Visitors Insurance Quote

Patriot Group Travel Plan

Patriot Group Travel coverage is designed for organizations who have a group of 5 or more US citizens or Non US Citizens traveling together, and to a destination that is not the home country of any of the traveling members. This plan provides the same benefits as the individual Patriot Travel Medical Insurance but with a 10% discounted rates for applying as a group. This plan offers 100% coverage after deductible if the treatment is received outside US & Canada and pays 90% In PPO of eligible expense up to US $5,000 and then 100% up to policy maximum after deductible is met if the treatment is received in USA & Canada. Coverage includes Emergency evacuation, repatriation, choice of deductibles & policy limits.

Comprehensive coverage

Includes Emergency Evacuation and Repatriation
Coverage period: 5 days to 2 years
100% coverage if the treatment is received outside US & Canada
In PPO 90% up to first $5,000 and 100% thereafter in USA

Available for all ages
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Foreign national visiting USA or US citizens traveling abroad
Group of 5 or more US citizens or Non US Citizens traveling together

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Benefits

PLAN INFORMATION
Plan Maximum	$50,000, $100,000, $500,000, $1,00,000, $2,000,000
Deductible	Your choice of $0, $100, $250, $500, $1,000 or $2,500
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.
Coinsurance	As described below
For treatment received outside the U.S. & Canada: No coinsurance: [100% up to the Policy Maximum] 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 Policy Maximum Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum
Sudden Recurrence of a Pre-existing Condition
(Non U.S. citizens only) For those under age 65, the Plan will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those ages 65 and older, the Plan will pay up to $2,500 lifetime maximum. (U.S. citizens only) For those up to age 65 with a primary health the plan will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on page 16) up to the plan maximum. For those without a primary health plan, the plan will pay up to a $20,000 lifetime maximum. For those ages 65 and older, with or without a primary health plan, Plan 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 Plan, and the Pre-existing Condition must be covered under the primary health plan. In addition, up to $25,000 will be paid 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.
Benefit Period	Six months
If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the twelve-month Benefit Period may provide continued coverage. 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 will continue subject to the Policy Limits and the other terms of the plan until there have been twelve months of continuous coverage for the covered injury or illness.
SCHEDULE OF BENEFITS (all amounts listed are in U.S. dollars)
MEDICAL BENEFITS
Hospital Room and Board	Up to Policy Maximum for average semi-private room rate
Intensive Care	Up to Policy Maximum
Medical Expenses	Up to Policy Maximum
Outpatient Medical	Up to Policy Maximum
Local Ambulance	Up to Policy Maximum
Prescription Drugs	Up to Policy Maximum
Emergency Room Accident	Up to Policy Maximum
Emergency Room Illness with In-patient Admission	Up to Policy Maximum
Emergency Room Illness without In-patient Admission	Up to the Maximum Limit with additional $250 deductible
Dental - Injury Due to Accident	Up to the Maximum Limit
Dental - Sudden Dental Emergency	Up to $100
Hospital Daily Indemnity	Up to $100 per night up to a maximum of 10 days
Charges incurred for the use of the Emergency Room due to an accident are covered up to the Policy Maximum. 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 admittance to the hospital.
INTERNATIONAL EMERGENCY CARE (when coordinated through the Plan Administrator)
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 will pay up to a $100,000 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: 1.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 2.The evacuation order pertains to persons from the same Home Country as the Insured Person; and 3.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.
Emergency Evacuation	Up to $500,000 lifetime maximum (independent of policy maximum)
The Patriot Group 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, up to a $500,000 lifetime maximum (inde¬pendent of the Maximum Limit).
Emergency Reunion	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 $100,000.
