Patriot GoTravel America is a comprehensive coverage plan for non-US citizens traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
Coverage for sudden and unexpected recurrence of pre-existing conditions: For those under the age 65, Patriot GoTravel America will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those age 65 and older, Patriot GoTravel America will pay up to $2,500 lifetime maximum.
Prescription drugs are covered like any other eligible medical expenses.
Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent coverage.
Patriot GoTravel America provides coverage anywhere outside of your home country including travel time as well.
Patriot GoTravel America does NOT cover Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion, Loss Luggage, Dental etc. that Patriot America covers.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your annual deductible (varies from $0 to $2,500) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.
After that, within First Health PPO network, the plan pays 90% of the next $5,000 of covered expenses, you pay 10%. In other words, you will have to pay a maximum $500 out of your pocket towards 10% coinsurance. (You don't have to pay this 10% for expenses incurred outside the U.S. or Canada.)
Then, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.
Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the doctor next time, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your annual deductible. Out of the remaining $50 after your deductible, the plan pays 90% which is $45 and you pay 10% which is $5.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 90% for the first $5,000 of covered medical expenses, you continue to pay 10% (that is maximum $500).
After that, the insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible plus $500 (10% of first $5,000) and the insurance company will pay the rest.
Even if you extend your insurance after the initial 3 months, you don't have to pay the deductible again.