Patriot Exchange Standard Short-Term Program Plan

Choice of $50,000, $250,000 or $500,000 per illness or injury with a Lifetime Maximum of $5,000,000

No co-insurance

$100 per illness or injury

60 days per chronic illness

24 hour secure access from anywhere in the world to manage your account at anytime

A wide range of international emergency benefits available including emergency evacuation, emergency reunion, and return of mortal remains

Coverage provided for dependents of faculty, scholars, students and exchange participants

Additional coverage is available for high school sports, personal liability and legal assistance

Available to U.S. and non-U.S. citizens

See Additional Benefits for more information

Up to semi-private room rate

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$5 co-pay per visit

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Charges incurred for the use of the Emergency Room due to an accident are covered up to the per injury plan maximum.

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admission to the hospital.

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Additional $250 deductible

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.

Injury Due to Accident $500
Sudden and Unexpected Emergency $350

Injury due to an accident – The Standard Short-Term Travel Plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident.

Sudden dental emergency – The Standard Short-Term Travel Plan will pay for the necessary treatment of sudden, unexpected pain to sound natural teeth.

$50,000 Lifetime Maximum

Each plan offers coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the indicated amount per plan design.

$15,000 Lifetime Maximum

Each plan also offers Emergency Reunion coverage for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

$25,000 for Return of Mortal Remains or $5,000 for Cremation/Burial

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.

Up to $10,000

If the United States Department of State, Bureau of Consular Affairs, or similar government agency of the insured person’s home country, orders the evacuation of all non-emergency government personnel from the host country, due to political unrest, that becomes effective on or after the insured person’s date of arrival in the host country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the insured person’s home country or country of residence provided that:

The insured person contacts the Company within 10 days of the issuance of the evacuation order by the United States Department of State, Bureau of Consular Affairs, or similar government agency of the insured person’s home country; and
The evacuation order pertains to persons from the same home country as the insured person; and
Political Evacuation and Repatriation is approved and coordinated by the Company. In no event will the Company pay for a political evacuation if there is a travel warning in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.
In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.

Accidental Death $25,000
Dismemberment $25,000 two limbs; $12,000 one limb

Up to $50,000 Lifetime Maximum

Each plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum. Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government or international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. In addition, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.

This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.

Medical - Up to $5,000 of eligible expenses
Emergency Medical Evacuation - Up to $25,000 of eligible costs and expenses

Up to $5,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the U.S. In addition, up to $25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

For U.S. and non U.S. citizens $500 per year; $50,000 lifetime maximum - after 12 months of continuous coverage

For U.S. citizens, this benefit will begin when the Sudden Recurrence benefit is exhausted.

Up to a cumulative two weeks

During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to:

The insured person must have left their home country, the total Period of Coverage must be for a minimum of 30 days, and the return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.

Loss/theft of Baggage $250
Loss/theft of Valuables $250
Loss/theft of Personal Papers $250

Binder Fee of $500 when served with summons

Injury to third party pays a $2,000 limit after $100 deductible

$500 limit after $100 deductible. Secondary to any other insurance in force

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