Plan at-a-Glance

Patriot
International^SM

Patriot
America^SM

ExPatriot
Plus®

Length of Coverage

10 Days to 1 Year

10 days to 1 Year

3 months to 2 Years

Lifetime Maximum Coverage

Up to $2,000,000

Up to $1,000,000

Up to $1,000,000

Eligibility

Patriot International provides coverage for US citizens traveling abroad for a minimum of 10 days up to a maximum of one year. 

Patriot America provides coverage for non-US citizens traveling outside their country of citizenship for a minimum of 10 days up to a maximum of one year.

ExPatriot Plus® provides coverage for US citizens AND non-US citizens traveling outside their country of citizenship for a minimum of three months up to a maximum of two years.  ExPatriot Plus®  offers a 10% discount on rates and is renewable.

 Renewability

Although the Patriot International plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.

Although the Patriot America plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.

ExPatriot Plus must be purchased for a minimum initial period of three months, and is renewable for a total of two years. For Expatriot Plus®, an insured must satisfy only one deductible and coinsurance limit within any 12 month period.

Deductible Options

$100, $250, $500, $1000, $2500

$100, $250, $500, $1000, $2500

$100, $250, $500, $1000, $2500

Coinsurance Options

80/20 for treatment received INSIDE the U.S. or Canada: After your deductible is met, co-insurance pays 80% of  the next $5,000 of covered medical expenses  and 100% thereafter up to Policy Maximum

For treatment received OUTSIDE the U.S or Canada: NO Coinsurance.  The plan pay 100% after deductible is met up to Policy Maximum. 

Stop Loss

$5,000 for treatment received INSIDE the U.S. or Canada

$0 for treatment received OUTSIDE the U.S or Canada: NO Coinsurance.  The plan pay 100% after deductible is met

Out of Pocket Maximum

Varies with choice of deductible and where treatment is received. 

Out of Pocket Max can be calculated by Adding your deductible and 20% of Stop Loss. This will range from as little as $100 per year for a plan with a $100 deductible and treatment received outside the US or Canada to a max of $3,500 per year for a plan with a $2,500 deductible and treatment received inside the US or Canada.