Patriot Travel Medical Insurance

Product News and Review

The following updates will be made in July 2011 for Sudden and Unexpected Recurrence of a Pre-existing Condition for U.S. Citizens:
– Up to age 65 with a Primary Health plan - usual reasonable and customary up to certificate maximum
– Up to age 65 without a Primary Health plan - $20,000 lifetime maximum
– Age 65 + with or without a Primary Health plan - $2,500 lifetime maximum
(The Primary Health plan must have existed prior to effective date and during coverage of the IMG plan and the pre-existing condition must be covered under the Primary Health Plan).

Evacuation Plus Rider will provide coverage for emergency medical evacuations for medical conditions that are non-life threatening and evacuations as a result of a natural disaster.

Disaster Evacuation - Up to a maximum of $10,000. Requirements: Up to age 65. Available with a minimum of 3 months of coverage regardless of the minimum number of days being traveled.

The premium rates on this plan will remain the same.

If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.

Pros

This product has been the most popular travel insurance among Freedom Benefits users over the past decade. We have not ever received a complaint or negative user comment about the plan.

The coverage for sudden reoccurrence of a pre-existing condition for a U.S. citizen with other primary health insurance is the strongest possible, effectively duplicating domestic coverage.

Includes terrorism coverage; a common exclusion in other insurance policies.

Cons

The coverage for sudden reoccurance of a pre-existing condition for a U.S. citizen is limited to $20,000 if the applicant does not have other primary health insurance.

Coverage limits for non-U.S. residents visiting the U.S. are not as high as coverage limits for U.S. residents travelling abroad.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.