Return of Mortal Remains Or Cremation/Burial	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; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.
Returning Minor Children	Up to $50,000
If a covered illness/injury results in a hospitalization and/or death of an insured person, and he/she is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Group plans will pay up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in life-threatening medical situations, and approved in advance and coordinated by IMG
End of Trip Home Country Coverage
For every five 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 maxi¬mum of two months. To purchase this special home country exten¬sion coverage, please calculate your premium
Trip Interruption
If, during a covered trip, there is a 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 will pay to return the insured to the area of principal residence. The plan will pay 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.
Hospital Daily Idemnity
Each plan pays $100 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit. This benefit is not available for Patriot America Group (non-U.S. citizens) if the hospitalization is due to the Sudden Recurrence of a Pre-existing Condition. To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.
ADDITIONAL BENEFITS
Home Country Coverage	As described below
Incidental Home Country Coverage - 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 - For every five 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 two 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 $5,000
If, during a covered trip, there is a 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 Group plan will pay to return the insured to the area of principal residence. The plan will pay 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.
Lost Luggage	Up to $50 per item of personal property; maximum of $250 ` per Period of Coverage
This benefit will be paid in the event that the Common Carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the Carrier's.
Common Carrier Accidental Death	$50,000 to Beneficiary; maximum of $250,000 per family of group<
If accidental death should occur while traveling on a commercial Common Carrier, $100,000 per adult and $25,000 per child will be paid to the designated beneficiary, to a maximum of $250,000 per family.
Natural Disaster	$100 per day for five days
This benefit is available in the event an insured person is required depart his/her destination due to an evacuation order issued prevailing authorities in connection with a Natural Disaster. Natural Disaster is defined as widespread disruption of human lives disasters such as flood, drought, tidal wave, fire, hurricane, earthquake, windstorm, or other storm, landslide, or other natural catastrophe event resulting in migration of the population for its safety.
Sports and Activities Coverage
Each Patriot Group plan covers injuries incurred during amateur athletic activities which are 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, scuba diving (to 10m), snorkeling, wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded unless the Adventure Sports Rider is purchased: abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. To be covered under the Adventure Sports Rider, these adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes. Injury sustained while participating in contact sports of any kind, racing of any kind, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, rodeo activity, ski jumping, whitewater rafting exceeding Class V difficulty, scuba below 50 meters; and/or adventure sports not expressly covered hereunder are excluded regardless of which plan or rider is selected.
Accidental Death & Dismemberment	$25,000 principal sum
Each Patriot Group plan includes $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.
Citizenship Return Rider
When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected. For premium information, please see the back of the Application Form.
Description of Optional Riders<
Adventure Sports Rider
The Adventure Sports Rider is available on both Patriot Group plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed on page four: abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.
Chaperone/Faculty Leader Replacement Rider
In the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, Patriot Group covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. For premium information, please see the Application Form.
Citizenship Return Rider
When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected. For premium information, please see the back of the Application Form.

