RoundTrip Economy Plan

RoundTrip Economy 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.

Can I cancel my coverage?

If you cancel your coverage before it begins, most carriers waive any cancellation fee. If you cancel after your coverage begins, there may be a cancellation fee. Only unused portions of your premium will be refunded, often in whole monthly increments only.

If you are concerned about the need to cancel coverage, then you may purchase trip cancellation coverage as a rider on some plans or purchase a stand-alone trip cancellation plan to cover your accident/ sickness and trip cancellation needs in one.

Can my coverage start today?

Your insurance coverage cannot start on the same day you apply. The earliest most plans can begin is 12:01am the next day.

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 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 am concerned about terrorism during my travel.

Certain plans provide coverage for acts of terrorism when traveling. The act of terrorism can not occur in a country where the U.S. Department of State has issued a travel warning within the past six months.

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:

I have a sick relative. If I purchase trip cancellation coverage and something happens will my trip be covered?

The death must be unforeseen or unexpected to be considered a covered benefit for a trip cancellation plan.

If I am exposed to Ebola and quarantined what will my international medical insurance cover?

You may be covered if you have to be quarantined due to Ebola.

Policies can provide coverage for cancellation and interruption due to you or your traveling partner or family member being quarantined. If the need for quarantine affects your trip, Trip Interruption coverage may be available to cover the cost to catch up to your trip once you have been cleared to travel. Also, coverage may also be available through the Trip Cancellation provision of your policy if you are required to cancel your trip due to the quarantine.

Policies that offer this type of coverage will list “Quarantine” as a covered reason under the policy’s Trip Cancellation and Trip Interruption benefit.

Coverage is subject to change as conditions related to Ebola change.

For up-to-date information, travel warnings and breaking news, visit:

If I break my camera on my trip, or it’s stolen, will my trip cancellation plan cover the cost to replace it?

Because of the way the plan was designed, personal possessions are not covered for damage due to an accident. A lost or stolen bag may be covered if it was stored in your hotel room or when checked with the airline.

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.

Now that I have purchased insurance coverage, what do I do with it?

Print your ID card and a copy of the claim form. Your ID card contains your policy certificate number, your name, and dates of coverage. The ID card and claim form both have the phone number for the insurance company. It is also a good idea to email a family member or trusted person a copy of your insurance coverage, passport, itinerary, credit card, and other travel documents in case you lose them.

What happens if I miss my flight?

Trip Cancellation plans often provide a benefit for missed connections due to a covered delay. Most benefits on trip cancellation plans are on a reimbursement payout.

What happens if my flight is cancelled due to a Natural Disaster?

That benefit will usually fall under the cancellation or interruption provision.

What happens if my trip is cancelled due to civil unrest?

Check the coverage to see if that benefit is a part of your plan. Traveling to a country that already has a travel warning issued by the U.S. Department of State can negate coverage.

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.

What is international medical insurance coverage?

International Medical coverage is health insurance that covers you for accidents or non-preexisting illness when you are traveling outside your home country. Coverage can be tailored in ways to meet your specific needs.

What is the maximum age I can purchase international medical coverage?

Most policies do not have an age limit but they do have a maximum amount of coverage that they will provide based on your age. Most policies start to decrease coverage after age 69. See each plan brochure for specifics.

What period of time does international medical coverage last?

Most long term plans require that you renew the policy on an annual basis but short term policies can be purchased for as few as 5 days.

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.

Will my insurance cover me if I travel to a country with a “do not travel” advisory?

The “do not travel” advisory will negate benefits for acts of terrorism or injury/ illness/ death associated with the travel warning although regular benefits may still be in place.

To find if there is a travel warning issued for your destination country, visit the

RoundTrip Economy Claims & Assistance