Patriot America Plus Insurance

Patriot America Plus Insurance is designed by International Medical Group to provide coverage for non-U.S. citizens traveling outside their home country to pursue their studies. Patriot America Plus plan offers Coverage for pre-existing conditions. Benefit Period is 60 days.

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Eligibility

For non-U.S. citizens traveling outside their home country.
For applicants under the age of 65 years and visiting the United States, their initial Period of Coverage must begin within six months of arrival in the U.S. For applicants 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance.

Pre-Existing Conditions

For Non-US Citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):

Up to age 65 lifetime Maximum is $50,000.
Up to $2,500 for insureds aged 65 years and above.

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

Up to $25,000 of eligible costs and expenses.

What's covered?

Plan Maximum

Lifetime Maximum Limit^?
$10,000, $100,000, $500,000

Co-insurance

Treatment outside US and Canada: No co-insurance.
Treatment inside US and Canada
In PPO - The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Out of the PPO-The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Deductible

Deductible Options
$0, $100, $250, $500, $1,000 or $2,500

Provider Network clarifications

PPO stands for Preferred Provider Organization and is a network of health care providers. Insurance companies form these in order to control the costs of health care.

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Plan benefits

International Emergency Care

Emergency Medical Evacuation	Up to $500,000 lifetime maximum (independent of the Maximum Limit)
Return of mortal remains	Up to $50,000

Additional Benefits

Accidental Death and Dismemberment	$25,000 principle sum
Terrorism Coverage	Up to $50,000 lifetime maximum
Incidental Home Country Coverage	Up to a cumulative of 2 weeks

Medical Benefits

Local Ambulance	Up to the Maximum Limit
Hospital Intensive Care	Up to the Maximum Limit
Prescription Drugs	Up to the Maximum Limit

Dental Benefits

Injury due to accident	Up to the Maximum Limit
Sudden and unexpected pain	Up to $100

Optional Riders

Adventure Sports Rider	covers insureds up to age 65
	0-49 years - $50,000
	50-59 years - $30,000
	60-64 years - $15,000

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