Patriot GoTravel Insurance

Patriot Platinum policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country.

• Eligibility: Visitors to USA and any traveling outside their home country to the United States. All applicants must maintain permanent residency outside of the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children, or even if children traveling alone.
• Duration: Minimum period of 15 days initial purchase, to maximum coverage duration of 1 year (365 days).
• Maximum Amount: Plan offers maximum coverage choices for visitors ages below 70 years: Plan A: $50,000, Plan B: $100,000, Plan C: $250,000, Plan D: $500,000, and Plan E: $1,000,000; amounts are for the life of the plan or coverage duration. For visitors age 70 – 79 years, maximum coverage choices up to $100,000 (plans A and B only); for travelers 80 years and older, coverage maximum is US$20,000.
• Deductible: Choice of USD $0, $50, $100, $250, $500, $1000, $2500, or $5,000 deductible (accumulated amount) per person per certificate plan period.
• Co-Insurance:
  Traveling to the United States: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
• Pre-Existing Condition: Exclusion: 24 Months prior to the start date of coverage.
• Emergency Medical Evacuation and Repatriation: $500,000
• Return of Mortal Remains: $50,000
• Emergency Medical Reunion: $50,000
• Return of Minor Child: $50,000
• Interruption of Trip: $5,000
• Loss of Baggage: $50 per article; up to a maximum of $250
• Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $100
• Accidental Death and Dismemberment: $25,000 (Enhanced Benefit Amounts available) with paralysis and
  coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
• Political and Natural Disaster Evacuation: $50,000
• Travel Assistance: Travel assistance services are also available.
• Optional Plan Enhancements: Athletic & Hazardous Activity Benefit available for team and other dangerous sport activity as specified.
• Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs.
• Administrator: Patriot Platinum is administered by International Medical Group, Inc. (IMG)
• Underwriter: Patriot Platinum is underwritten by Sirius Specialty Insurance Corportation, rated “A” (excellent) by A.M. Best.

Review the plan brochure for coverage information including the summary of benefits table.

• Plan Brochure: Review the Patriot America Plan Brochure for plan information.

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

• Certificate of Insurance: Review all the policy details available in the Patriot America Insurance Certificate which is the detailed sample document of the master policy.
• Claims Form: Download the Patriot America Claims form on the IMG Client Resources page.

IMG Patriot America Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

• Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Quote/Buy instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Patriot America coverage online.
• Application Form: Complete, mail/fax the Patriot America Paper Application along with payment

IMG Patriot America Visitor Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the Patriot America plan coverage dates using Patriot America Plan Renew Online.

Patriot America America plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Dashboard: Access the Patriot America Plan on the IMG Client Resources dashboard for existing policyholders.
• Claim Form: Download and submit the Patriot America Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.