Welcome to
the Home ofSunburst International
Risk Management(SIRM)
Integrity
Experience
Dependability
Wherever
you go, our worldwide
assistance is by you side
24 hours a day, 7 days a week.
We
at Sunburst International Risk Management
are dedicated to being your trusted source for global risk
assessment and mitigation consulting
and training services.
Whether
you travel for business, leisure, adventure, or study, the best way to
ensure an enjoyable, productive, and safe trip is
to be aware of what types of problems you may encounter, take steps to
prevent problems before they happen, and be prepared to deal with problems
if they do occur.We focus on the things that
we believe matter most to our clients - helping them
learn
how to reduce the uncertainties of international travel
and providing them with global protection and peace of
mind.
We are committed to delivering individualized services, risk
assessment expertise, and
carefully considered advice to our clients.
We are proud to
provide superior global protection and peace of mind to
international travelers in over 100 countries.
Patriot International®
Patriot International provides coverage for US citizens
traveling abroad for a minimum of 5 days up to a maximum of two years. If the plan is
purchased for a minimum of three months, coverage may be renewed (without break in
coverage) for a total of up to two years.
SCHEDULE
OF BENEFITS
MEDICAL BENEFITS
Usual reasonable and customary charges, subject to deductible and
coinsurance
Hospital Room and Board
To Policy Maximum for average semi-private room rate
Intensive Care
To Policy Maximum
Medical Expenses
To Policy Maximum
Outpatient Medical
To Policy Maximum
Local Ambulance
To Policy Maximum
Emergency Room
As described below
Charges incurred for the use of the Emergency Room due to an accident are
covered up to the Policy Maximum.
Charges incurred for the use of the Emergency Room for treatment of an illness are subject
to an additional (extra) US$250 deductible if treatment does not require admittance to the
hospital.
Dental
As described below
Injury due to an accident: Each Patriot plan covers the
cost of emergency dental treatment and dental procedures necessary to restore sound
natural teeth lost or damaged in an accident up to the Policy Maximum.
Sudden dental pain: Each plan will pay up to US$100 for the necessary
treatment of sudden, unexpected pain to sound natural teeth.
INTERNATIONAL EMERGENCY CARE
Emergency Evacuation
To Policy Maximum when coordinated through the Plan Administrator
Each Patriot Travel Medical Insurance® plan includes coverage for
Emergency Medical Evacuations to the nearest qualified medical facility; expenses for
reasonable travel and accommodations resulting from the evacuation; and the cost of
returning to either the home country or the country where the evacuation occurred, up to
the policy limit.
Emergency Reunion
To US$15,000 when coordinated through the Plan Administrator
Each Patriot plan also provides emergency reunion coverage, up to
US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a
relative or friend during an Emergency Medical
Evacuation: either the cost of accompanying the insured during the evacuation or traveling
from the home country to be reunited with the insured.
Return of Mortal Remains
To US$25,000 when coordinated through the Plan Administrator
If a covered illness/injury results in death, expenses for Repatriation of
bodily remains or ashes to the home country will be covered up to a maximum of US$25,000.
Returning Minor Children
To US$5,000 when coordinated through the Plan Administrator
If an insured person is hospitalized due to a covered illness/injury and
is traveling alone with child(ren) 19 or under that otherwise would be left unattended,
the Patriot plans will pay up to US$5,000 for one way economy fare to their home country,
including a chaperone, if necessary, for the safety of the child(ren).
PLAN INFORMATION
Deductible
Your choice of US$0, $100, $250, $500, $1,000 or $2,5000
On the Application Form, you will be asked to circle your choice of a
deductible. Your premium rate is dependent on the deductible you choose. Please see the
Application Form for more information.
Coinsurance
As described below
For treatment received
outside the U.S. & Canada: No coinsurance
For treatment received within the U.S. & Canada:
In the PPO Network: The plan pays 90% of eligible expenses up to
US$5,000, then 100% up to the Policy Maximum
Outside the PPO Network: The plan pays 80% of eligible expenses up to
US$5,000, then 100% up to the Policy Maximum
Benefit Period
Six months
If a covered injury or illness requires continuing treatment after the
Period of Coverage expires, the six-month Benefit Period may provide continued coverage.
When the certificate expires, the Company will review the date of initial treatment for
the covered injury or illness. If treatment began less than six months before the Period
of Coverage expired, benefits for the covered injury or illness will continue subject to
the Policy Limits and the other terms of the plan until there have been six months of
continuous coverage for the covered injury or illness.
