Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot Platinum America 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.
Greencard holders visiting USA
Acute onset of a pre-existing condition
First-class medical coverage
|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.|
|Bedside visit||$1,500 maximum limit. Not subject to deductible|
|Supplemental Accident||Maximum limit per covered accident: $300|
|Hospital indemnity||$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible|
|Pre-Certification||50% reduction of eligible medical expenses if pre-certification provisions are not met|
|Physician visits||Up to the maximum limit|
|Urgent Care Clinic||$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible|
|Radiology / X-ray||Up to the maximum limit|
|Walk-In Clinic||$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible|
|Laboratory||Up to the maximum limit|
|Outpatient Surgical / Hospital Facility||Up to the maximum limit|
|Chemotherapy / Radiation Therapy||Up to the maximum limit|
|Physical Therapy||Up to the maximum limit (Medical order or treatment plan required)|
|Pre-Admission Testing||Up to the maximum limit|
|Assistant Surgeon||20% of the primary surgeon’s eligible fee|
|Anesthesia||Up to the maximum limit|
|Prescription Drugs and Medications||Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)|
|Reconstructive Surgery||Up to the maximum limit|
|Chiropractic Care||Up to the maximum limit|
|Emergency local ambulance||Up to the maximum limit. Subject to deductible and coinsurance|
|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 medical evacuation||Up to the maximum limit|
|Emergency reunion||$100,000 maximum limit. Not subject to deductible|
|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|
|Remote transportation||$5,000 per certificate period / $20,000 maximum limit|
|Natural disaster evacuation||$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)|
|Natural disaster||$250 per day and maximum limit of five days for accommodations. Not subject to deductible.|
|Return travel||$10,000 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)|
|Identity theft||$500 maximum limit. Not subject to deductible|
|Terrorism||$50,000 maximum limit. Not subject to deductible|
|Lost luggage||$50 per item, $500 maximum limit. 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: $20,000
Age 64 and under with a primary health plan: Maximum limit: $1,000,000
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 $1,000,000 (whichever is lower)
|Pre-Existing condition medical evacuation||$25,000 maximum limit for emergency medical evacuation|
|Incidental Emergency in the U.S.||Up to 2 weeks|
|Pet return||$1,000 maximum limit. Not subject to deductible|
|Durable medical equipment||Up to the maximum limit|
|Extended care facility||Up to the maximum limit|
|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|
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.
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)
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.
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.
*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 is a comprehensive plan available for Non US citizens and US citizens living outside the US and best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. The plan is can purchased for a minimum of 5 days up to a maximum of 3 years. 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.
Yes.Patriot Platinum insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
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.
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.
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.
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 $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.
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.
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.
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.
Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
Above 60 years:
Patriot America 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
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.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
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.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
The Patriot Platinum coronavirus insurance includes COVID19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020. Customers who would like to renew or extend their existing plans set to expire on or after September 1st 2020 and wish to receive the new Covid coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.
Patriot Platinum - Provider network and how to find hospital or doctor?
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
Patriot Platinum plan with Covid coverage in the USHi,
I have a Patriot platinum travel insurance policy for my trip back to the USA on 11/26. It was purchased on 10/23/20. I have read conflicting info re whether Covid19 is covered- one document sent to me said if USA is in alert level 4, it is not covered but then your website says that it is. I want to be sure about the coverage before I go to the USA.Thank you,
Thank you for contacting us at American Visitor Insurance with your inquiry!
The Patriot Platinum America insurance covers Covid19 in the US for the people visiting the US. For coverage outside of the US, the plan does not cover the Covid testing and related treatment. The request for testing should be from a doctor or medical practitioner to get the coverage.It will not be covered if it is requested by any country/airline.
Let us know if we can help you any further.Regards,
Traveling in groups? Get coverage from IMG Patriot Group travel insurance!.
Need coverage for the IMG acute onset of pre-existing conditions insurance?
It is best suited for travelers expecting first-class medical coverage.
Provides coverage for for foreign residents as visitors to the USA.
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