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Patriot International questions > 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,
If I purchase six months of insurance, do I have coverage for 30 days in the US?
If you purchase total 6 months of coverage, and indicate in the application that you would like 1 month of end of trip home country coverage, you will have coverage for 5 months outside US, and you will have coverage for 1 month at the end of those 5 months. Please let me know if you have any additional questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
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You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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