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to a $500,000 lifetime maximum (inde pendent of the Maximum Limit).

Emergency Reunion Up to $50,000

Each Patriot Group plan also offers Emergency Reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Mortal Remains or
Cremation/Burial
Up to $50,000

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.

Returning Minor Children Up to $50,000

If a covered illness/injury results in a hospitalization and/or death of an insured person, and he/she is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Group plans will pay up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in life-threatening medical situations, and approved in advance and coordinated by IMG

Incidental Home Country Coverage

    During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to:

  1. The insured person must have left their home country,
  2. The total Period of Coverage must be for a minimum of 30 days, and
  3. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
End of Trip Home Country Coverage

For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please calculate your premium

Trip Interruption

If, during a covered trip, there is an unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured's principle residence, or the substantial destruction of the insured's principal residence due to a fire or natural disaster, each Patriot Group plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Hospital Daily Indemnity

Each plan pays $100 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit. This benefit is not available for Patriot America Group (non-U.S. citizens) if the hospitalization is due to the Sudden Recurrence of a Pre-existing Condition.

ADDITIONAL BENEFITS
Home Country Coverage As described below

Incidental Home Country Coverage - During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their home country, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.

End of Trip Home Country Coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).

Trip Interruption Up to $5,000

If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling), a break-in at the insureds principle residence, or the substantial destruction of the insureds principal residence due to a fire or natural disaster, each Patriot Group plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Lost Luggage Up to $50 per item of personal property; maximum of $250 per Period of Coverage

This benefit will be paid in the event that the Common Carrier permanently loses an insured persons checked luggage. This coverage is secondary to any other available coverage, including the Carriers.

Common Carrier Accidental Death $50,000 to Beneficiary; maximum of $250,000 per family of group

If accidental death should occur while traveling on a commercial Common Carrier, $50,000 will be paid to the designated beneficiary, to a maximum of $250,000 per family of group.

Natural Disaster $100 per day for five days

This benefit is available in the event an insured person is required depart his/her destination due to an evacuation order issued prevailing authorities in connection with a Natural Disaster. Natural Disaster is defined as widespread disruption of human lives disasters such as flood, drought, tidal wave, fire, hurricane, earthquake, windstorm, or other storm, landslide, or other natural catastrophe event resulting in migration of the population for its safety.

Sports and Activities Coverage

Each Patriot Group plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, scuba diving (to 10m), snorkeling, wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition.

The following hazardous activities are excluded unless the Adventure Sports Rider is purchased: abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. To be covered under the Adventure Sports Rider, these adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Injury sustained while participating in contact sports of any kind, racing of any kind, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, rodeo activity, ski jumping, whitewater rafting exceeding Class V difficulty, scuba below 50 meters; and/or adventure sports not expressly covered hereunder are excluded regardless of which plan or rider is selected.

Accidental Death & Dismemberment $25,000 principal sum

Each Patriot Group plan includes $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of Coverage: - Accidental Loss of life - principal sum; - Accidental Loss of two Members - principal sum; - Accidental Loss of one Member - 50% of principal sum. Member means hand, foot or eye.

Hospital Daily Indemnity

(U.S. citizens only) Patriot International Group will pay directly to the insured person $100 for each night of a required overnight stay in a hospital up to a maximum of 10 days. However, the hospital stay must be covered under this plan in order to receive this benefit.

Citizenship Return Rider

When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected. For premium information, please see the back of the Application Form.

Description of Optional Riders
Adventure Sports Rider

The Adventure Sports Rider is available on both Patriot Group plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed on page four: abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Chaperone/Faculty Leader Replacement Rider

In the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, Patriot Group covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. For premium information, please see the Application Form.

Citizenship Return Rider

When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected. For premium information, please see the back of the Application Form.


Exclusions:


Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans.
  • A Pre-existing Condition which is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
  • Treatment or surgeries which are elective, investigational, experimental or for research purposes.
  • War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person's date of arrival in the Host Country.
  • Immunizations and routine physical exams.
  • Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
  • Venereal disease, AIDS virus, AIDS-related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
  • Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
  • Any illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee. The following Adventure Sports are excluded unless the Adventure Sports Rider is purchased: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with proper use of helmet and pads), jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance wit the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.

    Injury sustained while participating in contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty; and/or adventure sports activity not expressly covered hereunder are excluded regardless of which plan or rider is selected.
  • Vision or ear tests and the provision of visual or hearing aids.
  • Vocational, recreational, speech or music therapy.
  • Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
  • Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
  • Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  • Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
  • Willful self-inflicted injury or illness.
  • Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
  • Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  • Treatment for mental and nervous disorders.
  • Organ or tissue transplants or related services.
  • Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.
  • Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
  • Any infection of the urinary tract (or Illness arising therefrom), that occurs within ninety (90) days of the Effective Date of coverage and that requires Treatment of the Insured Person in a Hospital; provided that any such Illness will be deemed by the Company to be a Pre-existing Condition. See Sudden and Unexpected Recurrence of a Pre-existing Condition, on brochure pdf page 11
This brochure contains only a brief summary of current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. The Patriot Travel Medical Insurance plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Please note that it is solely your responsibility to determine if PPACA is applicable to you.


