Patriot Platinum Insurance, Review Best Plan, America Visitors, Intl. Travel

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Patriot Platinum Travel Medical Insurance Plan for USA Visitors & International Travelers

Review the Patriot Platinum Travel Medical Insurance offering top rated benefits and features. Patriot Platinum America provides best visitors insurance coverage for foreign residents and non-US citizens visiting USA. Patriot Platinum International provides first class coverage for travelers outside the U.S. and home country. Plan includes coverage for acute onset of pre-existing conditions, administered by International Medical Group (IMG) and underwritten by SiriusPoint Insurance.

COVID-19 / SARS-CoV-2 / Coronavirus: Only the Patriot Platinum America Insurance purchased on or after September 1, 2020 will include coverage up to the plan maximum for COVID-19, if contraction and treatment occur after the policy effective date. The Patriot Platinum International Insurance does NOT include Covid19 coverage. Also, for policies effective from March 11, 2020 through August 31, 2020, COVID-19 will NOT be covered and excluded from coverage. The World Health Organization (WHO) had declared the coronavirus related disease as a pandemic, hence the exclusion applies per the previous policy certificate of insurance document.

Review the Patriot Platinum Insurance that provides first-class travel medical protection for the discerning USA visitor or international traveler. The Patriot Platinum plan offers the best in class features and maximum coverage available in a short-term travel medical product for visitor to the USA, or even the global traveler. Patriot Platinum Insurance offers duration of coverage from a minimum of five days up to a higher maximum renewal length of three years.

Patriot Platinum Travel Medical Insurance adds additional features to the Patriot Travel Medical Insurance plan by providing up to $8,000,000 of maximum coverage benefit with an extensive range of deductibles, including acute onset of pre-existing condition coverage for sudden and unexpected recurrences, with US$50,000 lifetime Maximum for non-U.S. citizens age 65 and under, and up to $2,500 for non-U.S. citizens age 65+. The Patriot Platinum Travel plan also offers exclusive access to IMG Global Concierge and Assistance Services, and offers premium coverage for in-patient and out-patient medical expenses, also offering higher coverage amounts for seniors when visiting USA, or traveling overseas.

Patriot Platinum Travel Medical Insurance offers two plans choices – Patriot Platinum America (Patriot America Platinum) provides coverage for non-U.S. citizens visiting USA and traveling outside their home country, and Patriot Platinum International (Patriot International Platinum) provides coverage for U.S. citizens or foreign nationals traveling outside the United States.

Quote & Buy Patriot Platinum Insurance instantly online for a minimum period of 5 days and up to a total renewable duration of 3 years.

If you prefer not to apply online using the above quote/buy link above, you can also print and complete paper application, mail/fax the Patriot Platinum Insurance Application along with premium payment, calculate the quoted rates using the rate table supplied.

Patriot Platinum Insurance is administered worldwide by International Medical Group (IMG), and the policy coverage is underwritten and issued by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Patriot Platinum Insurance Highlights

Short-term travel medical coverage outside home country
Plan designed to suit both USA visitors or international travelers
Coverage for individuals, families, groups, and their dependents
Suits foreign residents visiting USA, traveling outside their home country
Suits U.S. citizens traveling abroad to any overseas destination
Maximum limit choices, USD 1 million to USD 8 million, ages below 70
One time deductible options range from $0 to a high $25,000
Plan covers acute onset of pre-existing conditions
Extend or renew policy to 3 years (36 months) total duration
Wide PPO network of doctors, hospitals, and other providers
Freedom to seek treatment within or outside PPO network
Save on co-insurance costs within PPO network
Universal Rx pharmacy discount savings included
Access policy certificate on the Client Dashboard online
Professionals to assist and answer routine health related questions

Patriot Platinum Insurance Suits

Discerning USA visitor or international traveler needing the best plan
Relatives or parents visiting USA needing best comprehensive coverage
New immigrants needing interim coverage in USA
Visitors or travelers seeking first-class medical coverage
Tourists or vacationing individuals or families
Business executives needing the best coverage

Patriot Platinum Insurance Information

For detailed plan information, review the Patriot Platinum Insurance Brochure for the summary of benefits table, or the Patriot Platinum Insurance Certificate of Insurance sample document for plan description details and more information. Renew Patriot Platinum Insurance or extend an existing active policy online prior to expiration date, Patriot Platinum Insurance is extendable and renewable up to 36 months (3 years) of continuous coverage.

