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Schedule of Benefits
Medical Benefits
- Hospital room and board to policy maximum for average semi-private room rate
- Intensive care
- Medical expenses
- Outpatient medical expenses
- Local ambulance
- Dental - Each Patriot plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident.
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International Emergency Care
- Emergency evacuation when coordinated through the Plan Administrator
- Emergency reunion to $15,000 when coordinated through the Plan Administrator
- Repatriation to $25,000 when coordinated through the Plan Administrator
- Returning minor children to $25,000 when coordinated through the Plan Administrator
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Special Coverage
Home Country Coverage
Incidental Home Country Coverage -
During the period of coverage an insured person may return to their country of residence for incidental visits up to a cumulative two weeks total, subject to: a) The insured person must have left their country of residence, b) The total period of coverage must be for a minimum of 30 days, c) The return to the country of residence may not be taken to receive treatment for an illness or injury incurred while traveling.
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End of Trip Home Country Coverage -
For every six months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months.
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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, each Patriot plan will pay to return the insured to the area of principal residence. The plan will pay 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.
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Lost Luggage
To $50 per item of personal property; maximum of $250 per period of coverage. 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.
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Common Carrier Accidental Death
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.
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Sports & Activities Coverage
Each Patriot 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.
Ask your Agent for a list of those hazardous activities that are not covered. These activities can generally be covered through an Optional Sports Rider or through IMG's Patriot Extreme Plan.
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Accidental Death & Dismemberment
Each Patriot plan includes $25,000 principal sum benefit for AD&D occurring during the period of coverage. Accidental Loss of life - principal sum; Accidental Loss of two Members (ex: hand, foot or eye) - principal sum; Accidental Loss of one Member - 50% of principal sum.
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Last updated on: 11/14/2008
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