IMG Patriot Platinum Travel Insurance

Plan benefits of Patriot Platinum insurance

• COVID-19/SARS-CoV-2 Coverage	Patriot Platinum insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
  Eligible medical expenses	Up to the maximum limit
  Hospital room and board	Average semi-private room rate, including nursing services
  Surgery	Up to the maximum limit
  Intensive care unit	Up to the overall maximum limit.
  Bedside visit	$1,500 maximum limit. Not subject to deductible
  Supplemental Accident	Maximum limit per covered accident: $300
  Hospital indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible

• Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
  Physician visits	Up to the maximum limit
  Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
  Radiology / X-ray	Up to the maximum limit
  Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
  Laboratory	Up to the maximum limit
  Outpatient Surgical / Hospital Facility	Up to the maximum limit
  Chemotherapy / Radiation Therapy	Up to the maximum limit
  Physical Therapy	Up to the maximum limit (Medical order or treatment plan required)
  Pre-Admission Testing	Up to the maximum limit
  Assistant Surgeon	20% of the primary surgeon’s eligible fee
  Anesthesia	Up to the maximum limit
  Prescription Drugs and Medications	Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
  Reconstructive Surgery	Up to the maximum limit
  Chiropractic Care	Up to the maximum limit

• Emergency local ambulance	Up to the maximum limit. Subject to deductible and coinsurance
  Hospital emergency room	Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
  Interfacility ambulance transfer	Company pays 100%
  Emergency eye examination	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)

• Emergency dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth
  Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%

• Emergency medical evacuation	Up to the maximum limit
  Emergency reunion	$100,000 maximum limit. Not subject to deductible
  Return of mortal remains or cremation/burial	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
  Return of minor children	$100,000 maximum limit. Not subject to deductible
  Political evacuation and repatriation	$100,000 maximum limit. Not subject to deductible
  Remote transportation	$5,000 per certificate period / $20,000 maximum limit
  Natural disaster evacuation	$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)

• Natural disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
  Return travel	$10,000 maximum limit. Not subject to deductible
  Small Pet Common Air Carrier Accidental Death	$500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)
  Identity theft	$500 maximum limit. Not subject to deductible
  Terrorism	$50,000 maximum limit. Not subject to deductible
  Lost luggage	$50 per item, $500 maximum limit. Not subject to deductible

• Acute Onset of Pre-Existing Conditions	Up to the maximum limit.(Insured person must be under 70 years of age) United States citizens: Age 64 and under without a primary health plan: Maximum limit: $20,000 Age 64 and under with a primary health plan: Maximum limit: $1,000,000 Age 65 through age 69: Maximum limit: $2,500 Non-United States citizens: Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower)
  Pre-Existing condition medical evacuation	$25,000 maximum limit for emergency medical evacuation

• Accidental death & dismemberment	$50,000 principal sum. Not subject to deductible
  Common carrier accidental death	$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible

• Incidental Emergency in the U.S.	Up to 2 weeks
  Pet return	$1,000 maximum limit. Not subject to deductible
  Durable medical equipment	Up to the maximum limit
  Extended care facility	Up to the maximum limit
  Personal liability	$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property