Rates - Patriot International Group Travel [U.S. citizens traveling abroad]

The following rates are on base of $250 deductible in all the policy maximum options

Options : Other lower and Higher deductible options available as following to improve the deductible or reduced the cost. please use this rate factors.

Deductible	Rate Factors.	Deductible	Rate Factors.
US $ Zero	1.25	US $500	.90
US $100	1.10	US $1,000	.80
US $250	1.00	US $2,500	.70
Patriot International Group Travel
provides coverage for U.S. citizens traveling abroad for a minimum of five days up to a maximum of two years. All premium rates are in U.S. dollars. Rates include surplus lines tax where applicable. A dependent child is a child shown on the Application Form over 14 days and under 18 years of age, traveling with the group as a dependent of a group member, and for whom premium has been paid.
On-line applications will receive - discounted rates

Get Quote & Apply Online

POLICY LIMIT	Option 5 $50,000	Option 6 $100,000	Option 7 $500,000	Option 8 $1,000,000	Option 9 $2,000,000
AGE	Monthly Rates
18-29	$21.00	$25.00	$30.00	$34.00	$44.00
30-39	$25.00	$30.00	$40.00	$46.00	$59.00
40-49	$45.00	$49.00	$55.00	$61.00	$80.00
50-59	$73.00	$83.00	$93.00	$97.00	$124.00
60-64	$88.00	$104.00	$124.00	$146.00	$162.00
65-69	$104.00	$114.00	$142.00	$153.00	$197.00
70-79	$153.00	N/A	N/A	N/A	N/A
80+*	$306.00	N/A	N/A	N/A	N/A
DEP. CHILD	$19.00	$23.00	$27.00	$30.00	$33.00
CHILD ALONE	$21.00	$25.00	$30.00	$34.00	$42.00
Daily Rates (Minimum length of coverage is 5 days)

POLICY LIMIT	Option 5 $50,000	Option 6 $100,000	Option 7 $500,000	Option 8 $1,000,000	Option 9 $2,000,000
AGE	Daily Rates (Minimum length of coverage is 5 days)
18-29	$0.72	$0.86	$0.99	$1.17	$1.49
30-39	$0.86	$0.99	$1.35	$1.53	$1.98
40-49	$1.53	$1.62	$1.85	$2.07	$2.70
50-59	$2.43	$2.79	$3.11	$3.24	$4.14
60-64	$2.93	$3.51	$4.14	$4.86	$5.45
65-69	$3.51	$3.74	$4.32	$5.13	$6.57
70-79	$5.13	N/A	N/A	N/A	N/A
80+*	$10.22	N/A	N/A	N/A	N/A
DEP. CHILD	$0.63	$0.77	$0.90	$0.99	$1.13
CHILD ALONE	$0.72	$0.86	$0.99	$1.17	$1.44
Daily Rates (Minimum length of coverage is 5 days)

Rates - Patriot International Group Travel [Non-US citizens traveling USA or abroad]

The following rates are on base of $250 deductible in all the policy maximum options

Options : Other lower and Higher deductible options available as following to improve the deductible or reduced the cost. please use this rate factors.

Deductible	Rate Factors.	Deductible	Rate Factors.
US $ Zero	1.25	US $500	.90
US $100	1.10	US $1,000	.80
US $250	1.00	US $2,500	.70
Patriot America Group Travel
provides coverage for non-US citizens traveling abroad for a minimum of five days up to a maximum of two years. All premium rates are in U.S. dollars. Rates include surplus lines tax where applicable. A dependent child is a child shown on the Application Form over 14 days and under 18 years of age, traveling with the group as a dependent of a group member, and for whom premium has been paid.
On-line applications will receive - discounted rates

Get Quote & Apply Online

POLICY LIMIT	Option 1 $50,000	Option 2 $100,000	Option 3 $500,000	Option 4 $1,000,000
AGE	Monthly Rates
18-29	$33.00	$41.00	$53.00	$64.00
30-39	$44.00	$56.00	$63.00	$82.00
40-49	$67.00	$81.00	$107.00	$120.00
50-59	$97.00	$124.00	$152.00	$175.00
60-64	$122.00	$157.00	$186.00	$223.00
65-69	$139.00	$187.00	$203.00	$243.00
70-79	$187.00	N/A	N/A	N/A
80+*	$326.00	N/A	N/A	N/A
DEP. CHILD	$30.00	$37.00	$48.00	$53.00
CHILD ALONE	$33.00	$41.00	$53.00	$59.00
Daily Rates (Minimum length of coverage is 5 days)

POLICY LIMIT	Option 1 $50,000	Option 2 $100,000	Option 3 $500,000	Option 4 $1,000,000
AGE	Daily Rates (Minimum length of coverage is 5 days)
18-29	$1.15	$1.40	$1.80	$2.15
30-39	$1.50	$1.90	$2.35	$2.75
40-49	$2.25	$2.70	$3.60	$4.00
50-59	$3.25	$4.15	$5.10	$5.85
60-64	$4.65	$5.25	$6.25	$7.50
65-69	$4.65	$6.30	$6.80	$8.10
70-79	$6.25	N/A	N/A	N/A
80+*	$10.90	N/A	N/A	N/A
DEP. CHILD	$1.05	$1.25	$1.60	$1.80
CHILD ALONE	$1.15	$1.40	$1.80	$2.00
$10,000 Maximum

Quality Guarantee

The group's satisfaction is very important to IMG and the plan underwriter. If the sponsoring organization or group is not pleased with this product for any reason, a written request,prior to the effective date, for cancellation and refund of the premium. If the group does not have any claims filed with IMG, you may cancel your plan after your effective date, however, the following conditions will apply: 1) you will be required to pay a $50 cancellation fee and 2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is non-refundable.