Patriot Platinum Insurance Review

Patriot Platinum America plan is for foreign residents visiting the United States and traveling outside home country. Patriot Platinum International provides coverage for both non-US and U.S. citizens traveling abroad and outside the United States.

Eligibility: Coverage outside home country of primary residence.
- Anyone visiting the USA and other nations (Patriot Platinum America)
- Anyone traveling abroad outside the U.S. (Patriot Platinum International)
Policy Maximum: Plan offers maximum coverage choices for the life of the plan:
- Age below 70 years, choices from US$1,000,000 to US$8,000,000
- Ages 70 to 79 years, the maximum coverage is limited to $100,000, and
- Ages 80 years and older, it is reduced to only $20,000.
Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 or US$5000 or US$10,000 or US$25,000 deductible per certificate period.
Coinsurance Amount: For treatment received in USA/Canada only, outside the USA/Canada no coinsurance applies.
- Outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible.
- Inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
Policy Duration:
- Minimum purchase period of 5 days to maximum 1 year.
- Continue coverage with renewal period of 3 years total (36 months).
Coverage Benefits: Covers Hospital Room and Board charges, Emergency Room and Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs savings included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
Pre-Existing Conditions: Only acute onset of pre-existing condition coverage is available with this plan for ages below 70 years. Please refer to the “Certificate of Insurance” document for maximum limits and plan exclusions list of conditions that are not covered.
Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation, a top rated global specialty underwriter.
Administrator: Plan is administered in the United States and worldwide by International Medical Group (IMG).

More Information

Patriot Platinum America plan provides sickness/injury coverage for non-U.S. citizens visiting the United States and traveling outside home country. Patriot Platinum International provides coverage for U.S. citizens traveling outside the United States with coverage for brief returns to the U.S. The plan offers periods of coverage from 5 days to 12 months up to a maximum total of thirty-six (36) continuous months. The plan is suitable for individuals, families, and groups of five or more travelers with the best comprehensive benefits and extended concierge services. The plan can be purchased from a choice of a wide range of plan maximum limits and deductible options, and suited for discerning USA visitor or international traveler needing the best plan and at an affordable cost.

The Patriot Platinum Insurance plan offers extended benefits and top-of-line services to meet the needs of the discerning visitors or travelers. Get your health questions answered by board-certified physicians, licensed psychologists, pharmacist, dentists, dietitians and trainers with the Platinum plan. With access to emergency medical services and health treatment, you can enjoy the stay outside home country knowing that their health is protected under this plan for sickness/injury. Review plan benefit information, policy options, coverage details and quote, buy and purchase policy instantly online.

Patriot Platinum Insurance Details

Patriot Platinum Insurance review of the plan information and details as below:

