Patriot Platinum InternationalSM is a comprehensive coverage plan for U.S. citizens traveling outside the United States. 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.
Exception: Patriot Platinum InternationalSM covers up to $20,000 for a sudden recurrence of pre-existing conditions without primary health insurance in the home country for age below 65. With primary health insurance in the home country, it covers up to the chosen policy maximum for age below 65. However, for persons 65+ years of age, it covers maximum up to $2,500.
Prescription drugs are covered like any other eligible medical expenses.
Dental is covered only up to $250 for acute pain to sound and natural teeth.
Patriot Platinum InternationalSM provides coverage anywhere outside the United States including travel time as well. It also covers loss of checked luggage, valuables and personal papers.
How much is covered?
First, you will have to pay your annual deductible (varies from $0 to $25,000) 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 hospitalization. There is no concept of copay.
After that, the plan pays 100% up to the selected policy maximum, ranging from $100,000 to $8,000,000, depending upon your age.
Lets assume that you have purchased a $1,000,000 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.
On your second visit, you will have to pay $100 yourself. You have now completely satisfied your annual deductible. After that, the plan pays the remaining $50.
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 pay 100% for covered medical expenses, up to $1,000,000. If you incur any expenses beyond $1,000,000, 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, and the insurance company will pay the rest.
Even if you extend your insurance, you don't have to pay the deductible again.