| To Policy Maximum when coordinated
through IMG |
| Each Patriot Group Travel Medical Insurance
plan includes coverage for Emergency Medical Evacuations to the
nearest qualified medical facility or the country of residence
(as determined by IMG); expenses for reasonable travel and accommodations
resulting from the evacuation; and the cost of returning to either
the country of residence or the country where the evacuation occurred,
up to the policy limit. |
| To US$15,000 when coordinated through
IMG |
| Each Patriot Group plan also provides emergency
reunion coverage, up to US$15,000 for a maximum of 15 days, for
the reasonable travel and lodging expenses of a relative or friend
during an Emergency Medical Evacuation: either the cost of accompanying
the insured during the evacuation or traveling from the country
of residence to be reunited with the insured. |
| To US$25,000 when coordinated through
IMG |
| If a covered illness/injury results in
death, expenses for Repatriation of bodily remains or ashes to
the country of citizenship will be covered up to a maximum of
US$25,000. |
| To US$5,000 when coordinated through
IMG |
| If an insured person is hospitalized
due to a covered illness/injury and is traveling alone with child(ren)
19 or under that otherwise would be left unattended, the PatriotSM
plans will pay up to US$5,000 for one way economy fare to their
home country, including a chaperone, if necessary, for the safety
of the child(ren). |
| |
| As described below |
Incidental Home Country Coverage
- During the Period of Coverage an insured person may return to
their country of residence for incidental visits up to a cumulative
two weeks total, subject to: a. The insured person must have left
their country of residence, b. The total Period of Coverage must
be for a minimum of 30 days, and c. The return to the country of
residence may not be taken to receive treatment for an illness or
injury incurred while traveling.
End of Trip Home
Country Coverage - For every six months of coverage you
purchase, you can purchase one additional month of home country
coverage up to a maximum of two months. |
| To US$5,000 |
| If, during a covered trip, there is a death
of an immediate family member (spouse, child, parent or sibling)
or the substantial destruction of the insured’s principal residence,
the 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. |
| To US$50 per item; maximum of US$250
|
| 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. |
| US$50,000 to Beneficiary; maximum
of US$250,000 per family of Group |
| If accidental death should occur while
traveling on a commercial Common Carrier, US$50,000 will be paid
to the beneficiary to a maximum of US$250,000 per family of Group. |
| |
| Usual reasonable
and customary charges,subject to deductible and coinsurance |
| To Policy Maximum for average semi-private
room rate |
| |
| To Policy Maximum |
| |
| To Policy Maximum |
| |
| To Policy Maximum |
| |
| To Policy Maximum |
| |
| To Policy Maximum |
| Each Patriot Group plan covers the cost of
emergency dental treatment and dental procedures necessary to restore
sound natural teeth lost or damaged in an accident. |
| To Policy Maximum for basic sports
Coverage as described below |
| Each Patriot Group plan covers injuries incurred
during amateur athletic activities which are non-contact and engaged
in by an insured person solely for leisure, recreation, entertainment
or fitness purposes. 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,
but may be added by the Optional Sports Rider: Scuba
diving, mountain climbing (up to 4500 meters or where ropes or guides
are normally used), jet, snow and water skiing and snowboarding,
sky diving, amateur racing, piloting an aircraft, bungee jumping
and spelunking. |
| US$25,000 principal sum |
| Each Patriot Group plan includes US$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. For more information see the Conditions of Coverage
section of the Patriot Group Travel Medical Insurance brochure.
For beneficiary information see the Beneficiaries section of the
Patriot Group Travel Medical Insurance brochure. |
| |
| Your choice of US$100, $250, $500,
$1,000 or $2,500 |
| |
| As described below |
| For treatment received outside the
US & Canada: No coinsurance
For treatment receivd within the US & Canada: The
plan pays 80% of eligible expenses up to US$5,000 then 100% up
to the Policy Maximum. |
| Six months |
| If a covered injury or illness requires continuing
treatment after the period of coverage expires, the Benefit Period
may provide continued coverage. When the period of coverage expires,
IMG will review the date of initial treatment for the covered injury
or illness. If treatment began less than six 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 has been six months of continuous coverage.
The Benefit Period serves as an extension of benefits and does not
limit the treatment time during the period of coverage. |
| |
| Up to US$5,000 will be paid for the eligible
expenses of a sudden and unexpected recurrence of a Preexisting
Condition while traveling outside of the US. In addition, up to
US$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. For the definition
of a Pre-existing Condition, please see Exclusion number 1 on panel
10 in the Patriot Group Travel Medical Insurance brochure. |
| Patriot International will pay up to US$100
for the necessary treatment of sudden, unexpected pain to sound
natural teeth. |
| Patriot International will pay directly to
the group member US$100 for each night of a required overnight stay
in a hospital. The hospital stay must be covered under this plan
in order to receive this benefit. |
| |
| The above outline is only a consolidated
and summary description of all current Patriot Group Travel Medical
Insurance benefits, conditions, limitations and exclusions. A certificate
containing the complete Policy Wording with all terms, conditions
and exclusions will be included with the fulfillment kit. |
