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Patriot Plus

Comprehensive | A- (Excellent) | IMG

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COVID-19 Included

Acute Pre-Existing Condition Condition

Medical Coverage During Travel

Cancelable & Renewable

After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 90% of eligible medical expense up to $5,000, then 100% thereafter

For non U.S residents traveling internationally, including the USA

For U.S citizens living abroad and visiting the USA for a short trip

Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries

For ages 14 days to 99 years

Coverage for minimum 5 days to maximum up to 365 days

Extendable for up to 365 days

Temporary coverage for green card holders visiting the USA for a short trip

Eligible for Student Visa holders who do not have specific health insurance requirements to meet.

Plan can be purchased after arrival at the destination

Not available to residents of: Botswana, Cuba, Gambia, Ghana, Iran, Kosovo, Niger, Nigeria, North Korea, Sierra Leone, Syria, Venezuela, Virgin Islands (USA)

Not available for following home countries: Botswana, Cuba, Gambia, Ghana, Iran, Kosovo, Niger, Nigeria, North Korea, Puerto Rico, Sierra Leone, Syria, United States, Venezuela, Virgin Islands (USA)

Not available for citizens of: Botswana, Gambia, Ghana, Kosovo, Niger, Nigeria, Sierra Leone

Not Available for the following Destination Countries:: Congo, The Democratic Republic of, South Sudan, Uganda

Plan Brochure | Description of Coverage | Plan FAQs | See Complete Benefits

Patriot Plus (A.M. Best Rating: A-) is a comprehensive travel medical insurance plan for international visitors seeking enhanced medical coverage while visiting the United States. Access to the UnitedHealthcare PPO network, comprehensive medical benefits, and acute onset coverage for eligible pre-existing conditions make it a popular choice for family visits, vacations, and business travel. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 90% of the first $5,000 of eligible medical expenses, then 100% thereafter, up to the selected policy maximum.

Patriot Plus does not cover pre-existing conditions. Patriot Plus includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 70.

Review the Patriot Plus Insurance plan policy documents for complete and accurate coverage and exclusions.

Eligible Medical Expenses

In-Network

100% up to policy maximum

Out-Network

90% of first $5,000, 100% thereafter

Pre-Existing Conditions

Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition

    Up to policy maximum: Age 69 and below

    Prescription Drugs / Medicines

    90% of first $5,000, 100% thereafter

    Dr. / Physician Visit

    In-Network

    100% up to policy maximum

    Out-Network

    90% of first $5,000, 100% thereafter

    Urgent Care

    In-Network

    $25 copay, 100% up to Policy Maximum

    Out-Network

    $25 copay, 90% of the first $5,000, 100% thereafter

    Surgical Treatment

    In-Network

    100% up to policy maximum

    Out-Network

    90% of first $5,000, 100% thereafter

    Lab & X-rays

    In-Network

    100% up to policy maximum

    Out-Network

    90% of first $5,000, 100% thereafter

    Hospital Room and Board

    In-Network

    100% up to Policy Maximum

    Out-Network

    Average semi-private room and rate

    Dr. / Physician Visit

    In-Network

    100% up to policy maximum

    Out-Network

    90% of first $5,000, 100% thereafter

    Surgical Treatment

    In-Network

    100% up to policy maximum

    Out-Network

    90% of first $5,000, 100% thereafter

    Ambulance Expenses

    In-Network

    Up to 100%

    Out-Network

    Up to 100%

    Emergency Room

    In-Network

    100% up to policy maximum

    Out-Network

    90% of first $5,000, 100% thereafter

    Dental Emergency

    Up to $300

    US Border Entry Protection

    Not covered

    Emergency Medical Evacuation / Repatriation

    Up to $1,000,000

    Return of Mortal Remains

    100% up to policy maximum

    Trip Interruption

    No Coverage

    Trip Delay

    No coverage

    Lost Luggage

    Up to $500, $50 per item

    Terrorism

    Up to $50,000

    Personal Liability

    Up to $25,000

    Identity Theft

    Up to $500

    Legal Fees

    No coverage

    Lost or Stolen Passport

    No coverage

    Missed Connection

    No coverage

    COVID-19 Medical Coverage

    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.

    COVID-19 Testing

    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date

    COVID-19 Vaccine/Booster

    No Coverage

    COVID-19 Quarantine Coverage

    No Coverage

    Doctor Wellness Visit

    No Coverage

    Preferred Rates

    Not Available

    Plan Administrator Company

    IMG

    Carrier / Underwriter

    SiriusPoint Speciality Insurance Corporation

    AM Best Rating

    A- (Excellent)