CrewSelect International Standard Individual Plan

CrewSelect International Standard Individual Frequently Asked Questions

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Are vision and dental benefits covered under a short-term medical plan?

Unless state-mandated, vision and dental are not covered under a short-term medical plan. Emergency dental work due to an accident may be included under a standard plan.

Does travel insurance cover pregnancy?

Under short term medical policies pregnancy including complications is generally excluded. With some long term plans if you have the coverage for 11 months or longer maternity coverage can be purchased.
Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-866-971-7936

How do I extend or renew my coverage?

Extension or renewal options vary from plan to plan. Some plans are not extendable or renewable, and some are only renewable if you purchase a minimum number of months. If your plan is renewable or extendable, you must renew before the expiration date. Otherwise, you will need to reapply and satisfy new deductibles or waiting periods. Policies do not automatically renew; you will receive your renewal notice by email.

How early should I purchase my travel insurance?

You may need to buy your coverage quickly. Certain plans, such as trip cancellation plans, have benefits that are not available unless you purchase your coverage within 10-15 days of your initial down payment on your trip. Trip cancellation may exclude pre-existing conditions, or not offer a “Cancel for Any Reason” benefit if you purchase coverage after a certain number of days from the time that you make your initial trip deposit. See the brochure for details.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936
Email:

What are the additional rider options?

Riders are additional features or additional coverage to the standard plan. Not everyone needs all the riders. Patriot America Insurance has the following riders to choose from. All the riders have an additional cost, and you’ll be able to get a quote and select them in the application.

• Leisure Sports
  Coverage for jet skiing, scuba diving, snow skiing, snow boarding, snow mobiling, snorkeling, surfing, wake boarding, water skiing and windsurfing.
• Extreme Sports
  Provides coverage up to $50,000 lifetime maximum for extreme sports activities such as BMX, bungee jumping, caving, flying (private plane), hand gliding, high diving, hot air ballooning, kayaking, inline skating, mountain biking, & etc. Refer to Patriot America Insurance Brochure for complete list.
• Enhanced AD&D
  This optional coverage is available for the primary insured person only. The coverage is in addition to the Accidental Death & Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of three months.
• Return Rider
  (Non-U.S. Citizens only) When purchased at the time of application, Patriot Return provides temporary medical coverage for non-U.S. citizens returning to their home country.

What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

What is a PPO Network?

The PPO (preferred provider organization) plan network usually pertains to insurance coverage that is being used in the U.S.A. and Canada. Most plans have a network of selected doctors, hospitals, and care facilities they have contracted with for discounted rates. If you use that network, or stay in that network, then there is less co-insurance you must pay. If you use a doctor or facility outside of that network, your portion of the co-insurance is higher.

What is a pre-certification requirement?

Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.

Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

Who do I call in case of an emergency?

First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.

Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.

Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.

CrewSelect International Standard Individual Claims & Assistance