International Insurance Application Question: Why can’t I apply online if I am a citizen of Nigeria, Niger, Ghana, Botswana, Sierra Leone, and Gambia or I am traveling to one of these countries.
Answer: You may not purchase the Outreach International and Patriot International online. We recommend Tokio Marine HCC Atlas as an alternative: https://www.gninsurance.com/atlas-international-medical-insurance-policy/. If you really want the Outreach or Patriot, please give us a call at 866-636-9100 or e-mail us at
Possible Client Question: One of our guests is requesting Patriot America, http://www.gninsurance.com/img-patriot/, cover. They will be traveling from Australia to the U.S. Virgin Islands for a couple weeks of vacation. Is coverage in the U.S. Virgin Islands viewed as inside or outside the U.S.?
Answer: The U.S. Virgin Islands is viewed as outside the U.S. since the USVI are a non-self-governing U.S. territory. Once the deductible is satisfied, eligible medical expenses are covered at 100% (ie. No co-insurance).