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(866) INSUBUY 467-8289 Mon-Fri: 8 AM - 9 PM CST Sat-Sun: 8 AM - 5 PM CST

Acute Onset of Pre-Existing Conditions Coverage in Patriot Travel Insurance

Applicable to Patriot Platinum America and Patriot GoTravel America

Subject to the Terms of this insurance, including without limitation the Exclusions section, the Conditions and Restrictions set forth below and the applicable Deductible and Coinsurance and other limits and sub-limits as specified in the Schedule of Benefits/Limits, in the event the Insured Person suffers or experiences an Unexpected reoccurrence of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed as follows:

  • For Insured Persons up to age 65: Up to $50,000 Lifetime Maximum
  • For Insured Persons age 65 and older: Up to $2,500 Lifetime Maximum

Conditions and Restrictions

To be eligible for the foregoing limited coverage and benefits for an Unexpected reoccurrence of a Pre-existing Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Unexpected reoccurrence of the Pre-existing Condition:

  1. The Insured Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider; and
  2. The Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition; and
  3. The Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended; and
  4. The Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment; and
  5. A Pre-existing Condition that is a Chronic or Congenital Condition, or that gradually becomes worse over time will not be considered a Sudden Reoccurrence.

Exclusion

Any infection of the urinary tract (or illness arising therefrom), that occurs within ninety (90) days of the Effective Date of coverage and that requires Treatment of the Insured Person in a Hospital; provided that any such illness will be deemed by the Company to be a Pre-existing Condition.

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Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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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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