The Patriot International plan offers travel medical coverage for individuals that are traveling outside of their home country. It does not include coverage for travel within the United States. Your primary health insurance may not fully cover you while traveling abroad, and this plan can help to fill the coverage gaps.
As all travelers' needs differ, this plan allows you to choose your medical coverage limits and your deductible amount. The medical coverage options range from $50,000 to $1,000,000. The maximum limit for travelers age 70-79 is $50,000. The maximum limit for travelers age 80 or above is $10,000.
The deductible options range from $0 to $2,500. The plan will automatically default to $250 unless you select another option. This flexibility allows you to assess your budget and choose an amount that you are comfortable paying out-of-pocket.
For travelers up to age 64, there are optional Adventure Sports and Evacuation Plus riders available to add to the plan. The Adventure Sports Rider will allow for additional medical coverage if medical care is needed due to an injury during an activity such as spelunking, bungee jumping, or wildlife safaris to name a few. The Evacuation Plus rider allows for additional emergency medical evacuation coverage.
Other coverages include emergency medical evacuation, evacuation due to a political or natural disaster, and accidental death & dismemberment. There may also be coverage for an acute onset of a pre-existing condition. Please see the full certificate for additional details.
This plan also includes 24/7 emergency assistance services that you can call in the event there is an emergency during your trip. These assistance services can help in the event of a medical emergency, evacuation, or if precertification is needed.