| To Policy Maximum when coordinated
through the Plan Administrator |
| Each Patriot Travel Medical Insurance®
plan includes coverage for Emergency Medical Evacuations to the
nearest qualified medical facility; 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
the Plan Administrator |
| Each Patriot® 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
the Plan Administrator |
| If a covered illness/injury results in
death, expenses for Repatriation of bodily remains or ashes to
the country of residence will be covered up to a maximum of US$25,000. |
| To US$5,000 when coordinated through
the Plan Administrator |
| 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 Patriot
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
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 2 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). |
| 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, each Patriot 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 or personal property;
maximum of US$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. |
| US$50,000 to Beneficiary; maximum
of US$250,000 per family |
| If accidental death should occur while
traveling on a commercial Common Carrier, US$50,000 will be paid
to the designated beneficiary to a maximum of US$250,000 per family |
| |
| 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 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 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: racing of any
kind, aviation (except when traveling as a passenger in a commercial
aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning,
caving, high diving, hang gliding, heli-skiing, hot air ballooning,
inline skating, jet skiing, kayaking, luge, motocross (moto-x),
mountain biking, mountaineering, parachuting, rappelling, rock
climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing,
snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding,
water skiing, windsurfing and whitewater rafting.
Optional Sports Rider: This rider adds
coverage for jet skiing, snow skiing, snowboarding, snowmobiling,
snorkeling, surfing, wakeboarding, water skiing and windsurfing.
For more sports coverage, please review IMG's Patriot Extreme®
plan. |
| US$25,000 principal sum |
| Each Patriot 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
in the Patriot Travel
Medical Insurance brochure. |
| |
| Your choice of US$100, $250, $500,
$1,000 or $2,500 |
| On the Application Form, you will be asked
to choose a deductible. Your premium rate is dependent on the deductible
you choose. |
| As described below |
| For treatment received
outside the US & Canada: No coinsurance
For treatment received 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 six-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 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 have been six months of continuous
coverage for the covered injury or illness. |
| |
| Up to US$15,000 will be paid for the eligible
expenses of a sudden and unexpected recurrence of a Pre-existing
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 in the
Patriot Travel Medical brochure. |
| Patriot International will pay up to $100
for the necessary treatment of sudden, unexpected pain to sound
natural teeth. |
| Patriot International will pay directly to
the insured person US$100 for each night of a required overnight
stay in a hospital. However, 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 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. |
| |
| This web page contains only a consolidated and summary
description of all current Patriot 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. IMG reserves the right
to issue the most current Policy Wording for this insurance plan
in the event this application and/or brochure has expired, is modified,
or is replaced with a newer version. Current Policy Wordings are
available upon request. |
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