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Patriot Travel Medical Insurance®
Patriot Travel Medical Insurance®

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. No Coinsurance (0%)
Coinsurance - for treatment received within the U.S. In the PPO Network - Company pays 90% of eligible expenses up to $5,000, then 100%
Out of the PPO Network - Company pays 80% of eligible expenses up to $5,000, then 100%
Continuation of Treatment Period Six months per injury or illness
Incidental Trips to Home Country 14 consecutive days maximum limit
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.
End of Trip Home Country Coverage One month for every six months of travel coverage purchased, up to a maximum of two months. (Individual plan only)
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
Continuation of Treatment Six months per injury or illness
Emergency Room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency Dental Treatment $100 maximum limit due to accident or unexpected pain to sound natural teeth.
Emergency Medical Evacuation $500,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Emergency Reunion $50,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Return of Mortal Remains or Cremation/Burial $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. Must be approved in advance and coordinated by the Company.
Return of Minor Children $50,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Political Evacuation $10,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Natural Disaster Up to $100 per day and 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 prior to age 70 - 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+: $2,500 lifetime maximum.
Non-U.S. citizen up to age 69: 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
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.

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.