Overview
Patriot America Platinum is a comprehensive coverage plan for anyone traveling outside their home country. 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.
Acute onset of pre-existing conditions is included with this plan:
- Non-US residents under the age of 70, the coverage is up to $1,000,000
- US citizens under age 65 and with a primary health plan the coverage is up to $1,000,000
- US citizens under age 65 and without a primary health plan the coverage is up to $20,000
- US citizens age 65 years through 69 years coverage is up to $2,500
Other than that, it does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
If you visit the emergency room for a sickness (not for injury) for which you are not admitted into the hospital, there is a $250 penalty per visit.
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.
Patriot America Platinum provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage, valuables and personal papers.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your deductible per certificate period (varies from $0 to $25,000) 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 the hospitalization. There is no concept of copay.
After that, within the United Healthcare PPO network, the plan pays 100% up to the selected policy maximum, ranging from $20,000 to $8,000,000, depending upon your age.
Example:
Let's assume that you have purchased a $2,000,000 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.
When you visit the doctor next time, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your deductible per certificate period. 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 $2,000,000. If you incur any expenses beyond $2,000,000, 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 after the initial 3 months, you don't have to pay the deductible again.
Benefits Updated: 05/01/2024