Patriot Multi-Trip Group America

Plan Detail

Benefits


SCHEDULE OF BENEFITS

Benefit Limit
Maximum Limit $1,000,000
Maximum Limit for travelers age 70-75 $50,000
Individual Deductible

$250 per each covered illness

The Deductible option is $250 per insured person for each cov- ered illness. This deductible is waived for claims incurred as a result of a covered accident.

Coinsurance - for treatment received outside the U.S. & Canada No Coinsurance
Coinsurance - for treatment received within the U.S. & Canada

In the PPO Network - The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

Out of the PPO Network - The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

Benefit Period

$5,000 for a maximum of 30 days with proof of current medical insurance

If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the thirty day 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 thirty days before the Period of Coverage expired, benefits for the covered injury or illness continues.  This is subject to the $5,000 Maximum Limit, proof of current medical insurance and the other terms of the plan, until there have been thirty days of continuous coverage for the covered injury or illness.

MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits 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
MEDICAL BENEFITS - 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
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

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

Emergency Room Illness without In-patient Admission

Up to the Maximum Limit with additional $250 deductible

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.

All Other Eligible Expenses Dental - Injury Due to Accident

Up to the Maximum Limit

Each 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.

Dental - Sudden Dental Pain

Up to $100

Each plan pays up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

INTERNATIONAL EMERGENCY CARE -  When coordinated through the Plan Administrator
Emergency Medical Evacuation

Up to the Maximum Limit

The Patriot Multi-Trip 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.  The plan pays up to the Maximum Limit for covered incidents for insured persons under age 66; and up to $50,000 for covered incidents for insured persons from ages 66 to 75.

Emergency Reunion

Up to $50,000

Each Patriot Multi-Trip plan also offers 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 of the insured person: 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

Up to $50,000

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.

Return of Minor Children

Up to $50,000

If an insured person is admitted to the hospital in-patient due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Multi-Trip plans reimburse up to $50,000 for one way economy fare to the 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:

  • 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
  • The evacuation order pertains to persons from the same home country as the insured person; and
  • 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.
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 Multi-Trip 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

Up to $50,000 lifetime maximum

Each Patriot Multi-Trip 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 Coverage

Up to the Maximum Limit for basic sports

Each Patriot Multi-Trip 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 activites (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized, sponsored and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee, and/or Adventure Sports. Please note this is only a summary of sports and activities and exclusions.  For additional information, please refer to the Certificate of Insurance

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

Up to $5,000 per period of coverage

The plans cover up to $5,000 maximum, per insured person, per period of coverage (not per trip), for the Sudden and Unexpected Recurrence of a Pre-existing Condition (as defined in the Certificate of Insurance).

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

Up to $25,000 of eligible costs and expenses

In addition, up to $25,000 is payable 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.

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 Multi-Trip 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.

Accidental Death & Dismemberment

$25,000 principle sum

Each Patriot Multi-Trip plan offers a $25,000 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.

Lost Luggage

Up to $50 per item of luggage; maximum of $250

A benefit of $50 per luggage item 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.

OPTIONAL RIDERS -  Apply to all individuals listed on the Application Form

Adventure Sports Rider

(available to insureds up to age 65)

Age        Lifetime Maximum
0-49            $50,000
50-59         $30,000
60-64         $15,000

The Adventure Sports Rider is available on both Patriot Multi- Trip plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed on page four as long as they are engaged soley for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, mountaineering or rock climbing (to elevation 4500 meters from ground level), parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, scuba diving (to 50M), skydiving, snorkeling, snow skiing, snowboarding, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.  Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion page, exclusion 8.  Please note this is only a summary of Adventure Sports and exclusions.  For additional information, please refer to the Certificate of Insurance.