Precertification, Emergency Evacuation and Repatriation

For precertification, emergency evacuation and repatriation, please call: IMG in the US: 1-800-628-4664 (toll free) or 1-317- 655-4500. Call IMG outside the US: 001-317-655-4500 (collect if necessary). This information will also be provided on your ID card.

IMG must be notified prior to treatment or within 48 hours of an emergency.

To Report Claims

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 317- 655-4505 or e-mail: insurance@imglobal.com.

General Exclusions
DESCRIPTION OF OPTIONAL RIDERS

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot Group plans.
1. A Pre-existing Condition which is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condi¬tion, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously mani¬fested or known, diagnosed, treated, or disclosed.
2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
3. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person's date of arrival in the Host Country.
4. Immunizations and routine physical exams.
5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
8. Any illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee. The following Adventure Sports are excluded unless the Adventure Sports Rider is purchased: abseiling, BMX, bobsledding, bungee jumping, can¬yoning, caving, hang gliding, heli-skiing, high diving, hot air bal¬looning, inline skating (with proper use of helmet and pads), jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snowboarding, snowmobiling, snow skiing, spelunking, surf¬ing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accor¬dance wit the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.
  
  Injury sustained while participating in contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboard¬ing, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty; and/or adventure sports activity not expressly covered hereunder are excluded regardless of which plan or rider is selected.
9. Vision or ear tests and the provision of visual or hearing aids.
10. Vocational, recreational, speech or music therapy.
11. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
15. Willful self-inflicted injury or illness.
16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
18. Treatment for mental and nervous disorders.
19. Organ or tissue transplants or related services.
20. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.
21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
22. Any infection of the urinary tract (or Illness arising there from), that occurs within ninety (90) days of the Effective Date of coverage and that requires Treatment of the Insured Person in a Hospital; provided that any such Illness will be deemed by the Company to be a Pre-existing Condition. See "Sudden and Unexpected Recurrence of a Pre-existing Condition," on brochure page 11.
This web page only a brief summary of current Patriot Group Travel Medical Insurance benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. The Patriot Group Travel Medical Insurance plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this appli¬cation and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Please note that it is solely your responsibility to determine if PPACA is applicable to you.
U.S.A Nationwide PPO Network

Click here to ACCESS THE PPO DIRECTORY

You may seek treatment under Patriot Travel Medical Insurance Plan worldwide, including in the United States , with the hospital or doctor of your choice. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization (PPO) contracted by IMG, a separately organized network (First Health Group) of approximately 500,000 physicians and 4,700 privately owned and operated hospitals. * This PPO network includes a large number of hospitals including some of the most well recognized university medical centers and transplant facilities.

Using this provider network could significantly reduce your out-of-pocket expenses.

PRECERTIFICATION: Each proposed hospital admission, inpatient or outpatient surgery, and certain other medical procedures must be Pre-certified for medical necessity. This means the insured person or their attending physician must call the number listed on the IMG identification card prior to admittance to a hospital or performance of a surgery, or medical procedure. In the case of an emergency hospital admission, the Pre-certification call must be made within 48 hours of the admission, or as soon as reasonably possible. For a complete list of procedures requiring Pre-certification, please refer to your certificate wording. If Pre-certification guidelines are not followed, eligible claims and expenses will be reduced by 50%.
International Provider Access [Outside U.S.A]