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IMG Patriot Travel Medical InsuranceSM -
Benefits
Each Patriot Travel Medical Plan includes the following
benefits:
| International Emergency Care
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| Emergency Evacuation |
To policy maximum when coordinated through
IMG |
| Each Patriot Travel Medical InsuranceSM plan
also provides for Emergency Medical Evacuations to the nearest qualified
medical facility or the country of residence (as determined by IMGSM)expenses
for reasonable travel and accommodations resulting from the evacuation;
and the cost of returning to either the country of residence or the
country where the evacuation occurred up to the policy limit. |
| Emergency Reunion |
To U.S. $15,000 when coordinated through
IMG |
| Each PatriotSM plan
includes 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 country of residence to be united with the insured. |
| Repatriation |
To U.S. $25,000 when coordinated through
IMG |
| If a covered illness/injury results in
death, expenses for repatriation of the bodily remains or ashes to
the country of citizenship will be covered up to a maximum of U.S.
$25,000 |
| Returning Minor Children |
To U.S. $5,000 when coordinated through
IMG |
| 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
plans will pay up to U.S. $5,000 for one-way economy fare to their
home country, including a chaperone, if necessary, for the safety
of the child(ren). |
| Special Coverages
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| Home Country Coverage |
As described below |
Incidental Home Country Coverage -
During the period of coverage an insured person may return to their
country of citizenship for incidental visits of up to two weeks
total, subject to: a. The insured person must have left their country
of citizenship, b. The Total Period of Coverage must be for a minimum
of 30 days, and c. The return to the country of citizenship may
not be taken to receive treatment for a condition incurred while
traveling.
End of Trip Home Country Coverage - For every
six (6) months of coverage ou purchase, you can purchase one
(1) month of home country coverage up to a maximum of 2 months.
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| Trip Cancellation |
To U.S. $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,
the 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 U.S. $50 per item; maximum of U.S.
$250 |
| 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 |
U.S. $50,000 to Beneficiary; maximum of
U.S. $250,000 per family |
| If accidental death should occur while
traveling on a commercial Common Carrier, US$50,000 will be paid
to the beneficiary to a maximum of US$250,000 per family |
Medical Benefits
(Usual reasonable and customary charges, subject
to deductible and coinsurance.)
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| 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 |
| Dental |
To policy maximum |
| Each Patriot plan covers the cost of emergency
dental treatment and dental procedures necessary to restore sound
teeth lost or damaged in an accident. |
| Sports & Activities |
To policy maximum for basic sports, coverage
as described below |
Each Patriot plan covers injuries incurred
during amateur athletic activities which are non-contact and engaged
in by an 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,
but may be added by the Optional Sports Rider (see below)
Optional Sports Rider: Scuba diving, mountain climbing (up to
4500 meters or where ropes or guides are normally used), jet,
snow and water skiing and snowboarding, sky diving, amateur racing,
piloting an aircraft, bungee jumping and spelunking.
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| Accidental Death and Dismemberment |
U.S. $25,000 principal sum |
Each Patriot 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 in the Patriot Travel
Medical brochure.
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Plan Information
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| Deductible |
Your choice of U.S. $100, $250, $500,
$1,000, or $2,000 |
| Coinsurance |
As described below |
For treatment received outside
the U.S. and Canada: No coinsurance
For treatment received within the U.S. and Canada: The
plan pays 80% of eligble expenses up to U.S. $5,000 then 100%
up to the policy maximum.
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| Benefit Period |
Six months |
| If a covered injury or illness has continuing
treatment after the policy expires, the Benefit Period may provide
continued coverage. When the policy expires, IMG will review the
date of initial treatment for the covered injury or illness. If treatment
began less than six months before the policy expired, benefits for
the covered injury or illness will continue subject to the Policy
Limits until there has been six months of coverage. The Benefit Period
serves as an extension of benefits and does not limit the treatment
time during the Policy Period. |
| Additional Benefits for U.S. Citizens |
| Sudden Recurrence of a Pre-existing
Condition |
Sudden Recurrence of a Pre-existing
Condition - Up to US$500 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 in the Patriot
Travel Medical brochure.
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| Dental Emergency |
This plan will pay up to $100 for the
necessary treatment of sudden, unexpected pain to sound natural
teeth.
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| The above outline is only a consolidated
and summary description of all current Patriot 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. |
To get more information about any of our products, send us an
email at info@benefitsphere.com,
or call us at 1-877-891-6162.
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IMG Patriot Travel Medical
InsuranceSM:
Short Trips
(15 days to 6 months)
Extended Stay
(6 months to 2 years)
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