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Question:

Does Patriot America Plus covers expenses from local hospital visit due to flight restriction? Here's my situation: my return flight is cancelled due to covid-19, and I discovered some lump that I need to check at local hospital (potentially requires surgery). Is my travel insurance going to cover the cost? Also, due to covid-19, I can't find a way back to my normal health provider as there's no flight available. Plus the additional flight I booked are most likely going to be cancelled.

Answer:

Patriot America Plus will cover any new medical conditions injuries, accidents or sicknesses that occur after the effective date of the policy. It will not cover pre-existing conditions. 

It can only be determined after the fact when the medical providers send the treatment records including attending physician statement. They can't be determined in advance. 


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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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