narendra
08-07-2007, 11:25 PM
> I am interested in purchasing your Patriot International Travel medical
> insurance. I have a few questions which hopefully you can help me with:
>
> I was recently traveling abroad, when I awoke one morning to have heart
> pains. I am in my mid-20's but was still concerned. I went to the hospital
> to get it checked out. After several tests, it turned out that there was no
> problem. In this situation, would the costs of going to the hospital be
> covered by your travel insurance? Yes, these charges would be considered .
>
> My second question is in regards to the optional one month stay option for
> your home country. I am a US citizen, and so I would want to get this
> insurance just in case I need to go back in the middle of my trip. For the
> 30 days, can I go in and out of the US on separate trips or does it need to
> be one continuous stay? and if I should overstay in the US by one day, is
> my insurance cancelled?
Incidental home country coverage need not be continuous. And it can be maximum 2 weeks cumulative, and not 30 days.
If you overstay, there won't be any coverage in US for that period.
>
> My third question is if I get the extreme sports rider will this also cover
> leisure sports?
> No, you would need to purchase both riders.
> Lastly, what is the difference between the incidental home country coverage
> and the end of trip home country coverage?
> Incidental home coverage provides up to 14 days of coverage during a trip where as home country coverage is intended to provide up to 2 months of coverage after the trip has been completed.
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).
> thank you for the assistance,
> insurance. I have a few questions which hopefully you can help me with:
>
> I was recently traveling abroad, when I awoke one morning to have heart
> pains. I am in my mid-20's but was still concerned. I went to the hospital
> to get it checked out. After several tests, it turned out that there was no
> problem. In this situation, would the costs of going to the hospital be
> covered by your travel insurance? Yes, these charges would be considered .
>
> My second question is in regards to the optional one month stay option for
> your home country. I am a US citizen, and so I would want to get this
> insurance just in case I need to go back in the middle of my trip. For the
> 30 days, can I go in and out of the US on separate trips or does it need to
> be one continuous stay? and if I should overstay in the US by one day, is
> my insurance cancelled?
Incidental home country coverage need not be continuous. And it can be maximum 2 weeks cumulative, and not 30 days.
If you overstay, there won't be any coverage in US for that period.
>
> My third question is if I get the extreme sports rider will this also cover
> leisure sports?
> No, you would need to purchase both riders.
> Lastly, what is the difference between the incidental home country coverage
> and the end of trip home country coverage?
> Incidental home coverage provides up to 14 days of coverage during a trip where as home country coverage is intended to provide up to 2 months of coverage after the trip has been completed.
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).
> thank you for the assistance,