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Patriot Platinum Insurance

Best travel health insurance for travelers to US and outside their home country.

Quotes for Patriot Platinum insurance

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Patriot America Lite Insurance

About Patriot Platinum Insurance

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot America Platinum offers coverage for Non US citizens travelling outside their home country and Patriot Platinum International offers coverage for US citizens traveling outside US.

The plan is can purchased for a minimum of 5 days up to a maximum of 3 years. It offers coverage for sudden and unexpected recurrence of pre-existing conditions.US citizens living abroad and visiting USA can also buy Patriot Platinum Insurance.

Patriot Platinum health insurance review, Patriot medical insurance

Insurance provider
International Medical Group
Patriot Platinum Rating
AM Best Rating: "A" (Excellent)
Policy maximum

Maximum medical coverage options are: $2,000,000, $5,000,000, $8,000,000

Deductible options

Individual deductible options are: $0, $100, $250, $500, $1000, $2,500, $5,000, $10,000 or $25,000

Plan life - 5 days to 12 months.
Patriot Platinum Insurance can be Patriot Platinum Insurance can be renewed online.
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans
Patriot Platinum Insurance In Network - The plan pays 100%
Patriot Platinum Insurance Out of Network

The plan pays 90% of eligible expenses up to $5000, then 100% up to the Maximum Limit.

Patriot Platinum insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

IMG's Patriot Platinum insurance plan related links

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IMG Patriot America Lite travel insurance

Patriot Platinum travel Insurance - Key Highlights

  • This is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.
  • Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.
  • This plan can provide up to $8,000,000 as policy maximum for individuals below age 70.
  • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.

IMG Patriot Platinum visitor health insurance summary

Patriot Platinum Travel insurance optional riders
  • Adventure Sports Rider
  • Chaperone/Faculty Leader Replacement Rider
  • Accidental Death & Dismemberment
  • Bolt Device Protection (Cellular Phone Rider)
  • Trip Cancellation, Interruption and Travel Delay Rider
Click here to read more

Patriot Platinum insurance renewal
  • Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.
  • Prior to the end of each period of coverage purchased, you will receive renewal information.
  • You have the option to renew online or you may complete a paper renewal form.
  • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.

Eligibility to buy Patriot Platinum health insurance
  • Offers coverage for US Citizens travelling outside the US with coverage for brief to USA.
  • Offers coverage for Non US citizens travelling outside their home country.
  • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
  • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Provides coverage for non-U.S. citizens traveling outside their home country.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased. US citizens/Expats living outside USA and visiting USA can buy Patriot America Platinum Insurance.

Patriot Platinum insurance links

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Patriot Platinum America Insurance cost per month for seniors

The cost of Patriot Platinum America insurance for seniors is dependent on the following factors the age of the traveler,the plan maximum and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M ,$5M and $8M depending on the age of traveller up to age of 64. $100k coverage is available for people age 65 to 79 years. For above 80 years $20,000 is available.

For Example here we are showing price for one month with deductible of $100.

Age of traveler Maximum of $20,000 Maximum of $2M Maximum of $5M Maximum of $8M Maximum of $100,000
60 - 64 years Not Available $304 $396 $577 Not Available
65 - 69 years Not Available Not Available Not Available $340 Not Available
70 - 79 years Not Available Not Available Not Available $503 Not Available
80 - 99 years Not Available Not Available Not Available Not Available $1323

Plan benefits of Patriot Platinum insurance

  In-Patient Medical Benefits
Eligible medical expenses Up to the maximum limit
Hospital room and board Average semi-private room rate, including nursing services
Surgery Up to the maximum limit
Intensive care unit Up to the overall maximum limit.
Physician visits Physician visits or services: Up to the maximum limit
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Bedside visit $1,500 maximum limit. Not subject to deductible
Prescription drugs and medications Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Supplemental Accident Maximum limit per covered accident: $300
Physical Therapy Up to the maximum limit (Medical order or treatment plan required)
Urgent Care Clinic $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray Up to the maximum limit
Laboratory Up to the maximum limit
Outpatient Surgical / Hospital Facility Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Reconstructive Surgery Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Chiropractic Care Up to the maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Emergency local ambulance Up to the maximum limit
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer Company pays 100%
Emergency eye examination $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic dental injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency medical evacuation Up to $1,000,000
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation $100,000 maximum limit. Not subject to deductible
Emergency reunion $100,000 maximum limit. Not subject to deductible
Natural disaster evacuation $25,000 maximum limit. Not subject to deductible
Trip interruption $10,000 maximum limit. Not subject to deductible
Emergency reunion $50 per item, $500 maximum limit. Not subject to deductible
Identity theft $500 maximum limit. Not subject to deductible
Natural disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 maximum limit. Not subject to deductible
Small pet common air carrier accidental death $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Accidental death & dismemberment $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Acute Onset of Pre-Existing Conditions Up to the maximum limit.(Insured person must be under 70 years of age) United States citizens:
Age 64 and under without a primary health plan: Maximum limit: $20k
Age 64 and under with a primary health plan: Maximum limit: $1M
Age 65 through age 69: Maximum limit: $2,500
Non-United States citizens:
Age 69 and under: Up to the period of coverage limit or $1M (whichever is lower)
Pre-Existing condition medical evacuation $25k maximum limit for emergency medical evacuation
Personal liability $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Extended care facility Up to the maximum limit
Pet return $1,000 maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit
Telehealth Optional add-on available

Expand your coverage, Select your coverage options with add on benefits

Adventure Sports Rider

Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

Adventure Sports Rider - More Details

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)

Chaperone Replacement Rider - More Details

The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.

Accidental Death & Dismemberment - More Details

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

*Rider option is available in select countries on individual plans only.

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

**Rider option is available an individual plans far U.S. residents only.

Insured Person meets the eligibility requirements, they are eligible for this rider

Benefit Limits
Teladoc Consultation Mental or Nervous Disorders are not covered
Applicable in the United States
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Patriot Platinum insurance PPO network

Patriot Platinum Insurance - Provider network and how to find hospital or doctor?
United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

IMG Patriot Platinum insurance - Frequently asked questions

Yes Patriot Platinum insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot Platinum insurance within a 6 month time period after arriving in the US.

International Medical Group (IMG) offers the Patriot Platinum Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot Platinum Policy can be cancelled by submitting a written request to However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

Yes Patriot Platinum Insurance insurance is available up to a maximum of 364 days. Visitors to USA can renew Patriot Platinum insurance online to extend their coverage.

To buy the Patriot Platinum insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.

You can purchase Patriot Platinum travel medical insurance on American Visitor Insurance at buy Patriot Platinum Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Patriot Platinum travel health insurance from licensed insurance agents.

Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.

Patriot Platinum Insurance Restrictions

Patriot Platinum Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.

Patriot Platinum Insurance Claims


Fax: 317-655-4505




International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500

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