Patriot Platinum Insurance Reviews

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International Medical Group Insurance

Patriot Platinum travel insurance

Patriot Platinum travel insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America. When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America. Patriot Platinum travel insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Patriot Platinum Reviews,Patriot Platinum Review to USA

Policy maximum
$20k $50k $80k
Deductible options
$0 $100 $250 $500 $1,000 $2,500 $5,000 $10,000 or $25,000
Insurance provider
International Medical Group
Patriot Platinum rating
AM Best Rating: "A" (Excellent)
Patriot Platinum insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation (publ) White Mountains Insurance Group Company.
Coinsurance of IMG Patriot Platinum
In Network - The plan pays 100%
Out of Network

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

Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot Platinum Links

  • Brochure
  • Details
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider network
  • Compare plans
  • Comprehensive
Key Highlights of Patriot Platinum Insurance

Key Highlights of Patriot Platinum Insurance

  • 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 years for up to $1,000,000.
  • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
  • This plan can provide up to $8,000,000 as policy maximum for individuals aged below age 70 years
  • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.
  • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

Covid19 IMG travel insurance coverage for Coronavirus

The Patriot Platinum insurance include COVID 19 coverage up to the policy maximum

Patriot Platinum travel insurance

  • Covers travelers travelling outside their home country.
  • Offers plan maximum options up to $8 million.
  • Provides optional coverage for adventure sports up to $50,000.

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.

View complete details of benefits

A working example of using Patriot Platinum travel insurance*

Consider an example where your:
  • Insurance coverage is $1,000,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US and outside the PPO: After the deductible, 90% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $17,500
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $17,500 minus $100 equals $17,400. Insured bears $100
  2. Apply 90% coinsurance for first $5,000 of $17,400. i.e. $5,000*0.90 equals $4500. Insurance Company will pay upto $5,000. Insured bears $500
  3. Plan/insurance company pays: $17,400 minus $500 equals $16,900 and insured bears $600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,500+$1000 $500 (10% of first $5,000)
Surgery $10,000 $10,000 $0
Prescription Drugs $400 $400 $0
X Ray $1,000 $1,000 $0
Total: $17,500 $16,900 $600
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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What are some insurance terms important in Patriot Platinum Insurance reviews

  • Plan Maximum coverage of Patriot Platinum travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot Platinum insurance offers maximum coverage up to 8 million.
  • What is a deductible in Patriot Platinum visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot Platinum insurance has deductible options from $0 up to $25,000.
  • What is a provider network of Patriot Platinum Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Patriot Platinum visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot Platinum plan pays 100% coverage outside USA.
    For coverage inside USA:
    Patriot Platinum pays
      The plan pays 100%.
      The plan pays 90% up to $5,000, then 100%.
  • Renewability of Patriot Platinum Travel health insurance
    Patriot Platinum Insurance can be renewed from 5 days up to 12 months.
  • Eligibility to buy Patriot Platinum Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot Platinum has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Patriot Platinum Pre-existing conditions Visitors Insurance for international travelers
    Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
  • Underwriter and Eligibility of Patriot Platinum Insurance
    Patriot Platinum Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

Patriot Platinum Travel Insurance - Common Questions

Patriot Platinum Insurance - FAQ's

01. Does Patriot Platinum insurance cover Covid ? Does Patriot Platinum insurance cover Coronavirus ?

Patriot Platinum covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot Platinum insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

02. What are the benefits of Patriot Platinum insurance?

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.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

03. How much does Patriot Platinum cost?

The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit 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 $2,000,000, $5,000,000, $8,000,000 up to age 70.For people age above 70 years plan maximum is reduced o $20,000.

04. What are the requirements for purchasing Patriot Platinum insurance?

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.

05. How do I purchase Patriot Platinum insurance?

You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

06. What is the coverage area of Patriot Platinum insurance?

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.

07. What are the different types of patriot insurance?

The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot Platinum Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.

08. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

09. Which plan offers comprehensive coverage with the highest medical coverage?

Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.

10. Which are the ideal plans for older travelers?

Above 60 years: Patriot Platinum Plus offers coverage for pre-existing conditions up to the age of 70 years Patriot Platinum is available but doesn’t offer coverage for pre-existing conditions.
Above 70 years:
Patriot Platinum and Visitors Care coverage offers limited coverage.
Above 80 years:
Patriot Platinum as it offers coverage $20,000 for travelers over 80 years

Other plans - Visitors Care offer coverage of $10,000

11. Which are ideal plans offering pre-existing conditions cover for senior citizens

Sudden and Unexpected Recurrence of a Pre-existing Condition coverage offered by these plans
Patriot Platinum: $2,500 lifetime maximum.

Visitors CareThis plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years.

12. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

13. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

14. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

15. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

16. What does Patriot Platinum insurance cover?

  • Patriot Platinum insurance provides medical maximum options of $1,000,000, $5,000,000 or $8,000,000.
  • The deductible options available are between $0 to $25,000.
  • Co insurance percentage is paid 100% by IMG for in network treatment taken within the US and for the treatment received outside of the US. For treatment received in the US out of the PPO network, 10% co insurance amount needs to be paid by the insured up to $5000 and then IMG pays 100%.
  • Emergency medical evacuation is covered up to plan limit.
  • Repatriation available for up to $100,000.
  • Emergency dental coverage is available for $250 for treatment due to an accident.
  • AD&D coverage is available for up to $100,000.
  • Political evacuation coverage up to $100,000 and remote transportation costs up to $5000 per Certificate period($20,000 lifetime maximum)
  • Cover for loss or theft of baggage for up to $500.
  • Trip Interruption coverage available up to $10,000.
  • Plan provides coverage for acute onset of pre-existing conditions for up to the age of 70 for up to $1,000,000. $25,000 is available for medical evacuation due to this.
  • The plan provides $8,000,000 as medical maximum for people up to the age of 70.
  • Intensive Care Unit is covered up to the maximum limit on the plan.

17. What is not covered by the Patriot Platinum insurance?

While IMG’s Patriot Platinum travel insurance is comprehensive in nature and provides coverage for an extensive range of travel related benefits, there are some things that are not covered by the plan; Here they are:

  • Pre existing conditions and regular check up appointments.
  • Preventive care such as vaccinations to prevent an ailment.
  • Coverage does not extend to any US issued travel advisory in effect within six months prior to the insurance coverage.

18. What are the eligibility requirements for buying the Patriot Platinum medical travel insurance?

  • This is a comprehensive plan available for US citizens traveling outside of the US and Non US citizens traveling into the US and other countries outside their home country.
  • This plan is extendable to 36 months.
  • Coverage can be purchased for families, individuals or groups.
  • Patriot Platinum International is available with a maximum limit of $1,000000 to $8,000,000 for ages up to 64
  • From the age range of 65 - 69 maximum limit available is 2,000,00.
  • In the age range of 70 - 79 - maximum is $100,000.
  • For 80 and above the maximum limit of $20,000.
  • The international plan can be extended up to 3 years.

Patriot Platinum Insurance Information

  • Patriot Platinum Insurance Advantages

    • Patriot Platinum from IMG covers Covid
    • It is a comprehensive coverage plan.
    • Can be renewed up to three years, if initially purchased for 1 month.
    • This plan covers travelers traveling outside their home country.
    • $100,000 coverage for above 70-80 year old travelers.
    • Max coverage of $8000,000 offered by this plan.
    • Wide range of deductibles to choose from.
    • Additional benefits for Terrorism, sports activities, incidental home country coverage, trip interruption, common carrier AD&D, AD&D and small pet common carrier accidental death.
    • With the exception of the additional riders, available optional riders are for adventure sports, citizenship return rider, personal liability and evacuation plus rider.
    • For US citizens: offers medical coverage for sudden recurrence of pre-existing condition - URC to plan max for below 65 years with a primary health plan .
    • For Non US citizens: offers coverage for sudden recurrence of pre-existing condition up to $50,000 for below 65 years.
    • Refund of premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
    • Universal RX pharmacy discount savings when pharmacy purchased with the participating pharmacies.
    • No Co-insurance for treatment outside the US & Canada.
    • Coinsurance for treatment received within the US & Canada - No Coinsurance within the PPO network. Out of the network, plan pays 90% of eligible expenses up to $5000, then 100% up to maximum limits.
  • Patriot Platinum Insurance Disadvantages

    • Plan can be renewed only if purchased for a minimum of 1 month.
    • Only $20,000 coverage for 80+ travelers.

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 review unique benefits

  • Patriot Platinum is travel insurance for US citizens travelling outside the USA with coverage for brief returns to the US and for non US citizens travelling outside their home country.
  • For those under 65 years of age the coverage must begin within 6 months of arrival in the USA and for those 65 and above the coverage must begin within 30 days.
  • For US citizens up to $50,000 will be paid for eligible expenses of a sudden and unexpected recurrence of a pre existing condition while travelling outside the USA. Premium coverage available for in-patient and out-patient medical expenses.
  • Supplement accident provide up to $300 of first dollar benefits for treatment of an injury. Along with medical benefits, the insured can get coverage for Common carrier accidental death, natural disaster, trip interruption, terrorism coverage.
  • Most of the medical benefits cover up to the Maximum Limit. 12 months benefit period may provide continued coverage.
  • Benefit of up to $500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier
  • Access to a dedicated service team for assistance services
  • If you have purchased the plan for a minimum of 1 month, coverage may be renewed (without break in coverage) for a total of up to 3 years.
  • In case of a emergency hospital admission, pre certification call must be made within 48 hours of the admission or as soon as reasonably possible.
Patriot Platinum insurance

Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains a wide network of health care providers.

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