Patriot GoTravel Insurance

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  • This insurance plan is a popular visitor health insurance coverage for US and Non US citizens traveling outside their home country.
  • This plan best suits the short term health insurance needs of visiting family members such as parents, in-laws... and tourists vacationing in America.
  • Patriot GoTravel Insurance offers pre-existing condition coverage for US Citizens.
Age
Start Date
End Date
Coverage
Citizenship
 

Patriot GoTravel Benefits

  • Policy Maximum: Maximum medical coverage is $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (For travelers of 80 years and above - $10,000 Maximum coverage).
  • Deductible: $0, $100, $250, $500, $1,000 or $2,500 per period of coverage.
  • Co-insurance:
    • For treatment received outside the US and Canada: No coinsurance.
    • For treatment received within the US and Canada::
      • In the PPO Network: Plan pays 90% of eligible expenses up to $5,000 then 100% up to the policy maximum.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the policy maximum.
  • Eligibility:
    • US citizens traveling outside the US
    • Non US citizens traveling outside their home country
    • For visitors under 65 years of age and visiting US the initial period of coverage must begin within 6 months of arrival in US
    • For visitors over 65, initial period of coverage must be within 30 days of arrival in US, unless proof of previous valid international coverage is provided.
  • Coverage:
    • Home country coverage: Up to a cumulative two weeks
    • Trip interruption: Up to $5,000
    • Lost luggage: Up to $50,000 lifetime maximum
    • Accidental death and dismemberment: $25,000 principal sum
    • Common carrier accidental death: $50,000 to Beneficiary
  •  Pre-Existing Coverage:
    • For US Citizens:
      Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
      • Up to age 65 with primary health plan - usual, reasonable and customary charges up to plan maximum;
      • Up to age 65 without primary health plan - $20,000 lifetime maximum ;
      • 65 years and above with or without primary health plan - $2,500 lifetime maximum
  • Optional Riders:
    • Adventure sports rider: Available to insured up to 65 years. $50,000 (0-49 years); $30,000 (50-59 years); $15,000 (60-64 years)
    • Enhanced AD&D rider: Available to primary insured only. Up to an additional $400,000
    • Citizenship return rider: Up to policy maximum
  • Benefit Period: Six months.
  • Plan Life: 10 days to 2 years.
  • Underwriter: Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Go Travel Insurance

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