Rates:

Patriot America
The following rates are on base of $250 deductible in all the policy maximum options

Options: Other lower and Higher deductible options available as following to improve the deductible or reduced the cost. please use this rate factors.
Deductible Rate Factors. Deductible Rate Factors.
US $ Zero 1.25 US $500 .90
US $100 1.10 US $1,000 .80
US $250 1.00 US $2,500 .70

Patriot America provides coverage for non-U.S. citizens traveling outside their home country for a minimum of five days up to a maximum of two years. If the plan is purchased for a minimum of one month, coverage may be renewed (without break in coverage) for a total of up to two years.

If you or other family members applying for coverage are age 65 or older, please see the Eligibility section in the brochure for additional information.

All premium rates are in U.S. dollars. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid. The following rates are on base of $250 deductible in all the policy maximum options

POLICY LIMIT $50,000 $100,000 $500,000 $1,000,000
AGE Monthly Rates
18-29 $37.00 $46.00 $59.00 $71.00
30-39 $49.00 $62.00 $78.00 $91.00
40-49 $73.00 $90.00 $119.00 $133.00
50-59 $107.00 $138.00 $169.00 $194.00
60-64 $135.00 $174.00 $207.00 $248.00
65-69 $154.00 $208.00 $226.00 $270.00
70-79 $208.00 N/A N/A N/A
80+* $362.00 N/A N/A N/A
DEP. CHILD $34.00 $41.00 $53.00 $59.00
CHILD ALONE $37.00 $46.00 $59.00 $66.00
POLICY LIMIT $50,000 $100,000 $500,000 $1,000,000
AGE Daily Rates (Minimum length of coverage is 5 days)
18-29 $1.25 $1.55 $2.20 $2.40
30-39 $1.65 $2.10 $2.60 $3.05
40-49 $2.45 $3.00 $4.00 $4.45
50-59 $3.60 $4.60 $5.65 $6.50
60-64 $4.50 $5.85 $6.95 $8.35
65-69 $5.15 $7.00 $7.60 $9.05
70-79 $6.95 N/A N/A N/A
80+* $12.10 N/A N/A N/A
DEP. CHILD $1.15 $1.40 $1.80 $2.00
CHILD ALONE $1.25 $1.55 $2.00 $2.25

Quality Guarantee

Your satisfaction is very important to IMG and the plan underwriter. If you are not pleased with this product, for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium. In order to be considered for a full refund, your request for cancellation must be received by IMG prior to your effective date. If you do not have any claims filed with IMG, you may cancel your plan after your effective date, however, the following conditions will apply: 1) you will be required to pay a $50 cancellation fee and 2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is non-refundable.

Precertification, Emergency Evacuation and Return of Mortal Remains

For precertification, emergency evacuation and return of mortal remains, please call: IMG in the US: 1-800-628-4664 (toll free) or 1-317-655-4500. Call IMG outside the US: 001-317-655-4500 (collect if necessary). This information will also be provided on your ID card.

IMG must be notified prior to treatment or within 48 hours of an emergency.

To Report Claims

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 317-655-4505 or e-mail: insurance@imglobal.com.


Rider:


Description of Optional Riders:
ADVENTURE SPORTS RIDER:
The Adventure Sports Rider is available on both Patriot plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed on page four as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see page 16, exclusion 8. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.
EVACUATION PLUS RIDER
This optional rider is available to insureds up to age 65. It offers coverage for medical evacuations for sudden and unexpected medical conditions that are not life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum of one month regardless of the minimum number of days being traveled.
ENHANCED AD&D RIDER
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of one month.
This rider is available with a minimum purchase of one month of medical and AD&D rider coverage.
CITIZENSHIP RETURN RIDER
When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected. For premium information, please see the back of the Application Form.



Nationwide PPO Network:


Click here to ACCESS THE PPO DIRECTORY


You may seek treatment under Patriot Platinum Medical Insurance Plan worldwide, including in the United States, with the hospital or doctor of your choice. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization (PPO) contracted by IMG, a separately organized network (First Health Group) of approximately 500,000 physicians and 4,700 privately owned and operated hospitals. * This PPO network includes a large number of hospitals including some of the most well recognized university medical centers and transplant facilities.

Using this provider network could significantly reduce your out-of-pocket expenses.

When a U.S. hospital outside the network is used, a co-payment of US $250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however, if there is not a network provider within 50 miles of the location of treatment.

Each proposed hospital admission, inpatient or outpatient surgery, and certain other medical procedures must be Pre-certified for medical necessity. This means the insured person or their attending physician must call the number listed on the IMG identification card prior to admittance to a hospital or performance of a surgery, or medical procedure. In the case of an emergency hospital admission, the Pre-certification call must be made within 48 hours of the admission, or as soon as reasonably possible. For a complete list of procedures requiring Pre-certification, please refer to your certificate wording.

If Pre-certification guidelines are not followed, eligible claims and expenses will be reduced by 50%.