US Customer Support
Patriot GoTravel Insurance
(For Non US citizens traveling US)
- Sirius International Insurance Corporation
- A (excellent) by A.M. Best and A- by Standard & Poors (at the time of printing)
- International Medical Group
- US Citizens travelling outside USA
- Non US Citizens travelling outside their home country
- Travelers below 65 years visiting USA must purchase the plan within 6 months of arrival in US
- Travelers 65 years and older must purchase the plan within 30 days of arrival in US
Unique Features
- Coverage up to $2 million
- No Coinsurance for treatment outside USA
- Six months benefit period
- Offers covers for pre-existing conditions to US Citizens only
- Ideal for travelers who require medical coverage only and not for evacuation, repatriation
Advantages
- Renewable up to 2 years
- Adventure sports is covered at additional price
- Offers discounts for prescription drugs purchased from over 35,000 pharmacies
Disadvantages
- No pre-existing conditions coverage for Non US Citizens
- No Coverage for emergency medical evacuation, repatriation, political evacuation
- $10,000 coverage for 80+ travelers
Coverage Example:
Policy maximum of the plan: $1,00,000
Deductible: $500
Coverage region: USA, claims incurred out of network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $500
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $70,000
Policy maximum of the plan: $1,00,000
Deductible: $500
Coverage region: USA, claims incurred out of network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $500
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $70,000
The following table shows the amount paid by the plan and the customer:
| Expense | Bill Amount | Customer pays | Plan Pays |
| First Visit to the Doctor due to Sudden Dental Pain | $500 | $500 (Since the deductible is $500) | $0 |
| Accidental hospitalization | |||
| Hospital Room and Board | $35,000 | $500 (10% of first $5000 coinsurance) | $4,500 (coinsurance: 90% of first $5,000) + $30,000 |
| Other expense | $35,000 | $0 | $35,000 |
| Total: | $70,500 | $1000 | $69,500 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden dental pain the bill amounts to $500 for a filling
- You will have to pay the full $500 as the chosen deductible is $500
- A few months later, you meet with a motor accident and get hospitalized to undergo a surgery for $70,000
- Now the plan will pay 90% of the first $5,000. ie. Company will pay $4,500 and you will pay $500
- The plan will then pay the remaining eligible expenses
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