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COMPLETE BROCHURE & RATES
FOR
 atriot  roup
Travel Medical InsuranceSM
Underwritten
by SIRIUS International Insurance Corp.
Worldwide Medical Coverage for Groups of U.S.
Citizens and
Non-U.S. Citizens of 5 or More Traveling Outside Their Country of Citizenship
 Rates &
Application at the bottom of this page.
Please read the Benefits & Exclusions of this plan carefully before submitting your application.
Click here for Instant Quotes for Patriot Group Travel
 Patriot Group Travel Medical Insurance is
designed for organizations who:
 have a group of
5 or more that will be traveling together, and
are traveling
to a destination that is not the home country of any of the traveling members.
| MEDICAL BENEFITS |
Usual, reasonable and customary charges,
subject to deductible
and coinsurance |
| Hospital Room and Board |
To Policy Maximum for average semi-private room rate |
| Intensive Care |
To Policy Maximum |
| Medical Expenses |
To Policy Maximum |
| Outpatient Medical |
To Policy Maximum |
| Local Ambulance |
To Policy Maximum |
| Emergency Room |
As described below |
Charges incurred for the use of the Emergency Room due to an
accident are covered up to the Policy Maximum.
Charges incurred for the use of the Emergency Room for treatment of an illness are subject
to an additional (extra) US$250 deductible if treatment does not require admittance to the
hospital. |
| Dental |
As described below |
Injury due to an accident: Each Patriot
Group plan covers the cost of emergency dental treatment and dental procedures necessary
to restore sound natural teeth lost or damaged in an accident up to the Policy Maximum.
Sudden dental pain: Each plan will pay up to US$100 for the necessary
treatment of sudden, unexpected pain to sound natural teeth. |
INTERNATIONAL
EMERGENCY CARE |
| Emergency Evacuation |
To Policy Maximum when coordinated through the Plan
Administrator |
| Each Patriot Group plan includes coverage for Emergency
Medical Evacuations to the nearest qualified medical facility; expenses for reasonable
travel and accommodations resulting from the evacuation; and the cost of returning to
either the home country or the country where the evacuation occurred, up to the policy
limit. |
| Emergency Reunion |
To US$15,000 when coordinated through the Plan
Administrator |
| Each Patriot Group plan also provides emergency reunion
coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging
expenses of a relative or friend during an Emergency Medical Evacuation: either the cost
of accompanying the insured during the evacuation or traveling from the home country to be
reunited with the insured. |
| Return of Mortal Remains |
To US$25,000 when coordinated through the Plan
Administrator |
| If a covered illness/injury results in death, expenses for
Repatriation of bodily remains or ashes to the home country will be covered up to a
maximum of US$25,000. |
| Returning Minor Children |
To US$5,000 when coordinated through the Plan
Administrator |
| If an insured person is hospitalized due to a covered
illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be
left unattended, the Patriot Group plans will pay up to US$5,000 for one way economy fare
to their home country, including a chaperone, if necessary, for the safety of the
child(ren). |
PLAN INFORMATION |
| Deductible |
Your choice of US$0, $100, $250, $500, $1,000 or $2,500 |
| On the Application Form, you will be asked to circle your
choice of a deductible. Your premium rate is dependent on the deductible you choose.
Please see the Application Form for more information. |
|
| Coinsurance |
As described below |
For treatment received outside the US & Canada:
No coinsurance
For treatment received within the US & Canada: The plan pays 80% of
eligible expenses up to US$5,000, then 100% up to the Policy Maximum |
| Benefit Period |
Six months |
| If a covered injury or illness requires continuing treatment
after the Period of Coverage expires, the six-month Benefit Period may provide continued
coverage. When the certificate expires, the Company will review the date of initial
treatment for the covered injury or illness. If treatment began less than six months
before the Period of Coverage expired, benefits for the covered injury or illness will
continue subject to the Policy Limits and the other terms of the plan until there have
been six months of continuous coverage for the covered injury or illness. |
SPECIAL COVERAGES |
| Home Country Coverage |
As described below |
Incidental Home Country Coverage - During
the Period of Coverage an insured person may return to their home country for incidental
visits up to a cumulative two weeks total, subject to: a. The insured person must have
left their home country, b. The total Period of Coverage must be for a minimum of 30 days,
and c. The return to the home country may not be taken to receive treatment for an illness
or injury incurred while traveling.
End of Trip Home Country Coverage - For every five months of continuous
coverage you purchase, you can purchase one additional month of home country coverage as
an accommodation and supplemental travel benefit, up to a maximum of two months. To
purchase this special home country extension coverage, please check the appropriate box on
the Application Form, and calculate your premium to include the additional month(s). |
| Trip Interruption |
To US$5,000 |
| If, during a covered trip, there is a death of an immediate
family member (spouse, child, parent or sibling) or the substantial destruction of the
insured’s principal residence, each Patriot Group plan will pay to return the insured
to the area of principal residence. The plan will pay for a one way air or ground
transportation ticket of the same class as the unused travel ticket, less the value of the
unused return ticket. |
| Lost Luggage |
To US$50 per item of personal property; maximum of US$250
per Period of Coverage |
| This benefit will be paid in the event that the Common
Carrier permanently loses an insured person’s checked luggage. This coverage is
secondary to any other available coverage, including the Carrier’s. |
| Common Carrier Accidental Death |
US$50,000 to Beneficiary; maximum of US$250,000 per family
of group |
| If accidental death should occur while traveling on a
commercial Common Carrier, US$50,000 will be paid to the designated beneficiary, to a
maximum of US$250,000 per family of group. |
| Sports & Activities Coverage |
To Policy Maximum for basic sports as described below |
Each Patriot Group plan covers injuries incurred during
amateur athletic activities which are non-contact and engaged in by the insured person
solely for leisure, recreation, entertainment or fitness purposes. However, activities not
covered include amateur or professional sports or other athletic activity which is
organized and/or sanctioned, or which involves regular or scheduled practices, games or
competition.