Patriot Platinum America Plan Information & Highlights
	Patriot Platinum – Plan name is Patriot Platinum Travel Medical Insurance, Patriot Platinum America if visiting the U.S., or Patriot Platinum International if traveling outside America.
Quote & Buy Online	Buy Patriot Platinum Insurance, receive proof of coverage and ID cards instantly.
Review Plan Brochure	Patriot Platinum Insurance Brochure
Renew Coverage Online	Renew Patriot Insurance Online, extend coverage dates from 5 days to a total duration of 36 months (3 years) Keeps coverage active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew.
Plan Eligibility	Non-US citizen visiting USA for business or pleasure (Patriot Platinum America), or Foreign national or US citizen traveling outside home country (Patriot Platinum International). Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy, based upon primary residency outside the US.
Coverage Type Selection	Patriot Platinum Insurance product selection: Worldwide, Including USA: Patriot Platinum America is for non-U.S. citizens who are visitors to USA or traveling outside home country. Worldwide, Excluding USA: Patriot Platinum International is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America.
Area of Coverage	Coverage area is outside home country of primary residency.
Coverage Period or Plan Duration	Coverage period minimum length of 5 days to maximum 12 months. Plan is renewable up to a maximum total duration of thirty-six (36) continuous months.
Maximum Medical Benefit	Age 15 days to 69 years: Maximum coverage options include: $1 Million, $5 Million, and $8 Million Ages 70 to 79 years: Maximum coverage limited: $100,000 Age 80 years or older: Maximum coverage limited: $20,000 Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits.
Deductible	Options are $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per certificate period. Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage. After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage.
Emergency Room Deductible	An additional deductible of $250 will be applied for each Emergency Room (ER) visit for treatment of an illness which does not result in a direct Hospital admission. Note: This does not apply for injury with/without a direct Hospital admission.
Coinsurance	For treatment received within USA & Canada: Inside the PPO Network, plan pays 100% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit. Outside of the PPO Network, plan pays 80% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit. For treatment received outside the U.S. & Canada: For the certificate period, there is no co-insurance and plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Note: Coinsurance is per person per 12 month period of coverage. After the first 12 months of continuous coverage, a new coinsurance maximum will apply for each 12 month period thereafter. No more than 3 coinsurance maximums per insured member must be satisfied within the maximum 36 coverage period. Search the PPO network for preferred providers and save on coinsurance costs.
Preferred Provider PPO Network	Search for doctors/hospitals within the Patriot Insurance Provider PPO Network. Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network. Access care at any doctor or hospital, even outside the PPO network.
Inpatient & Outpatient Benefits (Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges)
Inpatient Hospital Room & Board Charges	Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Emergency Room, Intensive Care Unit (ICU) & Surgical Treatment Pre-admission test before hospital admission Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Diagnostic procedures, nursing services, prescription medication. Home Nursing Care and durable medical equipment costs. Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected.
Outpatient Medical Expenses	Charges for outpatient surgical treatment, use of outpatient surgical facility Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected.
Other Treatment & Services	Local Ambulance & Medical Transport Mental & Nervous Disorder, & Substance Abuse Orthopedic treatment Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected.
Hospital Room and Board	Average semi-private room rate up to the maximum limit, including nursing services Note: Hospital Indemnity pays for incidental hospital charges
Intensive Care Unit	Up to the maximum limit, Usual, Reasonable, and Customary (URC) charges apply.
Local Ambulance Expense	Usual, Reasonable and Customary (URC) up to plan maximum limit.
Supplemental Accident Benefit	$300 per covered accident only.
Eligible Medical Expenses	Up to the maximum limit Note: Usual, reasonable and customary (URC) charges, when covered illness or injury results in hospitalization as inpatient.
Sudden and Unexpected Recurrence of a Pre-existing Condition	For Age below 65 years: Up to $50,000 lifetime maximum. For Age above 65 years: Up to $2,500 lifetime maximum. Above amounts for medical expenses for treatment of Acute Onset of Pre-existing Condition, and Up to 25,000 per coverage period for Emergency Medical Evacuation Note: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1. spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2. after the Effective Date; and 3. prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. Only “Acute Onset of Pre-existing conditions” is covered, up to the specified limit by age, if the condition occurs during your coverage period.
Emergency Room (ER) Services	Up to the maximum limit for accident/injury or illness with inpatient admission. Note: For treatment inside the U.S., additional $250 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury.
Evacuation Benefits (Eligible expenses NOT subject to deductible or coinsurance)
Accidental Death & Dismemberment (AD&D)	Principal sum for accidental death: $50,000 The insured members death must occur within 90 days of the accident. For Dismemberment (Loss of limb or sight) please see the schedule in AD&D benefit section in the policy certificate. Note: Not subject to deductible or coinsurance. Excludes loss due to common carrier accident which is separately covered.
