The International Medical Group Patriot America plan is a single-trip medical plan which offers coverage for non-U.S. citizens traveling outside of their home country. The unexpected can happen when you are traveling, no matter your destination. You can be prepared with extra medical coverage during your trip.
The Patriot America plan provides you with the option of choosing for a range of medical coverage limits. Available options are $50,000, $100,000, $500,000, $1,000,000 for anyone 69-years-old or younger. If you are 70-79, the maximum medical limit is $50,000. If you are 80 or older, the maximum is $10,000.
The deductible on this plan can also be chosen from a range. This allows you to build a plan that works for your coverage needs and your out-of-pocket expenses. You won’t have to travel and worry about how you’ll pay for an emergency.
This plan does have a pre-existing condition lookback period of three years. A pre-existing condition will not be covered unless it falls under coverage for a sudden recurrence. For travelers age 64 and under, the sudden recurrence benefit amount is $50,000. For travelers age 65 and over, the benefit amount is $2,500.
Finding the best care while your traveling is often a concern. This plan offers evacuation coverage for emergency medical needs as well as political evacuation and repatriation. This benefit will help to cover costs for transportation if deemed necessary due to the circumstances and arranged through the assistance company. You can read all the details in the full certificate of the plan.
The Patriot America plan also includes limited travel-related benefits for trip interruption and baggage. This will help for a variety of reasons. If your bags are lost during your trip, then you’ll be able to file a claim for the contents of your bag. You can read about what is covered in the full certificate. If you need to interrupt your trip due to a covered reason, the plan can help to defray the cost of getting back home.
This plan also has a few optional coverage for travelers. You can chose to add a Citizenship Return Rider, Evacuation Plus Rider and/or an Adventure Sports Rider. As they are a bit lengthy to explain, you can find all the details for these riders in the full certificate of the plan.
Travel Medical plans offer specific coverage needed while traveling abroad. These plans are available to travelers who are leaving their home country and require medical insurance to fill the gaps in their primary health insurance coverage.