Patriot America Plus® Travel Insurance
Comprehensive medical coverage for international travelers. Protect yourself, your family, and your belongings while traveling abroad.
Why Choose Patriot America Plus® Travel Insurance?
Traveling abroad is exciting but unexpected illnesses and accidents can happen. Standard domestic medical plans often do not cover international emergencies. Patriot America Plus® provides temporary medical coverage for individuals, families, and groups traveling outside their home country.
Coverage Highlights:
- Individual & Group Plans Available
- Coverage begins immediately after purchase
- Extendable for up to 24 continuous months
Ideal for
Vacationers, relatives visiting from overseas, international business travelers
Coverage
Illness, injury, emergency medical benefits
Focus
Spend your trip enjoying the moment, not worrying about medical coverage
Get a quick estimate
Plan benefits & Coverage
1. Inpatient & Outpatient Services
Medical Coverage
- Physician visits & virtual/telemedicine consults
- Urgent care: $25 copay ($0 deductible exempt)
- Walk-in clinics: $15 copay ($0 deductible exempt)
- Hospital ER (U.S.): Injury no deductible; illness $250 per visit
- Hospital ER (Outside U.S.): Up to policy maximum
- Hospitalization / Room & Board: Semi-private room, including nursing
- Intensive Care: Up to maximum limit
- Bedside visit: $1,500 max
- Surgery, anesthesia, lab & diagnostics: Up to maximum limit
- Chemotherapy / Radiation: Up to maximum limit
- Physical therapy & chiropractic care: Up to maximum limit
2. Prescription & Pharmacy Benefits
Prescription Drugs & Pharmacy Discounts
- Covered up to policy maximum (90-day supply per prescription)
- Universal Rx Discount Card: Accepted at over 55,000 U.S. pharmacies
3. Emergency Assistance
Emergency Services
- Emergency medical evacuation: Up to $1,000,000
- Emergency local ambulance: Up to policy max
- Emergency reunion: $100,000
- Interfacility ambulance transfer: 100% covered
- Political evacuation & repatriation: $100,000
- Return of minor children: $100,000
- Return of mortal remains/cremation/burial: Up to max or $5,000 local burial
4. Additional Travel Benefits
Travel & Personal Benefits
- Lost luggage: $50 per item, $500 max
- Personal property: Reimbursement for lost, stolen, or damaged items (phones, cameras, documents)
- Accidental Death & Dismemberment: $50,000
- Common carrier AD&D: $25,000 per child, $100,000 per adult
- Pet return (≤30 lbs): $1,000 max
- Identity theft coverage: $500 max
- Dental treatment due to accident/pain: $300
- Emergency eye examination: $150 limit
- Hospital indemnity: $250 per night, max 10 nights
- Natural disaster lodging: $250 per day, max 5 days
- Terrorism coverage: $50,000
- Return travel: $10,000 max
5. Optional Coverage
Optional Riders
Adventure Sports Rider:
- Covers extreme sports (abseiling, BMX, bungee jumping, parachuting, paragliding, whitewater rafting < Class V, wildlife safaris, windsurfing, etc.)
- Age & Lifetime Maximum:
- 0-49: $50,000
- 50-59: $30,000
- 60-64: $15,000
- 0-49: $50,000
Cellular Phone Rider:
- Replacement/reimbursement for lost, stolen, or damaged phones
- Payment based on market value; may receive new or refurbished device
Enhanced AD&D Rider:
- Additional coverage up to $400,000 for primary insured (min. 3 months)
Telehealth Rider:
- 24/7 virtual consultations for non-emergency medical issues
Chaperone/Faculty Leader Replacement Rider:
- Reimburses round-trip economy airfare up to $3,000 if chaperone/faculty leader cannot travel
Available for group plans only
6. Acute Onset of Pre-Existing Conditions
Sudden Flare-Ups Coverage
- Covered for travelers under 70, up to policy maximum
- Definition: Sudden, unexpected flare-up requiring urgent medical care
- Exclusions: Chronic or gradually worsening conditions
- Treatment must be obtained within 24 hours
- Emergency Medical Evacuation limit: $25,000
How it Works?
Inside the U.S. (PPO Network)
You pay your deductible per year (even for doctor visits).
Plan pays 100% up to your policy maximum.
Outside the U.S. or Out-of-Network
90% coverage for the first $5,000, then 100% up to the policy maximum.
Example:
Policy Maximum: $50,000, Deductible: $250
- First doctor visit: $150 (you pay $150, $100 remaining toward deductible)
- Second visit: $150 (you pay $100, deductible satisfied; plan pays $50)
- Subsequent treatment: Plan covers 100% up to $50,000
Extension Rules
Extension is not a new policy prior coverage protects against pre-existing condition exclusions
Who Can Buy the Plan
Eligibility Restrictions
- U.S. Mailing Address: Maryland
- Physical presence at application: New York
- Home countries: Cuba, Iran, North Korea, Syria, Puerto Rico, American Samoa, Guam, Northern Mariana Islands, U.S. Minor Outlying Islands, Venezuela, Virgin Islands
Note: Restrictions apply only for purchase; coverage valid even if traveling to these areas
Start Your Coverage Today
How to Get Covered?
Testimonials
I was nervous about traveling to the U.S. for the first time, but this plan made me feel protected. When I visited urgent care, the copay was exactly what the policy stated. It saved me hundreds of dollars. This coverage is genuinely dependable.
Ayesha K.
My daughter fell ill during our vacation, and Patriot America Plus handled everything professionally. The hospital accepted the insurance immediately, and the claim was processed faster than I expected. For families traveling abroad, this plan is a must-have.
Miguel S.
I signed up for this plan before a two-month work trip. Thankfully I didn’t have any emergencies, but knowing I was covered for evacuation, lost luggage, and medical care helped me enjoy my travel without worrying. Great coverage at a fair price.
Rebecca L.
I purchased Patriot America Plus for my parents visiting from abroad, and it was the best decision I made. My mother needed an unexpected doctor visit, and the process was smooth and stress-free. The coverage worked exactly as promised — no surprise bills, no headaches. Highly recommended!