Does Patriot America Plus cover emergency medical expenses?

Yes, Patriot America Plus covers emergency medical expenses for non-U.S. residents traveling to the U.S. The comprehensive travel medical insurance plan includes benefits for hospital stays, doctor visits, prescription medications, and medical evacuation. Coverage also extends to the acute onset of pre-existing conditions for travelers under age 70. 

Key Medical Benefits

• Hospitalization: Covers hospital room and board and intensive care unit charges. 
• Emergency Services: Includes coverage for ambulance services, emergency room visits, and urgent care. 
• Prescription Medication: Provides coverage for necessary prescription drugs. 
• Medical Evacuation: Covers the cost of emergency medical evacuation to a suitable facility. 
• Accident-Related Care: Includes emergency dental treatment specifically related to an accident. 
• Acute Onset of Pre-Existing Conditions: Offers coverage for sudden and unexpected outbreaks of pre-existing conditions for travelers under 70 years old. 

How it Works

• PPO Network: 

  The plan provides 100% coverage of eligible medical expenses up to the policy maximum for services received within the U.S. PPO (Preferred Provider Organization) network, after an initial coinsurance for the first $5,000. 

• Outside the Network: 

  Outside the PPO network, the plan generally covers 80% of eligible medical expenses up to $5,000, then 100% of costs up to the policy maximum. 

• Eligibility: 

  Patriot America Plus is designed for non-U.S. residents visiting the United States. 

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.