Common Carrier Accidental Death	$100,000 per insured adult member $25,000 per insured child. Note: Not subject to deductible or coinsurance. A maximum of $250,000 per insured family involved in the same accident.
Small Pet Common Air Carrier Accidental Death Benefit	$500 for a pet cat or dog up to 30 pounds, traveling with its owner.
Emergency Medical Evacuation	Age below 65 years: Up to the policy maximum per insured member provided. Age below 65 years: This benefit is not available. Note: This benefit amount is in addition to the medical maximum. For acute onset of pre-existing condition, lower amount as specified. This benefit must be approved in advance and coordinated by the plan administrator.
Remote Transportation	Up to $5,000 per insured person per coverage period. Note: This benefit must be approved in advance and coordinated by the plan administrator.
Return of Minor Children	Up to $100,000 per certificate period. Note: This benefit must be approved in advance and coordinated by the plan administrator.
Return or Repatriation of Mortal Remains	Up to $100,000 Maximum Limit per lifetime for return of the Insured Person’s Mortal Remains or ashes to Country of Residence, or Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death. Note: This benefit must be approved in advance and coordinated by the plan administrator.
Emergency Reunion	Up to $100,000 maximum limit per lifetime. Note: This benefit must be approved in advance and coordinated by the plan administrator.
Terrorism	$100,000 maximum lifetime limit, eligible medical expenses only. Note: This benefit is not subject to deductible or coinsurance.
Political Evacuation And Repatriation	$100,000 lifetime maximum. Note: This benefit must be approved in advance and coordinated by the plan administrator.
Incidental Trip Coverage	Up to a cumulative total of 14 days during the coverage period. Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country. This benefit must be approved in advance and coordinated by the plan administrator.
Trip Interruption	Up to US$10,000 per insured person per coverage period.
End-of-Trip Home Country Coverage	Maximum 1 month for every 6 months of continuous coverage. Subject to a maximum 2 months.
Lost Baggage or Theft	Up to $500 per insured person per coverage period. Applies to damage, loss of, or theft of checked luggage or personal items, and for the replacement cost of travel documents. Maximum of $250 per certificate period.
Emergency Dental	$250 maximum limit for necessary treatment of sudden unexpected pain to sound natural teeth. Usual, Reasonable, & Customary for necessary emergency dental treatment due to an accident.
Natural Disaster	Replacement accommodations provided with a maximum $250/day for 5 days per insured person.
Hospital Indemnity	Daily $250 per overnight of inpatient hospitalization charges. Up to a maximum limit of 10 overnight stays covered in the coverage period.
Identity Theft	$500 lifetime maximum limit
Felonious Assault	$10,000 lifetime maximum limit and separate from any medical benefit.
Optional Riders – Can be optionally purchased to enhance policy benefits.
Adventure Sports Rider	Age 0 to 49 years: Lifetime Maximum of $50,000. Age 50 to 59 years: Lifetime Maximum of $30,000. Age 60 to 64 years: Lifetime Maximum of $15,000. Age 65+ years: Not available. Note: Only certain activities are covered to the amounts listed. For sports engaged solely for leisure, recreation, or entertainment purposes.
Evacuation Plus Rider	Non life-threatening medical evacuation: Up to a maximum of $50,000. Natural disaster evacuation: Up to a maximum of $10,000. Note: This benefit is not available to insureds above age 65. Provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. Also offers coverage for evacuations as a result of a natural disaster. Minimum purchase of 3 months coverage required regardless of the minimum number of days being traveled.
Personal Liability Rider	For injury to a third party, there is a $2,000 limit after a $100 deductible. For damage to third person property, there is a $500 limit after $100 deductible. Note: Provides limited protection where insured is responsible for injury or personal property damage to a third party during coverage period.
Patriot Platinum Insurance – Miscellaneous Information
Exclusions & Limitations	Exclusions apply, see Exclusions & Limitations section in plan brochure for details
Pre-certification Requirements	50% reduction of Eligible Medical Expenses if Pre-certification provisions are not met. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits.
Claims & Reimbursement	Download and print the IMG Claims Form in the Client Dashboard to submit proof of claims for review & reimbursement. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered.
Cancellation & Refund	If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, 1. A cancellation fee of US$50.00 will be charged; and 2. Only whole or full month premiums will be considered as refundable. Note: A written (email) request is required.
Client Dashboard	Easy access to the IMG Client Dashboard from anywhere in the world to manage your account.
Worldwide Assistance	Access quality service from International Medical Group 24/7 and 365 days of the year.
Plan Administrator	International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA.
Insurance Underwriter	Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation.
Ratings of Insurance Underwriter	SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.
Application Form	Print and complete paper application, mail/fax the Patriot Platinum Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.
Quote & Buy Online	Patriot Platinum Insurance Quote
Disclaimer	The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details. The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan. All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges. Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period. This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA). To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.

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