Patriot Group International Plan

Patriot Group International Insurance

Your group has enough to worry about when they travel. Don’t let their medical coverage be an uncertainty. International Medical Group’s Patriot Group International plan offers complete coverage for U.S. citizens traveling outside the U.S. including brief returns home to the States.

What makes this plan so great?

  • Single plan for entire group of travelers
  • Medical maximum limits from $50,000 to $2,000,000
  • Six deductible options ranging from $0 to $250
  • Trip cancellation, travel delay and baggage delay benefits available

This plan is available for a minimum of five days up to a maximum of two years. With all IMG plans, you’ll have access to multilingual customer service centers, claims administrators, and 24-hour emergency medical services.

**Medical maximum availability depends on age. Ages 70-79 have only a medical max of $50,000; ages 80 and above have a medical max of $10,000.

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Claims

Patriot Group International Plan Details


Overview

Medical Maximum

$50,000, $100,000, $500,000, $1,000,000, or $2,000,000

Individual Deductible

Your choice of $0, $100, $250, $500, $1,000 or $2,500

Your premium rate is dependent on the deductible you choose.

Co-Insurance

For treatment received outside the U.S. & Canada: No coinsurance

For treatment received outside the U.S. & Canada: No coinsurance

Benefit Period

Six months

If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness.

Medical

USUAL, REASONABLE AND CUSTOMARY CHARGES, SUBJECT TO DEDUCTIBLE AND COINSURANCE WHEN APPLICABLE.

Hospital Room and Board

Up to the Maximum Limit for average semi-private room rate

Intensive Care

Up to the Maximum Limit

Medical Expenses

Up to the Maximum Limit

Outpatient Medical

Up to the Maximum Limit

Local Ambulance

Up to the Maximum Limit

Prescription Drugs / Medicines

Up to the Maximum Limit

Emergency Room Accident

Up to the Maximum Limit

Charges incurred for the use of the Emergency Room due to an accident are covered up to the Maximum Limit.

Emergency Illness – with In-patient Admission

Up to the Maximum Limit

Emergency Room Illness without In-patient Admission

Up to the Maximum Limit

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.

Dental

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Injury due to an accident: Each Patriot Group 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 up to the Maximum Limit.

Sudden dental emergency: Each plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Hospital Daily Indemnity

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Plan pays $100 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit.

International Emergency Care

WHEN COORDINATED THROUGH THE PLAN ADMINISTRATOR

Emergency Evacuation

Up to $500,000 lifetime maximum (independent of the Maximum Limit)

The Patriot Group plans offer coverage for Emergency Medical Evacuation 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 $500,000.

Emergency Reunion

Up to $50,000

Each Patriot Group plan also provides Emergency Reunion coverage, up to $50,000 for a maximum of 15 days, 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.

Return of Mortal Remains Cremation & Burial

Up to $50,000 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 up to a maximum of $50,000; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.

Return of Minor Children

Up to $50,000

If a covered illness/injury results in a hospitalization and/or death and the insured person is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Group plans will pay up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Political Evacuation

Up to $10,000

If the United States Department of State, Bureau of Consular Affairs, or similar government organization 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:

  1. The insured person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, issuance of the evacuation order; and
  2. The evacuation order pertains to persons from the same home country as the insured person; and
  3. 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.

To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.

Natural Disaster

$100 per day for five days

This benefit is available in the event an insured person is required to depart his/her destination due to an evacuation order issued by prevailing authorities in connection with a Natural Disaster. Natural Disaster is defined as widespread disruption of human lives by disasters such as flood, drought, tidal wave, fire, hurricane, earthquake, windstorm, or other storm, landslide, or other natural catastrophe or event resulting in migration of the population for its safety.

Identity Theft Assistance

Up to $500 per Period of Coverage

If an imposter obtains key personal information such as a Social Security or Driver’s License number, or other method of identifying an insured person in order to impersonate or obtain credit, merchandise or services in the insured person’s name, the Patriot Group plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen identity event; notarization of legal documents, long-distance telephone calls, and postage that has resulted solely as a result of reporting, amending and/or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person’s knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

The identity theft event must occur during the Period of Coverage.

Additional Benefits

Terrorism Coverage

Up to $50,000 lifetime maximum

Each Patriot Group 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 of 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. However, 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.

Sports & Activities

Up to the Maximum Limit for basic sports Coverage as described below

Each Patriot Group plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activities (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee, and or Adventure Sports.

Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical)

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For those up to age 65 with a primary health plan, Patriot International Group will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on the Exclusions page) up to the plan maximum. For those without a primary health plan, Patriot International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with or without a primary health plan, Patriot International will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Patriot plan, and the Pre-existing Condition must be covered under the primary health plan.

Sudden Recurrence of a Pre-existing Condition (Emergency Medical Evacuation)

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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.

Incidental Home Country Coverage

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

End of Trip Home Country Coverage

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For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).

Trip Interruption

Up to $5,000

If, during a covered trip, there is an unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Group plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Common Carrier Accidental Death

$50,000 to Beneficiary; maximum of $250,000 per family

If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, to a maximum of $250,000 per family.

AD&D

$25,000 principal sum

Lost Luggage

Up to $50 per item of personal property; maximum of $250

A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.

For full policy information, see your policy certificate for details.

Patriot Group International Frequently Asked Questions


Am I covered for sports or team events?

Organized sporting teams, whether amateur or professional, are generally not covered by these travel plans. If you are traveling with a sports team, contact your organization about coverage. Most are covered under a group blanket plan.

Student designed plans can offer limited sports coverage while being played with a school team, depending on the plan chosen.

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.

Does Medicare pay for international medical expenses?

Medicare will not cover cost associated with international travel. Some Medicare supplements will pay limited expenses but you must pay everything up front and file for reimbursement.

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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:

If I miss my flight due to traffic will I be covered by travel delay insurance?

That reason is not usually covered although traffic accidents are usually covered.

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 insurance documents do I need to take on my trip?

Now that your travel insurance is in place, it’s important that you take a few documents with you on your trip and also leave a copy of these at home with a family member or friend.
1. Your confirmation of coverage document.
2. The insurance’s company’s emergency contact phone number.
3. Your policy number.
4. Your coverage and benefits policy pages.
Before your trip be sure that you have read your policy and are familiar with the benefits available so you can ask questions if there is something unclear.

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 can buy international medical coverage?

Anyone traveling outside their home country, vacation travelers, business travelers, students, missionaries.

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.

Why do I need insurance while outside my home country?

In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.

Patriot Group International Claims & Assistance


  • International Medical Group, Inc.
  • 2960 North Meridian Street
  • Indianapolis
  • IN, 46208
Emergency

1-800-628-4664
1-317-655-4500 (outside US)

Claims

1-800-628-4664
1-317-655-4500 (outside US)
insurance@imglobal.com