Patriot Executive Multi-Trip Travel Insurance
Overview | Benefits
| Premiums | Download
Brochure | Quote
& Apply
| INTERNATIONAL EMERGENCY CARE (when coordinated through the Plan Administrator) |
| Emergency Evacuation |
Up to the policy maximum |
| The Patriot Executive plan includes coverage for emergency medical evacuation 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. The plan will pay up to the policy maximum for covered incidents for insured
persons under age 66; up to $50,000 for covered incidents for insured persons from ages 66 to 75; and up to $25,000 for evacuations resulting from a pre-existing condition. |
| Emergency Reunion |
Up to $15,000 |
| The Patriot Executive plan also provides emergency reunion coverage, up to $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 of the insured person: 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 |
Up to $25,000 |
| 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 $25,000. |
| Returning Minor Children |
Up to $5,000 |
| 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 Executive
plan will reimburse up to $5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). |
| Political Evacuation |
Up to $10,000 |
| If the United States Department of State, Bureau of Consular Affairs issues a travel advisory that becomes effective on or after the Insured Person’s date of arrival
in the Host Country, the Company will pay up to $10,000 for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided
that: |
- The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular affairs issues the travel advisory;
- Political Evacuation and Repatriation is approved and coordinated by the Company.
|
To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG. |
|
| SPECIAL COVERAGES |
| Trip Interruption |
Up to $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 Patriot Executive plan will reimburse the insured up to $5,000 for the cost of returning the insured to the area of principal residence. The plan will cover reimbursement 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 |
Up to $50 per item of luggage; maximum of $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 |
$50,000 to Beneficiary; maximum of $250,000 per family |
| If accidental death should occur while traveling on a commercial Common Carrier, $50,000 will be paid to the designated beneficiary, to a maximum of $250,000 per family.* |
|
| MEDICAL BENEFITS |
usual, reasonable and customary charges, subject to deductible |
| Hospital Room and Board |
Up to Policy Maximum for average semi-private room rate |
| |
| Intensive Care |
Up to Policy Maximum |
| |
| Medical Expenses |
Up to Policy Maximum |
| |
| Outpatient Medical |
Up to Policy Maximum |
| |
| Local Ambulance |
Up 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) $250 deductible if treatment does not require admittance to the hospital. |
| Dental |
As described below |
Injury due to an accident: The 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: The plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. |
| Pre-existing Conditions |
Up to $5,000 per period of coverage |
| The plan will cover up to $5,000 maximum, per insured person, per period of coverage (not per trip), for the sudden and unexpected recurrence of a pre-existing condition, as defined
in the certificate wording. |
| Sports & Activities Coverage |
Up to Policy Maximum for basic sports as described below |
| The Patriot Executive 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. |
| Accidental Death & Dismemberment |
$25,000 principal sum |
The Patriot Executive plan includes $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 life which occurred during a hijacking, kidnapping or attempted kidnapping - two times the 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 panel 9 of the Patriot Executive brochure.* |
|
| BASIC PLAN INFORMATION |
| Deductible |
$250 per each covered Illness; deductible waived for claims incurred as a result of a covered accident |
| |
| Coinsurance |
None |
| |
| Policy Maximum |
$1,000,000; $50,000 for travelers who are 70-75 years old |
| |
| 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. |
|
| * Notwithstanding separate benefits, limits and sublimits for Common Carrier Accidental Death benefit and Accidental Death & Dismemberment benefits (above), no more than $50,000
dollars per individual will be paid to a beneficiary in the event of any death that occurs while covered by the Patriot Executive plan. |
Precertification
All proposed hospital admissions and
surgeries, whether inpatient or outpatient, will be subject to
Precertification. You or your attending physician must call the number
listed on your Confirmation of Coverage prior to admittance to a hospital
or performance of a surgery. In the event of an Emergency Admission, the
Precertification call must be made within 48 hours after the admission, or
as soon as reasonably possible. In the event an admission or surgery is
not pre-certified, eligible expenses will be reduced by 50%. This is only a summary of the
coverage provided. Other conditions and exclusions may apply. Please
consult the policy itself for a full description of the coverage. In
support of Patriot Executive InsuranceSM, IMG has established
the Group Health, Accident and Travel Insurance Trust, in Washington D.C.
The trust owns a master group international insurance policy. Individual
certificates of insurance are issued from the master policy. Rates include
2% surplus lines tax.
|
Atlas
