Patriot America Plus is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries. The coverage duration is available from 5 days to 365 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 of eligible medical expenses then 100% thereafter. Learn more about how Patriot America Plus works.
Patriot America Plus can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Please review Patriot America Plus Insurance plan brochure and description of coverage for complete and accurate coverage and exclusions.
Patriot America Plus
Comprehensive Coverage,
SiriusPoint Speciality Insurance Corporation
Learn more about 4 optional add-on benefits available on this plan.
How Patriot America Plus Works
Out of Network
After deductible, insurance pays 80% of first $5000
Then
Insurance pays 100% up to policy maximum
Key Travel Medical Insurance Benefits
Note: Benefit amounts shown are based on In-Network coverage and may vary. Please consult your specific policy documents for precise coverage limits.
Eligibility
- For non U.S residents traveling internationally, including the USA
- For U.S citizens living abroad and visiting the USA for a short trip
- Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
- Temporary coverage for green card holders visiting the USA for a short trip
- Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
How COVID-19 is Covered Under Patriot America Plus
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
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In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
Direct Billing: Through United Healthcare PPO Network
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
Direct Billing: Through United Healthcare PPO Network
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
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- Emergency Eye Exam Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Limited Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing: Through First Health PPO Network
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing: Through First Health PPO Network
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
- Pre-Existing Condition Coverage: Optional Pre-Existing Rider
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage: Optional Vision Rider
- Emergency Dental Coverage: Optional Dental Rider
- Prescriptions/Medication
- Influenza (flu) Vaccination
- Optional Adventure Sports Rider
- COVID-19 Coverage
Comprehensive Coverage
Underwriter: Sirius Specialty Insurance Corporation
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
Direct Billing: Through United Healthcare PPO Network
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
Direct Billing: Through United Healthcare PPO Network
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Quarantine Indemnity
- Influenza (flu) shot
- No Cancellation Fee
- No Extension Fee
- COVID-19 Coverage: Included
- COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
- Pre-Existing Conditions: No Coverage
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.