Patriot Platinum 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 3 years for ages 14 days to 100 years
  • International Provider Access (IPA)
  • Administrator: International Medical Group (IMG)
    Underwriter: Sirius International
  • Other Benefits:  • Accidental Death & Dismemberment  •Common Carrier Accidental Death  •Emergency Medical Evacuation  •Emergency Reunion  •End of Trip Home Country Coverage  •Felonious Assault  •Identity Theft Assistance  •Incidental Home Country Coverage  •Lost/Theft  •Natural Disaster  •Political Evacuation  •Remote Transportation  •Return of Minor Children  •Return of Mortal Remains or Cremation/Burial  •Small Pet Common Air Carrier Accidental Death  •Sports & Leisure Activities  •Terrorism  •Trip Interruption
  • Optional Riders:  • Adventure Sports Rider  •Citizenship Return Rider  •Enhanced AD&D Rider  •Evacuation Plus Rider  •Patriot T.R.I.P. Lite  •Personal Liability

Benefits

PLAN INFORMATION
Maximum Limits$1,000,000, $5,000,000, $8,000,000
Individual Deductible$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Family DeductibleThree times the individual deductible
Coinsurance - for treatment received outside the U.S. & CanadaNo Coinsurance
Coinsurance - for treatment received within the U.S. & CanadaIn the PPO Network - No Coinsurance. Out of the PPO Network - The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits.
Benefit Period12 months
Global Concierge & Assistance ServicesAccess to a dedicated service team for assistance services
MyIMGSM24 hour secure access from anywhere in the world to manage your account at anytime
eDocAmericaAccess to board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians and fitness trainers to assist with any routine health related questions
World-class Medical BenefitsPremium coverage 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
MEDICAL BENEFITS
Hospital Room and BoardUp to the Maximum Limit
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
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 $250
Hospital Dai y IndemnityUp to $250 per night for a maximum of 10 days
Supplemen al AccidentUp to $300
INTERNATIONAL EMERGENCY CARE
Emergency Medical EvacuationUp to the Maximum Limit
Emergency ReunionUp to $100,000
Return of Mortal Remains or Cremation/BurialUp to $100,000 for Return of Mortal Remains or $5,000 for Cremation/Burial
Return of Minor ChildrenUp to $100,000
Political EvacuationUp to $100,000
Natural Disaster$250 per day for five days
Remote Transportation$5,000 per certificate period. $20,000 Lifetime Maximum.
Identity Theft AssistanceUp to $500
Lost / Theft (Luggage, valuables, personal papers)Up to $500
Felonious AssaultUp to $10,000
ADDITIONAL BENEFITS
TerrorismUp to the Maximum Limit
Sports & Leisure ActivitiesUp 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 four months of travel coverage, up to a maximum of three months
Trip InterruptionUp to $10,000
Common Carrier Accidental Death$100,000 per adult, $25,000 per child, maximum of $250,000 per family
Accidental Death & Dismemberment$50,000 principle sum
Small Pet Common Air Carrier Accidental DeathUp to $500
OPTIONAL RIDERS
Adventure 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 for the primary insured only.)Up to an additional $400,000
Citizenship Return RiderUp to the Maximum Limit
Personal Liability - Injury to third party Personal Liability - Damage to third person property$2,000 limit after $100 deductible.
$500 limit after $100 deductible.
Evacuation Plus Rider (Available on the individual plan only.)Up to age 65. Non Life-threatening Medical Evacuation: Up to a maximum of $50,000; Natural Disaster Evacuation: Up to a maximum of $10,000
Chaperone/Faculty Leader Replacement Rider (Available on the group plan only.)Up to $3,000 for round trip economy airline ticket