The following hazardous activities are excluded: racing of any kind, aviation (except when
traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee
jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning,
inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking,
mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping,
sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing,
wakeboarding, water skiing, windsurfing and whitewater rafting.
Optional Leisure or Extreme Sports Riders: Please see the brochure for more
information. |
| Accidental Death & Dismemberment |
US$25,000 principal sum |
| Each Patriot Group plan includes US$25,000 principal sum
benefit for Accidental Death and Dismemberment occurring during the Period of Coverage:
• Accidental Loss of life - principal sum; • Accidental Loss of two Members -
principal sum; • Accidental Loss of one Member - 50% of principal sum. “Member”
means hand, foot or eye. For more information, see the Conditions of Coverage section on
page 14 of the Patriot Group brochure. |
Additional Benefits for U.S.
Citizens |
| Sudden Recurrence of a Pre-existing Condition |
| Up to US$15,000 will be paid for the eligible expenses of a
sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of
the US. In addition, up to US$25,000 will be paid for the eligible costs and expenses of
an Emergency Medical Evacuation arising or resulting from a sudden and unexpected
recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition,
please see Exclusion number 1 on pages 11 of the Patriot Group brochure. |
| Indemnity |
| Patriot International will pay directly to the insured person
US$100 for each night of a required overnight stay in a hospital. However, the hospital
stay must be covered under this plan in order to receive this benefit. |
Exclusions:
Charges for the following services,
treatments and/or conditions, among others, are excluded from coverage under the Patriot
Group plans.
- Pre-existing Conditions. A
pre-existing condition is
defined as any injury, illness, sickness, disease, or other physical, medical, mental or
nervous condition, disorder or ailment that, with reasonable medical certainty, existed at
the time of application or at any time during the three years prior to the effective date
of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated,
or disclosed prior to the effective date, including any subsequent, chronic or recurring
complications or consequences related thereto or arising there-from.
- Treatment or surgeries which are elective,
investigational, experimental or for research purposes.
- War, military action, terrorism, political
insurrection, protest, or any act thereof.
- Immunizations and routine physical exams.
- Treatment of Temporomandibular Joint or dental
treatment, except as expressly provided for in the certificate of insurance.
- Venereal disease, AIDS virus, AIDS related illness,
ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for
treatment or surgeries which are incurred by any Insured who was HIV+ at time of
enrollment into this insurance.
- Pregnancy, childbirth, birth control, artificial
insemination, treatment for infertility or impotency, sterilization or reversal thereof,
or abortion.
- Injury sustained while participating in amateur or
professional sports or other athletic activity which is organized and/or sanctioned, or
which involves regular or scheduled practices, games or competition. The following
hazardous activities are excluded: racing of any kind, aviation (except when traveling as
a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping,
canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline
skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering,
parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow
skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water
skiing, wind-surfing and whitewater rafting.
- Vision or ear tests and the provision of visual or
hearing aids.
- Vocational, recreational, speech or music therapy.
- Treatment while confined primarily to receive
custodial care, educational or rehabilitative care, or nursing services.
- Charges, injuries and/or illnesses resulting or
arising from or occurring during the commission or continuing perpetration of a violation
of law by the insured, including without limitation, the engaging in an illegal occupation
or act, but excluding minor traffic violations.
- Treatment for, and injuries and/or illnesses
resulting or arising from, substance abuse or drug addiction.
- Injury and/or illness resulting or arising from being
under the influence of alcohol or drugs; and injury or illness resulting from operating
any type of vehicle after consuming any alcohol or drugs.
- Willfully self-inflicted injury or illness.
- Treatment required as a result of or arising from
complications from a treatment or condition not covered under the certificate.
- Any services or supplies performed or provided by a
relative of the Insured or provided at no cost to Insured.
- Treatment for mental and nervous disorders.
- Organ or tissue transplants or related services.
- Illness or injury where the trip to the host country
is under-taken for treatment or advice for such Illness or injury, except as expressly
provided for in the certificate of insurance.
- Treatment incurred as a result of or arising from
exposure to nuclear radiation, and/or radioactive material(s).
This web page contains only a consolidated and
summary description of all current Patriot Group Travel Medical Insurance benefits,
conditions, limitations and exclusions. A certificate containing the complete Policy
Wording with all terms, conditions and exclusions will be included with the fulfillment
kit. We reserves the right to issue the most current Policy Wording for this insurance
plan in the event this application and/or brochure has expired, is modified, or is
replaced with a newer version. Current Policy Wordings are available upon request.
Click here for Instant Quotes for Patriot Group Travel
Click
here for Rates for Group Patriot International for U.S. Citizens
Click
here for Rates for Group Patriot America for non-U.S. Citizen
For custom quotes, please contact our friendly
specialists.
info@worldwidemedicalplans.com
877-211-3654 or
559-294-0316
Bon Voyage!
Haben Sie eine sichere
Reise! Abbia un viaggio sicuro!
”Tenga un viaje seguro! Ayez un
voyage sūr! Have a safe trip!
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