Plan Benefits

INTERNATIONAL EMERGENCY CARE

Emergency Evacuation

To Policy Maximum when coordinated through IMG

Each Patriot Group Travel Medical Insurance^SM plan also provides for Emergency Medical Evacuations to the nearest qualified medical facility or the country of residence (as determined by IMG^SM)expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the country of residence or the country where the evacuation occurred up to the policy limit.

Emergency Reunion

To US$15,000 when coordinated through IMG

Each Patriot^SM plan includes emergency reunion coverage, up to US$15,000 for a maximum of 10 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 country of residence to be united with the insured.

Repatriation

To US$25,000 when coordinated through IMG

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the country of citizenship will be covered up to a maximum of US$25,000.

Returning Minor Children

To US$5,000 when coordinated through IMG

If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

SPECIAL COVERAGES

Home Country Coverage

As described below

Incidental Home Country Coverage - During the period of coverage an insured person may return to their country of citizenship for incidental visits of up to two weeks total, subject to: a. The insured person must have left their country of citizenship, b. The Total Period of Coverage must be for a minimum of 30 days, and c. The return to the country of citizenship may not be taken to receive treatment for a condition incurred while traveling.
End of Trip Home Country Coverage-For every six (6) months of coverage ou purchase, you can purchase one (1) month of home country coverage up to a maximum of 2 months.

Trip Interruption 

To US$5,000

If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, the 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

To US$50 per item; maximum of US$250

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

Common Carrier Accidental Death

US$50,000 to Beneficiary; maximum of US$250,000 per family

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

MEDICAL BENEFITS

Usual reasonable and customary charges,subject to deductible and coinsurance

Hospital Room and Board

To Policy Maximum for average semi-private room rate

Intensive Care

To Policy Maximum

Medical Expenses

To Policy Maximum

Outpatient Medical

To Policy Maximum

Local Ambulance

To Policy Maximum

Dental

To Policy Maximum

Each Patriot plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident

Sports & Activities

To Policy Maximum for basic sports Coverage as described below

Each Patriot plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by an insured person solely for leisure, recreation, entertainment or fitness purposes. 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, but may be added by the Optional Sports Rider: Scuba diving, mountain climbing (up to 4500 meters or where ropes or guides are normally used), jet, snow and water skiing and snowboarding, sky diving, amateur racing, piloting an aircraft, bungee jumping and spelunking.

Accidental Death & Dismemberment

US$25,000 principal sum

Each Patriot plan includes US$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. For more information see the Conditions of Coverage section in the Patriot Travel Medical brochure.

PLAN INFORMATION

Deductible

Your choice of US$100, $250, $500, $1,000 or $2,500

Coinsurance

As described below

For treatment received outside the US & Canada: No coinsurance

For treatment receivd within the US & Canada: The plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum.

Benefit Period

Six months

If a covered injury or illness has continuing treatment after the policy expires, the Benefit Period may provide continued coverage. When the policy expires, IMG will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the policy expired, benefits for the covered injury or illness will continue subject to the Policy Limits until there has been six months of coverage. The Benefit Period serves as an extension of benefits and does not limit the treatment time during the Policy Period.

Additional Benefits for U.S. Citizens

Sudden Recurrence of a Pre-existing Condition

Sudden Recurrence of a Pre-existing Condition - Up to US$500 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$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. For the definition of a Pre-existing Condition, please see Exclusion number 1 in the Patriot Travel Medical brochure.  

Dental Emergency

This plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.  

The above outline is only a consolidated and summary description of all current Patriot Group Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit.