Patriot America® Plus
Patriot America® Plus

Summary of Benefits

All amounts shown are in U.S. dollars.

PLAN INFORMATION
Maximum Limits $50,000, $100,000, $500,000, $1,000,000
Individual Deductible Options $0, $100, $250, $500, $1,000, $2,500
Extensions Up to 24 continuous months
Emergency Medical Evacuation
(Must be approved in advance and coordinated by the company)
$1,000,000
Coinsurance for treatment received in 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%
Acute Onset of Pre-Existing Conditions Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation
Remote Transportation No coverage
Supplemental Accident No coverage
Eligible Medical Expenses Up to the maximum limit
COVID-19 / SARS-CoV-2 Coverage
(Not available on the Patriot America plan)
COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Physician Visits/Services Up to the maximum limit
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Hospital Emergency Room
(Inside the U.S.)
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. Up to the maximum limit
Hospital Emergency Room
(Outside the U.S.)
Up to the maximum limit
Hospitalization/Room & Board Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care Up to the maximum limit
Bedside Visit
(Hospitalized in an intensive care unit)
$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital Facility Up to the maximum limit
Laboratory Up to the maximum limit
Radiology / X-ray Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Surgery Up to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Durable Medical Equipment Up to the maximum limit
Chiropractic Care
Medical order or treatment plan required
Up to the maximum limit
Physical Therapy
(Medical order or treatment plan required)
Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility
Up to the maximum limit
Home Nursing Care
(Upon direct transfer from an acute care facility)
Up to the maximum limit
Prescription Drugs and Medications
(Dispensing limit per prescription: 90 days)
Up to the plan maximum limit, may not exceed $250,000
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission)
Up to the maximum limit. Subject to deductible and coinsurance
Emergency Reunion
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Company pays 100%
Natural Disaster Evacuation Must be approved in advance by the company $25,000 maximum limit. Not subject to deductible.
Political Evacuation & Repatriation
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Return of Minor Children
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial
(Must be approved in advance by the company)
Up to the 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
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident $50,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Identity Theft $500 maximum limit. Not subject to deductible
Lost Luggage $50 per item, $500 maximum limit. Not subject to deductible
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Personal Liability
Secondary to any other insurance
$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return
For a pet cat or dog traveling with the insured person
$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person
$500 maximum limit. Not subject to deductible.
Terrorism $50,000 maximum limit. Not subject to deductible
Trip Interruption $10,000 maximum limit. 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.