SPECIAL COVERAGES
Home Country Coverage
As described below
Incidental Home Country Coverage - During the Period of
Coverage an insured person may return to their home country for incidental visits up to a
cumulative two weeks total, subject to: a. The insured person must have
left their home country, b. The total Period of Coverage must be for a
minimum of 30 days, and c. The return to the home country may not be
taken to receive treatment for an illness or injury incurred while traveling.
End of Trip Home Country Coverage - For every five months of continuous
coverage you purchase, you can purchase one additional month of home country coverage as
an accommodation and supplemental travel benefit, up to a maximum of two months. To
purchase this special home country extension coverage, please check the appropriate box on
the Application Form, and calculate your premium to include the additional month(s).
Trip Interruption
To US$5,000
If, during a covered trip, there is a death of an immediate family member
(spouse, child, parent or sibling) or the substantial destruction of the insured’s
principal residence, each Patriot plan will pay to return the insured to the area of
principal residence. The plan will pay for a one way air or ground transportation ticket
of the same class as the unused travel ticket, less the value of the unused return ticket.
Lost Luggage
To US$50 per item or personal property; maximum of US$250 per Period of
Coverage
This benefit will be paid in the event that the Common Carrier permanently
loses an insured person’s checked luggage. This coverage is secondary to any other
available coverage, including the Carrier’s.
Common CarrierAccidental Death
US$50,000 to Beneficiary;maximum of US$250,000 per family
If accidental death should occur while traveling on a commercial Common
Carrier, US$50,000 will be paid to the designated beneficiary, to a maximum of US$250,000
per family.
Sports & Activities Coverage
To Policy Maximum for basic sports Coverage as described below
Each Patriot plan covers injuries incurred during amateur athletic
activities which are non-contact and engaged in by the insured person solely for leisure,
recreation, entertainment or fitness purposes. However, activities not covered include
amateur or professional sports or other athletic activity which is organized and/or
sanctioned, or which involves regular or scheduled practices, games or competition.
The following hazardous activities are excluded: racing of any kind, aviation (except when
traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee
jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning,
inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking,
mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping,
sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing,
wakeboarding, water skiing, windsurfing and whitewater rafting.
Optional Leisure or Extreme Sports Riders: Please see the brochure for more
information.
Accidental Death & Dismemberment
US$25,000 principal sum
Each Patriot plan includes US$25,000 principal sum benefit for Accidental
Death and Dismemberment occurring during the Period of Coverage: • Accidental Loss of
life - principal sum; • Accidental Loss of two Members - principal sum; •
Accidental Loss of one Member - 50% of principal sum. “Member” means hand, foot
or eye. For more information, see the Conditions of Coverage section in the Patriot Travel
Medical Insurance brochure.
Terrorism Coverage
Up to US$50,000 lifetime maximum
Each Patriot Plan provides coverage for injuries and illness incurred as a
result of an act of Terrorism, limited in amount and by circumstances. If an insured
person is injured as a result of an act of Terrorism, and the insured person has no direct
or indirect participation in the act, the plan will reimburse eligible medical claims
subject to a US$50,000 lifetime maximum. However, claims incurred as a result of
radiological, nuclear, chemical or biological weapons or events are not covered.
Terrorism is defined as the systematic or planned use of
violence, fear, or threat of violence in order to intimidate a population or government,
especially as a means of coercion or to obtain a granting of any demand. However, this
benefit does not cover an act of Terrorism in any country or location where the United
States government has issued a travel advisory that has been in effect within the 6 months
prior to the insured person's date of arrival.
This benefit also does not cover an act of Terrorism
in the event that an advisory to leave a certain country or location is issued by the
United States government after the insured person's arrival date, and the insured person
unreasonably fails or refuses to depart the country or location.
Identity
Theft Assistance
Up to
US$500 per Period of Coverage
If an imposter obtains key personal information such as a Social Security
or Driver's License number, or other method of identifying an insured person in order to
impersonate or obtain credit, merchandise or services in the insured person’s name,
the Patriot plans will provide coverage for the reasonable, customary and necessary costs
incurred by the insured for: re-filing a loan or other credit application that is rejected
solely as a result of the stolen identity event; notarization of legal documents,
long-distance telephone calls, and postage that has resulted solely as a result of
reporting, amending and/or rectifying records as a result of the stolen identity event; up
to three credit reports obtained within one year of the insured person’s knowledge of
the stolen identity event; and stop payment orders placed on missing or unauthorized
checks as a result of the stolen identity event.
