Overview
Patriot International Lite is a comprehensive coverage plan for travel outside the United States. You can obtain an instant quote and/or purchase online on this website. The insurance coverage can start as early as the next day or any future date you specify. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email.
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 International Lite covers up to the policy maximum (or the lesser of $1,000,000) for an acute onset of a pre-existing condition for non-US citizens under the age of 70. Acute onset covered up to the policy maximum for US citizens under the age of 65 with a primary health plan; ages 65-69 are limited to $2,500. If a U.S. citizen under 65 does not have a primary health plan, the plan will provide coverage for the acute onset of a pre-existing condition up to $20,000.
Prescription drugs are covered up to the lower amount of either the policy maximum or $250,000.
Dental is covered only up to $300 for acute pain to sound and natural teeth and up to the policy maximum for treatment needed due to an accident.
Patriot International Lite provides coverage anywhere outside the United States including travel time as well. It also covers loss of checked luggage.
How much is covered?
First, you will have to pay your deductible per certificate period (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 hospitalization. There is no concept of copay.
After that, the plan pays 100% up to the selected policy maximum, ranging from $10,000 to $1,000,000, depending upon your age.
Example:
Lets 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.
On second visit, you will have to pay $100 yourself. You have now completely satisfied your deductible per certificate period. 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 $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, and the insurance company will pay the rest.
Even if you extend your insurance, you don't have to pay the deductible again.
Benefits Updated: 05/01/2024