Patriot Green International Insurance

  • Comprehensive benefits plan
  • For U.S. citizens traveling outside U.S.A.
  • After deductible, Plan pays 100% to policy maximum
  • Cancelable and Renewable
  • Same as Policy Maximum for sudden and unexpected recurrence of pre-existing conditions if the insured has primary health plan and age under 65. Up to $20,000 if no primary health plan and $2,500 if age 65 & above.
  • Coverage is provided outside of home country including during travel
  • Deductible is annual per person and Policy Maximum is per certificate period per person
  • Coverage is available from 5 days to 2 years for ages 14 days to 100 years
  • International Provider Access (IPA)
  • Administrator: International Medical Group (IMG)
    Underwriter: Sirius International
  • For environmentally conscious international travelers with eco-friendly benefits
  • Other Benefits:  • AD&D Donation  •Accidental Death & Dismemberment  •Common Carrier Accidental Death  •Emergency Medical Evacuation  •Emergency Reunion  •End of Trip Home Country Coverage  •Identity Theft Assistance  •Incidental Home Country Coverage  •Lost Luggage  •Natural Disaster  •Political Evacuation  •Return of Minor Children  •Return of Mortal Remains or Cremation/Burial  •Sports & Activities Coverage  •Terrorism  •Trip Interruption
  • Optional Riders:  • Citizenship Return Rider  •Eco Sports Rider  •Enhanced AD&D Rider  •Evacuation Plus Rider  •Patriot T.R.I.P. Lite

Benefits

PLAN INFORMATION
Maximum Limit$50,000, $100,000, $500,000, $1,000,000, $2,000,000
Individual Deductible$0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S. & CanadaNo Coinsurance
Coinsurance - for treatment received within the U.S. & CanadaIn the PPO Network - The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit. Out of the PPO Network - The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Benefit PeriodSix months
MyIMGSM24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical BenefitsCoverage available for in-patient and out-patient medical expenses
International Emergency CareA wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
Carbon OffsetsPortion of premium is used to purchase carbon offsets to lessen the effects of your travel on the environment
MEDICAL BENEFITS
Hospital Room and BoardUp to the Maximum Limit for average semi-private room rate
Intensive CareUp to the Maximum Limit
Medical ExpensesUp to the Maximum Limit
Out-patient Medical ExpensesUp to the Maximum Limit
Local AmbulanceUp to the Maximum Limit
Prescription DrugsUp to the Maximum Limit
Emergency Room AccidentUp to the Maximum Limit
Emergency Room Illness with In-patient AdmissionUp to the Maximum Limit
Emergency Room Illness without In-patient AdmissionUp to the Maximum Limit with additional $250 deductible
Dental - Injury ue to AccidentUp to the Maximum Limit
Dental - Sudden Dental EmergencyUp to $100
Hospital Da y IndemnityUp to $100 per night up to a maximum of 10 days
INTERNATIONAL EMERGENCY CARE
Emergency Medical EvacuationUp to $500,000 Lifetime Maximum (independent of the Maximum Limit)
Emergency ReunionUp to $50,000
Return of Mortal Remains or Cremation/BurialUp to $50,000 for Return of Mortal Remains or $5,000 for Cremation/Burial
Return of Minor ChildrenUp to $50,000
Political EvacuationUp to $10,000
Natural Disaster$100 per day for five days
Identity Theft AssistanceUp to $500 per Period of Coverage
ADDITIONAL BENEFITS
TerrorismUp to $50,000 Lifetime Maximum
Sports & Activities CoverageUp to the Maximum Limit for basic sports
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only)Up to age 65 with primary health plan: URC up to plan maximum. Up to age 65 without primary health plan: $20,000 Lifetime Maximum.
Age 65+: $2,500 Lifetime Maximum.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for non-U.S. citizens only)Up to age 65: $50,000 Lifetime Maximum for eligible medical expenses.
Age 65+: $2,500 Lifetime Maximum.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical EvacuationUp to $25,000 of eligible costs and expenses
Incidental Home Country CoverageUp to a cumulative two weeks
End of Trip Home Country CoverageOne month for every five months of travel coverage purchased, up to a maximum of two months
Trip InterruptionUp to $5,000
Common Carrier Accidental Death$50,000 to beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment$25,000 principle sum
Lost LuggageUp to $50 per item of personal property; maximum of $250
AD&D Donation$5,000 benefit is paid to an environmental organization that positively impacts Global Conservation
OPTIONAL RIDERS
Eco Sports Rider (Available to insureds up to age 65.)Age 0-49: $50,000 Lifetime Maximum; Age 50-59: $30,000 Lifetime Maximum; Age 60-64: $15,000 Lifetime Maximum
Enhanced AD&D Rider (Available on the individual plan only. Available to the primary insured only. )Up to an additional $400,000
Citizenship Return RiderUp to the Maximum Limit
Evacuation Plus Rider (Available on the individual plan only.)Up to age 65. Non Life-threatening Medical Evacuation: Up to a maximum of $25,000. Natural Disaster Evacuation: Up to a maximum of $5,000.
Chaperone/Faculty Leader Replacement Rider (Available on the group plan only.)Up to $3,000 for round trip economy airline ticket