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Patriot Platinum Insurance

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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.

Patriot Platinum insurance Eligibility

  • Patriot International Platinum:
    offers coverage for US Citizens travelling outside the US with coverage for brief to USA
  • Patriot Platinum:
    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.
  • Patriot Platinum America Insurance Eligibility:
    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 Platinum America Insurance

Patriot Platinum health insurance review

Patriot Platinum Insurance
Best suitable for
US citizens traveling outside the U.S
Administrator
International Medical Group
Patriot Platinum travel insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Patriot Platinum insurance plan life - 5 days to 3 years
Policy Maximum: $2,000,000, $5,000,000, $8,000,000

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Plan highlights of Patriot Platinum insurance

Deductible?

Individual deductible options are: $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000per each injury or sickness

Coinsurance?

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 $5,000, then 100% up to the Maximum Limit.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

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Patriot Platinum insurance renewability

  • 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.
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Plan benefits of Patriot Platinum insurance

  In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Platinum insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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
Lost luggage? $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
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

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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.

IMG Patriot Platinum insurance - Frequently asked questions

Does Patriot America insurance cover Covid? Does Patriot Platinum insurance cover Coronavirus?

Patriot America insurance does not provide covid coverage, however Patriot Platinum Plus covid insurance coverage is available for plans purchased after September 1st, 2020. IMG Patriot America Plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

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 cancel@imglobal.com. 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.

Optional Riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Adventure Sports Rider
  • Chaperone/Faculty Leader Replacement Rider
  • Accidental Death & Dismemberment
  • Bolt Device Protection (Cellular Phone Rider)
  • Trip Cancellation, Interruption and Travel Delay Rider

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.

Patriot Platinum Insurance Claims

claims

CLAIMS EMAIL

Email: insurance@imglobal.com
Fax: 317-655-4505

CLAIMS PHONE

1.800.628.4664

MAIL TO

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

CLAIMS FORM

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Patriot Platinum insurance PPO network

IMG maintains a wide network of health care providers.
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Patriot Platinum travel insurance coverage for Covid19

The Patriot Platinum coronavirus insurance includes COVID-19 coverage up to the policy maximum.

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