Patriot Platinum Travel Medical Insurance
IMG Patriot Platinum travel insurance, which provides visitor medical coverage with policy maximums up to $8 million and coverage for acute onset of pre-existing conditions under certain conditions.
What is Patriot Platinum Travel Insurance?
Patriot Platinum is a premium, comprehensive travel medical insurance plan offered by International Medical Group (IMG), designed for international travelers who want the highest level of coverage available in a short-term travel health product.
- Patriot America Platinum - for non-US citizens visiting the US, and US expats returning home (who have maintained foreign health coverage). Coverage up to $8 million.
- Patriot International Platinum - for US citizens and non-US citizens traveling outside their home country (excluding the US as a primary destination). Also up to $8 million.
Who Should Buy Patriot Platinum Visitor Insurance?
A popular visitor insurance choice for older travelers and parents visiting the USA, offering comprehensive medical benefits, emergency medical evacuation, and coverage for eligible acute onset of pre-existing conditions according to policy terms.
Comprehensive travel medical insurance for tourists visiting the USA who want coverage for hospitalization, emergency room visits, urgent care, surgeries, and emergency medical evacuation.
Ideal for short-term business trips, temporary USA stays, and frequent international travelers seeking flexible visitor medical insurance with premium protection benefits.
Access a large PPO network of doctors, hospitals, and urgent care centers throughout the USA to help lower out-of-pocket healthcare costs during medical emergencies.
Travelers needing routine medical care, preventive treatment, maternity coverage, or full long-term coverage for chronic pre-existing medical conditions.
Compare Patriot America Platinum and Patriot International Platinum Insurance
- For non-US citizens visiting the US, and US expats returning home with active foreign health coverage.
- Policy Maximum: $1,000,000 - $8,000,000
- Deductible: $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
- Medical Evacuation: Up to $8,000,000
- Duration: 5 to 364 days (renewable up to 3 years)
- Coverage for acute onset of pre-existing conditions: Cover for travelers under the age of 70
- PPO Network: United Healthcare Network
- Coverage Type: Secondary (Excess)
- For US citizens and non-US citizens traveling outside their home country (excluding the US as primary destination).
- Policy Maximum: $2,000,000 - $8,000,000
- Deductible: $0 to $25,000
- Duration: 5 to 364 days (renewable up to 3 years)
- Coverage for acute onset of pre-existing conditions: Cover for travelers under the age of 70
- Urgent Care Clinic: Covered up to $25 copay.
- Coverage Type: Secondary (Excess)
- Meets Schengen Visa and European Long-Term Visa insurance requirements
What Are the Maximum Coverage Limits for Patriot Platinum Insurance?
The policy maximum is the total dollar amount of benefits available under your Patriot Platinum plan. Once this limit is reached, no additional benefits will be paid. Travelers can choose from four coverage tiers based on their destination, age, and budget.
$1M
Essential
Patriot America Platinum only. Available for travelers under 65 visiting the USA.
$2M
Enhanced
Available on both plans. A strong balance of coverage and affordability for most travelers.
$5M
Premium
Recommended for extended stays, senior travelers under 65, and frequent international travelers.
$8M
Maximum
Highest available. Ideal for travelers who want the most comprehensive protection with no compromise.
Why Choose Higher Coverage?
- A single night in a US hospital can cost $10,000 or more - higher limits ensure you're never underinsured.
- Emergency medical evacuation alone can exceed $100,000; your policy maximum covers this cost.
- ICU stays, surgeries, and specialist care can exhaust lower limits quickly during a serious illness.
- Higher maximums provide greater peace of mind for longer trips and older travelers.
Coverage Limit Availability by Age
- Ages 0–64: All four policy maximums available ($1M, $2M, $5M, $8M).
- Ages 65–69: Maximum coverage capped at $1M (America Platinum) or $2M (International Platinum).
- Ages 70–79: Maximum coverage of $100,000.
- Age 80 and above: Maximum coverage of $20,000.
What Is a Deductible in Patriot Platinum Insurance?
The deductible is the amount the insured must pay before Patriot Platinum insurance starts covering eligible medical expenses.
This premium IMG visitor insurance plan allows travelers to choose a deductible based on their budget, travel duration, and preferred out-of-pocket cost.
Lower deductibles usually result in higher premiums, while higher deductibles can help reduce the monthly insurance cost.
For many travelers visiting the USA, the $250 deductible offers a strong balance between affordable premiums and manageable medical expenses. Younger healthy travelers may consider $500 or $1,000 for lower premium costs.
| Deductible | Premium Impact | Best For |
|---|---|---|
| $0 | Highest premium | Travelers wanting minimal out-of-pocket cost |
| $100 | Higher premium | Visitors preferring lower upfront expenses |
| $250 | Moderate | Best overall value for most travelers |
| $500 | Lower premium | Healthy visitors and shorter trips |
| $1,000 | Low premium | Younger travelers needing basic protection |
| $2,500 | Very low premium | Emergency or catastrophic coverage focus |
| $5,000 - $25,000 | Lowest premium | Maximum premium savings with high risk tolerance |
How Does Coinsurance Work in Patriot Platinum Insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Patriot Platinum insurance pays 100%. And Outside the PPO Network the plan pays 100% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Can the Patriot Platinum Plan Be Extended or Renewed?