The identity theft event must occur during the Period of Coverage and must
be reported within 6 months of the termination of coverage date.
Additional Benefits for U.S. Citizens
Sudden Recurrence of a Pre-existing Condition
Up to US$15,000 will be paid for the eligible expenses of a sudden and
unexpected recurrence of a Pre-existing Condition while traveling outside of the U.S. In
addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency
Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a
Pre-existing Condition. For the definition of a Pre-existing Condition, please see
Exclusion number 1 in the Patriot Travel Medical Insurance brochure.
Indemnity
Patriot International will pay directly to the insured person US$100 for
each night of a required overnight stay in a hospital. However, the hospital stay must be
covered under this plan in order to receive this benefit.
This web page contains only a consolidated and summary description of all
current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions.
A certificate containing the complete Policy Wording with all terms, conditions and
exclusions will be included with the fulfillment kit. The Plan Administrator reserves the
right to issue the most current Policy Wording for this insurance plan in the event this
application and/or brochure has expired, is modified, or is replaced with a newer version.
Current Policy Wordings are available upon request.
EXCLUSIONS:
Charges for the following services, treatments and/or
conditions are excluded from coverage
under the Patriot plans.
Pre-existing Conditions. A pre-existing condition is
defined as any injury, illness, sickness, disease, or other physical, medical, mental or
nervous condition, disorder or ailment that existed at the time of application or at any
time during the three years prior to the effective date of the insurance, including any
subsequent, chronic or recurring complications or consequences related thereto or arising
there from.
Treatment or surgeries which are elective,
investigational, experimental or for research purposes.
War, political insurrection, protest, or any act
thereof.
Immunizations and routine physical exams.
Treatment of Temporomandibular Joint or dental
treatment, except as provided for herein.
Venereal disease, AIDS virus, AIDS related illness,
ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for
treatment or surgeries which are incurred by any Insured who was HIV+ at time of
enrollment into this insurance.
Pregnancy, childbirth, birth control, artificial
insemination, treatment for infertility or impotency, sterilization or reversal thereof,
or abortion.
Injury sustained while participating in amateur or
professional sports or other athletic activity which is organized and/or sanctioned, or
which involves regular or scheduled practices, games or competition. The following
hazardous activities are excluded, but may be added by the Optional Sports Rider: Scuba
diving, mountain climbing (up to 4500 meters or where ropes or guides are normally used),
jet, snow and water skiing and snowboarding, skydiving, amateur racing, piloting an
aircraft, bungee jumping and spelunking.
Vision or ear tests and the provision of visual or
hearing aids.
Vocational, recreational, speech or music therapy.
Treatment while confined primarily to receive
custodial care, educational or rehabilitative care, or nursing services.
Charges, injuries and/or illnesses resulting or
arising from or occurring during the commission or continuing perpetration of a violation
of law by the insured, including without limitation, the engaging in an illegal occupation
or act, but excluding minor traffic violations.
Treatment for, and injuries and/or illnesses
resulting or arising from, substance abuse or drug addiction.
Injury and/or illness resulting or arising from or
sustained while under the influence of or disablement of drugs or alcohol.
Willfull self-inflicted injury or illness.
Treatment required as a result of or arising from
complications from a treatment or condition not covered hereunder.
Any services or supplies performed or provided by a
relative of the Insured or provided at no cost
to Insured.
Treatment for mental and nervous disorders.
Organ or tissue transplants or related services.
Illness or injury where the trip to the host country
is undertaken for treatment or advice for such
Illness or injury, except as provided for herein.
Treatment incurred as a result of or arising from
exposure to nuclear radiation, and/or radioactive material(s).
This information is only a consolidated and
summary description of all current Patriot Travel Medical InsuranceSM benefits, conditions, limitations and exclusions. A
certificate containing the complete Policy Wording with all terms, conditions and
exclusions will be included with the fulfillment kit.
