Published on August 1, 2014
A Review of International Medical Group: Patriot Travel Plan : A Review of International Medical Group: Patriot Travel Plan The a temporary medical insurance plan is a temporary medical insurance plan specially designed for individuals, families and groups with minimum of five members, travelling outside their home country either for pleasure or work. PowerPoint Presentation: The a temporary medical insurance plan is a temporary medical insurance plan specially designed for individuals, families and groups with minimum of five members, travelling outside their home country either for pleasure or work. This is available for US and non-US citizens and their families. To make traveling abroad more fun and safe for you and your family, consider the following details of this plan: Six months benefit period plus the plan is renewable up to 24 months after continuous coverage of three months Medical expense coverage ranging from $50,000 up to $2,000,000. Deductibles apply ranging from $0-$2,500. Up to $500,000 emergency evacuation Coverage for repatriation, emergency dental, flight accidents and AD&D and 24-hour services assistance are included in the plan Up to $10,000 coverage for political evacuations Coverage for acts of terrorism-related injuries and illnesses Up to $500 per coverage period of identity theft assistance Added coverage for special case scenario of natural disaster. Up to $5000 coverage for trip interruption for an incidental trip back home specifically due by death of an immediate family member or destruction of the principal residence of the insured. Maximum of $250 coverage for loss or stolen baggage Up to $15,000 coverage for medical expenditures of fully disclosed pre-existing medical condition. There is also a coverage of $25,000 for emergency evacuation for this. There are other optional coverage available that you may want to take into consideration such as the optional rider coverage and the optional enhanced AD&D for the primary insured. The Strengths: The Patriot Travel Plan provides the basic needs of an individual, their families and groups of five and more as they travel outside their home country either for vacation or work. The package’s comprehensive plan covers all possible needs of the international traveler from the basic such as medical expenses, emergency evacuation, flight accidents and AD&D, trip cancellations, identity theft assistance and others. The purchase scheme is also favorable for the clients. You can avail of daily or monthly rates plus it can be renewed up to 24 months. This is also available for US and non-US citizens as well as their dependents, too. The Weaknesses: There is no coverage for political evacuation and for expenditures due to terrorist acts causing illness or injury to the insured to the areas where there is an issuance of travel advisory six months prior to travel. For those ages 65 and above, the coverage starts within 30 days after arrival in the US, while for those younger than 65 years, it begins within six months from arrival. The Bottom-line: The plan basically covers everything that a traveler may need while outside the home country. To ensure that the travel abroad is worry-free, availing of the plan is recommended. However, to protect oneself from unnecessary expenditures since these are not included in the plan, refrain from traveling to areas where a travel advisory is issued within six months prior to your travel.