- 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.
Who is Eligible for Patriot Medical Health Insurance Insurance Plan?
- Provides coverage for non-U.S. citizens traveling outside their home country.
- 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 America Platinum Insurance.
Why Choose IMG Patriot Platinum Travel Medical Insurance?
Patriot Platinum is best suited for international visitors seeking first-class medical coverage - particularly individuals, families, and groups who want maximum protection up to $8 million. It's ideal for travelers of all ages, including seniors, with no long-term commitment required and coverage renewable up to 3 years.
Pre-existing coverage
Acute onset of pre-existing conditions covered up to $1M for non-US citizens under 70. For US citizens under 65: up to $1M with a primary health plan, or $20,000 without one. Ages 65–69: $2,500.
Emergency evacuation
Medical evacuation covered up to the full policy maximum - the highest level in the IMG Patriot lineup. Political evacuation up to $100,000.
100% in-network coinsurance
Company pays 100% of eligible expenses within the PPO network after the deductible. Outside network: 90% up to $5,000, then 100% to the maximum.
Telehealth add-on
Teladoc available as an optional add-on for US-based consultations (mental health excluded). A global Teladoc rider is also available for worldwide coverage.
Travel intelligence
Included travel intelligence feature to keep you informed of safety conditions and alerts in your destination - unique to the Platinum tier.
Urgent & walk-in clinics
Urgent Care visits covered at just $25 copay. Walk-In Clinic visits at $15 copay. Both are not subject to the deductible.
How Much Does Patriot International Platinum Insurance Cost?
The cost of Patriot International Platinum Insurance ranges from $59 to $765 per month, depending on the traveler's age, selected policy maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
For senior travelers aged 70 to 79, the cost is: $431/month for $100,000 coverage with $250 deductible.
For senior travelers aged 80, the cost is: $765/month for $20,000 coverage with $250 deductible.
Premium based on deductible factor: Higher deductibles = lower premiums
How Much Does Patriot America Platinum Insurance Cost?
The cost of Patriot America Platinum Insurance ranges from $89 to $1,633 per month, depending on the traveler's age, selected policy maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Deductible Adjustment Factors
Premiums are based on deductible factors. Higher deductibles generally result in lower premiums.
What Are the Benefits of IMG Patriot Platinum Insurance?
| Home Nursing Care | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Bedside Visit | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible. |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery | Up to the maximum limit (Surgery must be incidental to and follow a covered surgery under the plan) |
| Anesthesia | Up to the maximum limit |
| Chiropractic Care | Up to the maximum limit |
| Extended Care Facility | Up to the maximum limit |
| Emergency Eye Examination | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
| Radiology / X-ray | Up to the maximum limit |
| Physical Therapy | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Urgent Care Clinic | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. |
| Surgery | Up to the maximum limit |
| Intensive Care Unit | Up to the overall maximum limit. |
| Durable Medical Equipment | Up to the overall maximum limit. |
| Emergency Dental Treatment | $300 maximum limit due to accident or unexpected pain to sound natural teeth. |
| 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 |
| 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 that does not result in direct inpatient hospital admission. Up to the maximum limit. |
| Physician Visits | Up to the maximum limit |
| Interfacility ambulance transfer | Company pays 100% |
| Natural disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation | $100,000 maximum limit. Not subject to deductible |
| Local Burial or Cremation | Up to $5,000 lifetime maximum. |
| Emergency medical evacuation | Up to the maximum limit |
| Return of mortal remains or cremation/burial | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Emergency local ambulance | Up to the maximum limit. |
| Return of minor children | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion | $100,000 maximum limit. Not subject to deductible |
| Remote transportation | $5,000 per certificate period / $20k maximum limit |
| Terrorism | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental Death & Dismemberment | $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible. |
| Personal Liability | $25,000 combined maximum limit. $100 deductible per injury or property damage claim. No coverage for injury to related third parties or damage to related parties’ property. |
| Loss of Checked Baggage | Up to $1,000 maximum limit. Not subject to deductible. |
| Pet Return | $1,000 maximum limit. Not subject to deductible. |
| Small Pet Common Air Carrier Accidental Death | $500 maximum limit. Not subject to deductible. |
| Return Travel | $10,000 maximum limit. Not subject to deductible. |
| Identity Theft | $500 maximum limit. Not subject to deductible. |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, and $250,000 maximum limit per family. Not subject to deductible. |
| Acute Onset of Pre-Existing Condition | 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: $20k Age 64 and under with a primary health plan: Maximum limit: $1M 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 $1M (whichever is lower) |
| Pre-Existing condition medical evacuation | $25,000 maximum limit for emergency medical evacuation |
What Optional Benefits are Included in Patriot Platinum Insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Patriot Platinum insurance travel insurance for adventure sports
Adventure Sports Rider is available for individuals up to 65 years of age. 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.