PATRIOT INTERNATIONAL
PREMIUM TABLE for U.S. CitizensTraveling Abroad
All premium rates are for Deductible $250 Option
(in USD)
Effective through 3/31/2008
ANNUAL DEDUCTIBLE
$0
$100
$250
$500
$1000
$2500
POLICY LIMIT
$50,000
$100,000
$500,000
$1,000,000
$2,000,000
AGE
Monthly Rates
18-29
$32.00
$37.00
$43.00
$48.00
$54.00
30-39
$37.00
$43.00
$57.00
$63.00
$72.00
40-49
$59.00
$66.00
$73.00
$81.00
$99.00
50-59
$96.00
$109.00
$122.00
$136.00
$153.00
60-64
$109.00
$129.00
$153.00
$180.00
$201.00
65-69
$129.00
$138.00
$158.00
$189.00
$243.00
70-79
$189.00
N/A
N/A
N/A
N/A
80+*
$378.00
N/A
N/A
N/A
N/A
DEP. CHILD
$18.00
$23.00
$27.00
$28.00
$34.00
CHILD ALONE
$32.00
$36.00
$41.00
$46.00
$52.00
AGE
Daily Rates (Minimum length of coverage is 5 days)
18-29
$1.15
$1.25
$1.45
$1.65
$1.85
30-39
$1.25
$1.45
$1.95
$2.15
$2.45
40-49
$2.00
$2.25
$2.45
$2.75
$3.35
50-59
$3.25
$3.65
$4.15
$4.60
$5.15
60-64
$3.65
$4.35
$5.15
$6.05
$6.75
65-69
$4.35
$4.65
$5.35
$6.35
$8.15
70-79
$6.35
N/A
N/A
N/A
N/A
80+*
$12.65
N/A
N/A
N/A
N/A
DEP. CHILD
$0.65
$0.80
$0.95
$1.00
$1.20
CHILD ALONE
$1.15
$1.25
$1.40
$1.55
$1.80
*
US$10,000 Maximum
Rates include 2.5% surplus lines tax. A dependent child
is your child shown on the Enrollment Form
over 14 days and under 18 years of age, traveling with you, and for whom premium has been
paid.
*See specific policy for age limit.
Benefit Period The Benefit Period is the period of time specified in the Policy Limits. It
begins once an eligible incident occurs to the insured. While coverage is in effect under
this policy, the Benefit Period does not apply. When coverage under this policy
terminates, as defined, Patriot Travel Medical InsuranceSM
will pay eligible expenses for covered Injuries or Illnesses which
commenced during the period of coverage for up to, but not exceeding the Benefit Period,
subject to the Policy Limits.
Refund of Premium
Only if a written request is received prior to the policy's effective date. The premium is
non-refundable after that date.
This web page contains only a consolidated and
summary description of all current Patriot Travel Medical Insurance benefits, conditions,
limitations and exclusions. A certificate containing the complete Policy Wording with all
terms, conditions and exclusions will be included with the fulfillment kit. We reserve the
right to issue the most current Policy Wording for this insurance plan in the event this
application and/or brochure has expired, is modified, or is replaced with a newer version.
Current Policy Wordings are available upon request.
Availability, features, benefits and rates for all plans described on this site are
subject to change without notice
at the discretion of the insurance carriers. This site is updated weekly, but we recommend
contacting us
directly to be assured of getting the most up-to-date information available.
INTERNATIONAL SECURITY NEWS BRIEFS: Please
note that we at Sunburst International Risk Management provides the
International Security News Briefs as a value-added service to our
international clients and visitors of this website. Our International
Security News Briefs are updated frequently, in order to provide you with current and
reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may
become inactive at any time. We suggest that you bookmark our website and
return frequently to check the current global news posted on our website.
Europe -
United Kingdom
Crime 'stable' but robbery rises July 19, 2007 Crime in England and Wales has remained stable during the past year,
according to Home Office figures.
East Asia /
Pacific - China
Fifth of China goods sub-standard
July 4, 2007 Nearly a fifth of goods
made and sold in China have been found to be sub-standard, Beijing has
revealed.The worst problems were found in canned
fruit, dried fish and fruit drinks, a food inspectors' report said.
Sub-Saharan
Africa - Nigeria
Scots oil worker held in Nigeria
April 1, 2007 A British oil worker is
still missing after being kidnapped in Nigeria, the Foreign Office has said.
Middle East / N. Africa - Israel
Israeli union gripped by
general strikes
Mar. 21, /2007
Irael's main trade union has launched an open-ended general strike
which threatens to bring transport and public services across the country to
a halt.
Europe - Russia
55 Cities Could Face Spring Floods
Mar. 15, /2007 More than 55 cities and towns
across the country could be flooded this spring, according to a forecast
released by the Emergency Situations Ministry.
Middle East / N. Africa - Algeria
Threat to Commercial Aircraft in Algeria
Mar. 14, /2007
There is information that extremists may be planning to conduct an attack
against a commercial aircraft carrying Western workers in Algeria. At this
time, there is no additional information available as to the specific
carrier or the timing of this attack.
