Patriot Platinum is an A- rated comprehensive travel medical insurance plan that offers medical coverage along with travel and emergency assistance services for visitors traveling to the United States. The plan is intended for individuals traveling outside their home country and coverage becomes effective once the insured departs their home country and is en route to or arrives at an eligible destination. Coverage periods are available from a minimum of 5 days up to a maximum of 365 days.
When treatment is received within the United Healthcare PPO network after the deductible has been met, the plan covers 100% of eligible medical expenses up to the selected policy maximum. Medical expenses incurred outside the PPO network are also covered at 100% of eligible costs up to the policy maximum, subject to policy terms and conditions.
Patriot Platinum also includes coverage for COVID-19 the same as any other eligible medical condition, provided the illness occurs after the policy effective date.
Please review Patriot Platinum policy documents for complete coverage and exclusions.
| Insurance Provider | IMG |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
| Urgent Care | In-Network $25 copay, 100% up to Policy Maximum Out-Network $25 copay, 100% up to Policy Maximum |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
| Prescription Drugs / Medicines | 100% up to Policy Maximum |
| Lab & X-rays | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
| Physical Therapy | In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US $5,000, then 100% up to the policy maximum. |
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network 100% up to Policy Maximum Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
| Hospital Intensive Care Unit | In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US $5,000, then 100% up to the policy maximum. |
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Up to 100% Out-Network Up to 100% |
| Emergency Room | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Up to $300 |
| Accidental emergency | 100% covered |
| Dental Emergency | Up to $300 |
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | 100% up to policy maximum |
| Return of mortal remains | Coverage up to a maximum of $50,000 for return of mortal remains to the insured's home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death. |
| Emergency Reunion | Up to $100,000 |
| Return of minor child(ren) | Up to $100,000 |
| Trip Interruption | No Coverage |
| Loss of checked baggage | $50 per item up to $500 maximum per period of coverage |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | No coverage |
| Lost Luggage | Up to $500, $50 per item |
| Terrorism | Up to $50,000 |
| Personal Liability | Up to $25,000 |
| Identity Theft | Up to $500 |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life coverage
| AD&D | Up to $50,000 |
| Common Carrier Accidental Death | Up to $100,000 per Adult; $25,000 per child , to the maximum of $250,000 per family |
Support
| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan covers COVID-19 like any other covered medical condition. Conditions apply. Please read the Description of Coverage. |
| Pre-Existing Conditions | Acute onset of a pre-existing condition coverage, with varying limits by age, up to $1,000,000 for those under 70 years old . For people 70 years & over there is no coverage for acute onset of pre-exiting conditions. $25,000 maximum limit for emergency medical evacuation |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | 100% covered |
| Brochure | Patriot Platinum Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical coverage details.
| Eligible Medical Expenses | In-Network 100% up to policy maximum Out-Network 100% up to Policy Maximum |
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | up to $1,000,000 : Age 69 and below |
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Patriot Platinum is a high-end travel medical insurance plan offered by IMG, designed for individuals, families, and groups traveling outside their home country. It provides comprehensive medical coverage and a wide range of travel assistance services. There are two versions of the plan:
Patriot Platinum International: For U.S. citizens traveling outside the U.S.
Patriot Platinum America: For non-U.S. citizens traveling outside their home country, including the U.S.
Patriot Platinum offers flexible coverage options:
Medical Coverage: Up to $8,000,000
Deductible Options: $0 to $25,000
Policy Duration: From 5 days up to 36 months
Yes, COVID-19 is treated as any other illness under this plan, provided the policy was purchased before the effective date of the illness.
The plan offers coverage for the sudden and unexpected recurrence of pre-existing conditions:
U.S. Citizens:
Under age 65 with a primary health plan: Up to $1,000,000
Under age 65 without a primary health plan: Up to $20,000
Ages 65–69: Up to $2,500
Non-U.S. Citizens:
Under age 70: Up to $1,000,000
Ages 70 and older: Up to $2,500
Patriot Platinum offers several optional riders to customize your coverage:
Adventure Sports Rider: Coverage for certain adventure sports activities.
Evacuation Plus Rider: Provides additional coverage for non-emergency medical evacuations.
Personal Liability Rider: Coverage for personal liability incidents.
Enhanced Accidental Death & Dismemberment (AD&D) Rider: Increases the AD&D coverage limit.
Claims can be submitted online through the IMG website or by contacting their customer service for assistance. It's advisable to keep all receipts and documentation related to the medical treatment or services received.
You can apply for coverage online through OnshoreKare:
The Patriot Platinum plan is renewable. You can extend your coverage for up to 36 months, subject to eligibility. If you need to extend your policy, it’s recommended to do so before the current policy expires. You can apply for a renewal through the IMG website or by contacting their customer support team.