This plan covers any illness or injury sustained while participating in adventure activities. The covered adventure sports include: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.
| Age | Maximum Coverage |
|---|---|
| 0–49 years | $50,000 certificate period |
| 50–59 years | $30,000 certificate period |
| 60–64 years | $15,000 certificate period |
Chaperone/Faculty Leader Replacement Rider
Groups may purchase the Chaperone/Faculty Leader Replacement Rider or added travel protection.
This rider provides reimbursement of up to $3,000 for a round-trip economy airline ticket for a replacement Chaperone or Faculty Leader if the originally designated individual is unable to travel due to:
- Unexpected death of a relative
- Medical emergency
- Substantial destruction of the insured's principal residence in their home country
Note: This rider is only available with group plans.
Enhanced Accidental Death & Dismemberment Rider AD&D Rider
The AD&D Rider provides additional financial protection by paying up to $400,000 to you or your beneficiaries if death or dismemberment occurs as a direct result of an accident.
Key Highlights:
- Maximum Benefit: Up to $400,000
- Eligibility: Available only for the primary insured person
- Additional Coverage: This is in addition to the base AD&D coverage included in the plan
- Minimum Purchase Duration: 3 months
Note: This is an optional rider and must be selected during the policy purchase.
Accidental Death & Dismemberment - More Details picture_as_pdf
Mobile Device Protection
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdfBolt Device Protection - More Details picture_as_pdf
Trip Cancellation, Interruption and Travel Delay Rider
Available an individual plans U.S. residents only
Should something unexpected happen before or during your trip, this optional rider can help protect you from financial loss by covering:
- Trip Cancellation
- Trip Interruption
- Travel Delay
While all Patriot plans include basic return travel benefits, the Trip Cancellation, Interruption, & Travel Delay Rider offers expanded coverage for unforeseen events.
If you are unable to travel due to a covered reason (such as illness, natural disaster, or other unexpected situations), this rider can reimburse you for up to 100% of prepaid, non-refundable payments or deposits that would otherwise be lost. Protect your travel investment and gain peace of mind before your journey begins.
Teladoc Rider
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
PPO Networks - Finding a Doctor
Using an in-network provider means the plan pays 100% after your deductible. Out-of-network, the plan pays 90% up to $500 then 100%.
The primary network for US care. One of the nation's largest PPO networks with access to thousands of board-certified doctors and hospitals nationwide.
search Find a UHC Doctor
Secondary network option with strong nationwide provider access. Your ID card will indicate which network applies.
search Find a First Health Doctor
What Are the Restrictions of Patriot Platinum Insurance?
Patriot Platinum is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
Pros & Cons of Patriot Platinum Insurance
Patriot Platinum is IMG's premium visitor medical insurance plan designed for travelers seeking high medical coverage limits, first-class benefits, and comprehensive protection worldwide. It is especially suitable for affluent travelers, senior visitors, and those who want maximum financial protection against unexpected medical emergencies.
Advantages
8 benefitsHigh policy maximum options available up to $8 million for eligible travelers.
100% coverage of eligible medical expenses after the deductible when using the PPO network.
Designed for affluent travelers seeking premium visitor medical insurance coverage.
Coverage available for acute onset of pre-existing conditions up to eligible limits.
Access to the UnitedHealthcare PPO network across the United States.
Includes emergency medical evacuation, repatriation, and travel-related assistance benefits.
Coverage available for non-U.S. citizens visiting the USA and travelers worldwide.
Renewable coverage available for extended international stays.
Disadvantages
8 limitationsHigher premiums compared to budget visitor insurance plans.
Not suitable for travelers looking for low-cost visitor insurance coverage.
Routine medical checkups, preventive care, and elective treatments are not covered.
Coverage for pre-existing conditions is limited to acute onset situations only.
Maternity and normal pregnancy-related expenses are generally excluded.
Certain adventure sports and hazardous activities may not be covered.
Coverage terms, exclusions, and benefit limits vary by age and residency.
Not intended for long-term domestic health insurance needs.
Patriot Platinum Insurance - FAQs
Why Should I Buy Patriot Platinum Travel Insurance on American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
Easy Plan Comparison and Purchase: You can buy Patriot Platinum Insurance online through American Visitor while reviewing plan details, understanding coverage options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
Helpful Resources for Better Decisions: We offer detailed FAQs, blog and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
Experienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right IMG plan.
Support When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).
Top Nationalities Buying Patriot Platinum Insurance
Explore the top nationalities choosing Patriot Platinum Insurance for international travel. These markets reflect strong demand for reliable global travel coverage.
India
Canada
UK
Australia
Italy
Singapore
Mexico