Patriot Platinum Travel Medical Insurance
Patriot Platinum Travel Medical Insurance is a travel medical plan with top benefits for those who want a five-star international medical travel insurance plan. We have provided the Patriot Platinum plan for many years to our clients. This premium travel insurance plan is all you and I need when traveling overseas. The Patriot Platinum twelve full months of comprehensive benefits including high-limit travel medical coverage, terrorism cover, sports activities, trip interruption, and AD&D (flight accident and 24-hour).
Here are some benefits of this overseas travel plan (all in USD). You can view the full benefits here at https://www.socialgoodinsurance.com/short-term-plans/.
Maximum Limits – $1,000,000, $5,000,000, $8,000,000
Individual Deductible – Your choice of $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 – On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information.
Family Deductible – Three times the individual deductible
Coinsurance – For treatment received outside the U.S. & Canada: No Coinsurance
- For treatment received within the U.S. & Canada:
- In the PPO Network: No Coinsurance
Outside the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits
Benefit Period – 12 months – If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the twelve-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 twelve months before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limit and the other terms of the plan until there have been twelve months of continuous coverage for the covered injury or illness.
Global Concierge & Assistance ServicesSM – Access to a dedicated service team for assistance services
MyIMGSM – 24 hour secure access from anywhere in the world to manage your account at anytime
eDocAmerica – Access to board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians and fitness trainers to assist with any routine health related questions
World-class Medical Benefits – Premium coverage available for in-patient and out-patient medical expenses
International Emergency Care – A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
Hospital Room and Board – Up to the Maximum Limit
Intensive Care – Up to the Maximum Limit
Medical Expenses – Up to the Maximum Limit
Out-patient Medical Expenses – Up to the Maximum Limit
Local Ambulance – Up to the Maximum Limit
Emergency Room Accident – Up to the Maximum Limit
Emergency Room Illness with In-patient Admission – Up to the Maximum Limit
Emergency Room Illness without In-patient Admission – Up to the Maximum Limit with additional $250 deductible
Dental – Injury due to an accident: Each Patriot Platinum 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 $250 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Hospital Daily Indemnity – Up to $250
Supplemental Accident – Up to $300
Emergency Evacuation – Up to the Maximum Limit
Emergency Reunion – Up to $100,000
Return of Mortal Remains – Cremation/Burial – Up to $100,000 for Return of Mortal Remains, or $5,000 for Cremation/Burial
Return of Minor Children – Up to $100,000
Political Evacuation – Up to $100,000
Natural Disaster – $250 per day for five days
Remote Transportation $5,000 per certificate period
$20,000 lifetime maximum
Identity Theft Assistance – Up to $500
Lost / Theft – (luggage, valuables, personal papers) – Up to $500
Felonious Assault – Up to $10,000
Terrorism – Up to the Maximum Limit – Each Patriot Platinum plan 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 up to the maximum limit. 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 & Leisure Activities – Up to the Maximum Limit for basic sports
Sudden and Unexpected Recurrence of a Pre-existing Condition – Medical (for U.S. citizens only) – (U.S. citizens only) For those up to age 65 with a primary health plan, Patriot Platinum International 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 Platinum International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with or without a primary health plan, Patriot Platinum 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 Platinum plan, and the Pre-existing Condition must be covered under the primary health plan
Sudden and Unexpected Recurrence of a Pre-existing Condition – Medical (for non-U.S. citizens only) – (Non-U.S. citizens only) For those under age 65, Patriot Platinum America will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those age 65 and older, Patriot Platinum America will pay up to $2,500 lifetime maximum.
Sudden and Unexpected Recurrence of a Pre-existing Condition – Emergency Medical Evacuation – In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the 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 – One month for every four months of travel coverage, up to a maximum of three months – For every four 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 three 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 $10,000 – 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 Platinum 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 – $100,000 per adult, $25,000 per child, maximum of $250,000 per family – If accidental death should occur while traveling on a commercial Common Carrier, $100,000 per adult and $25,000 per child is payable to the designated beneficiary, to a maximum of $250,000 per family.
Accidental Death & Dismemberment – $50,000 principle sum – Each Patriot Platinum plan offers a $50,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of coverage:
- Accidental Loss of life – principal sum
- Accidental Loss of two Members – principal sum
- Accidental Loss of one Member – 50% of principal sum
- “Member” means hand, foot or eye.
Small Pet Common Air Carrier Accidental Death – Up to $500 – A benefit of up to $500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier. This covers the pet while on the insured’s originating flight from his/her home country, and returning flight to the insured’s home country only. A small pet is a cat or dog up to 30 pounds in weight.
Good Neighbor Insurance provides international travel insurance to those traveling outside their country of resident/country of citizenship. Call one of our professional international travel insurance agents at 866-636-9100 or you may email us at [email protected]. Have an amazing and safe travels!
