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When traveling abroad, it is essential to have adequate health insurance to protect yourself from unexpected illnesses, accidents or injuries. Patriot Travel Medical Insurance is a popular choice among globetrotters due to its comprehensive coverage and affordable rates. In this review, we will explore the benefits, pros and cons of Patriot Travel Medical Insurance and help you make an informed decision.
What is Patriot Travel Medical Insurance?
Patriot Travel Medical Insurance is an international travel medical insurance plan offered by IMG (International Medical Group), a global leader in the insurance industry. The plan provides medical coverage and emergency assistance to travelers who are outside their home country. It is designed to protect individuals, families or groups for a period of up to 2 years.
Benefits of Patriot Travel Medical Insurance
Patriot Travel Medical Insurance offers a range of benefits that can give you peace of mind while traveling abroad. Some of the main benefits include:
- Medical coverage up to $2,000,000
- Emergency medical evacuation up to $500,000
- 24/7 travel and medical assistance
- Optional adventure sports coverage
- Coverage for pre-existing conditions
- No coinsurance or deductible for treatment received outside the U.S.
With Patriot Travel Medical Insurance, you can have access to quality medical care and services, regardless of your location or nationality. The plan also covers a variety of medical expenses such as hospitalization, surgery, prescription drugs, and ambulance services.
Pros of Patriot Travel Medical Insurance
There are several advantages of choosing Patriot Travel Medical Insurance for your next trip overseas, such as:
- Flexible coverage options to fit your needs and budget
- Easy online application and enrollment process
- Fast and efficient claims process
- 24-hour multilingual customer service
- No age limit or medical exam required
- Discounts for groups or long-term coverage
Patriot Travel Medical Insurance is an excellent choice for individuals, families or groups who want reliable and affordable health insurance while traveling abroad.
Cons of Patriot Travel Medical Insurance
Like any insurance plan, Patriot Travel Medical Insurance has some limitations and exclusions that you should be aware of before purchasing the coverage. Some of the main cons include:
- Certain medical conditions or services may not be covered
- Pre-existing conditions are subject to waiting periods and limited coverage
- No coverage for maternity, childbirth or routine medical check-ups
- No coverage for loss of personal property or travel cancellation
- Not available for residents of certain countries
You should carefully read the policy documents and understand the terms and conditions of the plan before making a decision.
How to Apply for Patriot Travel Medical Insurance
Applying for Patriot Travel Medical Insurance is a simple and straightforward process that can be completed online in just a few minutes. You will need to provide some basic information about yourself, your trip and your health status, and choose the coverage options that suit your needs and budget.
You will receive instant confirmation of your enrollment and a policy document outlining the details of your coverage. You can also manage your policy online, renew it, make claims or request assistance from the customer service team.
FAQ – Frequently Asked Questions
| Question | Answer |
| Who is eligible for Patriot Travel Medical Insurance? | Patriot Travel Medical Insurance is available to anyone under 76 years old who is traveling outside their home country for up to 2 years. |
| What is the maximum coverage limit of Patriot Travel Medical Insurance? | The maximum limit of medical coverage is $2,000,000 per person per period of coverage. |
| Does Patriot Travel Medical Insurance cover pre-existing conditions? | Yes, Patriot Travel Medical Insurance covers pre-existing conditions subject to certain terms and conditions. |
| Can I cancel or change my policy after enrollment? | Yes, you can cancel or change your policy before the start date of coverage for a full refund of premium paid. |
| What if I need medical assistance or evacuation while abroad? | Patriot Travel Medical Insurance provides 24/7 assistance and coordination of medical services, including emergency medical evacuation, repatriation or return of remains. |
Conclusion
Patriot Travel Medical Insurance is a reputable and reliable travel medical insurance plan that offers comprehensive protection and peace of mind to travelers worldwide. With its flexible coverage, affordable rates, and superior customer service, it is an excellent choice for anyone who wants to travel abroad with confidence. However, it is essential to understand the terms and conditions of the plan and its limitations before purchasing it.