Patriot America Insurance provides coverage for non-U.S. citizens visiting USA or traveling outside their home country for a minimum duration of five days. If the Patriot America plan is purchased for a minimum of one month, coverage may be renewed also. Policy maximum choice limit include coverage upto $2,000,000 for injury or sickness occurred during plan duration. Patriot USA Insurance offers choice of deductible between $0 or $2,500 which is not per incident or accident, but is just once per policy period.
For treatment received within the US and Canada and in the PPO Network, the Patriot America plan pays 90% of eligible expenses up to the first US$5,000, then 100% up to the policy maximum limit. Out of the PPO Network, co-insurance is 80:20 ratio, and the plan pays 80% of eligible expenses upto the first US$5,000, then 100% up to the policy maximum limit.
If you are a non-US citizen under age 65 or under , you are covered for an Acute Onset or Sudden and Unexpected Recurrence of a pre-existing Medical Condition with coverage is available up to USD $50,000. For ages 65+, the pre-ex coverage is limited to US$2,500 of eligible medical expenses.
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