East Asia /
Pacific - Thailand
Army doubts Bangkok attacks likely
Mar.
12, 2007 Council for National Security
chairman Gen Sonthi Boonyaratkalin Sunday dismissed rumours that southern
insurgents plan to launch disturbances in the Thai capital anytime from
Tuesday through Thursday.
Sub-Saharan Africa -
Kenya Mombasa
Athletic Event ThreatsMar.
6, 2007 Recent information emanating from
alleged extremist elements suggests the World Cross-Country Championship may
be the target of an unspecified terrorist attack. The embassy is also aware
of public statements by leaders of Kenya’s Coastal Muslim community
threatening to disrupt the Championship if the Government of Kenya does not
satisfy various demands
Sub-Saharan Africa - Ethiopia
Tourists 'kidnapped' in Ethiopia Mar.
2, 2007 Addis Ababa, Ethiopia:
A group of 15 foreign tourists
has been kidnapped in north-east Ethiopia. They include 11 French nationals,
at least one Briton and an Italian.
East Asia / Pacific - Thailand
Muslim insurgency stokes fear in southern ThailandFeb.
26, 2007 PATTANI, Thailand:
Some are already calling it war, a
brutal Muslim separatist insurgency in southern Thailand that has taken as
many as 2,000 lives in three years, with almost- daily bombings, drive-by
shootings, arson and beheadings.
American
Tourist kills mugger with bare handsFeb.
24, 2007 SAN JOSE, Costa Rica - An American
tourist who watched as a U.S. military veteran in his 70s used his bare
hands to kill an armed assailant in Costa Rica said she thought the
attempted robbery was a joke — until the masked attacker held a gun to her
head.
Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in NigeriaFeb. 19, 2007
Port Harcourt, Nigeria:
Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city
of Port Harcourt.
East Asia /
Pacific - China
Buddhist beheaded in Thai south
Feb. 9, 2007
A 72-year-old Buddhist rice miller was beheaded in Thailand's rebellious
Muslim south on Thursday in an apparent retaliation for a bomb attack on a
village tea shop owned by Muslims, police said.
Europe - Russia
Feb. 5, 2007
Registration Rules Stir Up Confusion Moscow, Russia:
According to a new
law that came into effect Jan. 15, foreigners are now required to hand over
their registration papers to migration officials -- via their employer or
other sponsor -- every time they leave the country and re-register upon
subsequent entry into the country.
Sub-Saharan
Africa - Nigeria
Captors release nine Chinese oil workers in Nigeria
Feb. 5, 2007 Nigeria, Lagos:
Hostage takers in Nigeria released nine Chinese oil-worker captives,
officials said on Sunday, amid rising violence in Africa's biggest petroleum
producer.
Sub-Saharan
Africa - Nigeria
Force no solution for Nigeria's oil delta
Feb. 2, 2007
The Nigerian government faces a new challenge from spiralling crime
in the oil-producing Niger Delta, but wants to avoid turning Africa's oil
heartland into a battleground, Energy Minister Edmund Daukorua said.
Sub-Saharan
Africa - Nigeria
Demands made for release of hostages2/1/07 Manila - Nigerian kidnappers holding 24
Filipinos hostage have made "political demands" that have hampered
negotiations to free them, the Philippine foreign department said Thursday.
East Asia / Pacific - Thailand 1/30/07
Two explosions in northern Bangkok Bangkok - Two explosions occurred early on Tuesday
morning along the main road in northern Bangkok. There were no casualties
reported in the blasts near the Daily News newspaper and Rama Gardens Hotel
Bangkok.
We
at Sunburst International Risk Management
are dedicated to
being your trusted source for global risk
assessment and mitigation consulting
and training services.
Whether
you travel for business, leisure, adventure, or study, the best way to
ensure an enjoyable, productive, and safe trip is
to be aware of what types of problems you may encounter, take steps to
prevent problems before they happen, and be prepared to deal with problems
if they do occur.
We focus on the things that
we believe matter most to our clients - helping them
learn
how to reduce the uncertainties of international travel
and providing them with global protection and peace of
mind.
We are committed to delivering individualized services, risk
assessment expertise, and
carefully considered advice to our clients.
We are proud to
provide superior global protection and peace of mind to
international travelers in over 100 countries.
Experience
atriot International 
Rates and Application are at the bottom of this
page.
