Patriot America visitor health insurance is designed for those non-US citizens who are planning to travel outside their native land. It is a comprehensive visitors insurance that is highly recommended for covering your relatives visiting the US.
Underwritten by the reputed organization named Sirius International, this visitor insurance policy has got excellent rating from AM Best Company for its affordable coverage and benefits.
Individuals can purchase Patriot America insurance from a minimum of 5 days up to almost 2 years. Purchasing can be done online or through mail or fax sent to the insurance agent from whom you would want to purchase the insurance policy.
Individuals who purchase the Patriot America insurance online would receive a renewal notice 2 weeks before the expiry of the policy reminding them for renewing. However, this option is available only for those people who buy the policy initially for a minimum duration of at least 3 months.
Many visitors insurance policies are renewable. Renewals of the Patriot America insurance policy can be done on a monthly basis or on a daily incremental basis. If the renewal is applied for less than a month, you can only renew online and a processing fee is charged. In case of renewals for more than a month, a paper application form can be submitted.
Visitor insurance typically offers the convenience of network providers. Patriot America visitor health insurance has an excellent PPO network tie-up consisting of more than 4,500 hospitals and 5 lakhs doctors. For best benefits, treatment needs to be taken from any of the experts or organizations who are tied with this network.
There are a wide range of benefits offered by the Patriot America insurance plan. Some of them include emergency medical care incurred (hospitalization, surgeries, in-patient or out-patient admission and local ambulance services).
Plans can change, and many visitors insurance policies allow for a full refund in certain circumstances. The cancellation procedure for the Patriot America insurance plan is pretty straightforward. Full refund would be given for those people who opt for cancellation before the plan becomes effective. However, after the effective date of the plan, if the insured applies for cancellation, the full monthly premiums that are remaining would be reimbursed after deduction of a nominal processing fee, only if the insured has not filed any claims under the policy after purchasing. In case any claims have been filed, the insured is not eligible for cancellation of the policy after the effective date of the plan.
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