Patriot America Platinum Insurance for USA Visitors
Patriot America Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. It offers coverage for Non US citizens travelling to US or its territories. The plan can be purchased for a minimum of 5 days up to a maximum of 3 years. It offers coverage for acute onset of pre-existing conditions up to 70 years of age. US citizens living abroad and visiting USA can also buy Patriot America Platinum Insurance. Complete your Patriot Platinum insurance application form or buy online to ensure you have the coverage you need while traveling to the USA.
Key Benefits of Patriot America Platinum Insurance
ecg_heartAcute onset of a pre-existing condition
signal_cellular_alt Comprehensive Coverage
ambulance Emergency medical evacuation
local_hospital Urgent Care Clinic
sync Renewability
United HealthCare PPO
Patriot America Platinum Insurance Reviews
Patriot America Platinum Visitor Insurance Links
Patriot America Platinum benefits - Key Highlights
- First-class short-term coverage available from five days up to three years.
- 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 for up to $1M.
- Medical coverage for unexpected illnesses & accidents up to policy maximum.
- Patriot America Platinum health Insurance for Green Card holders offers coverage as long as they maintain a residence outside the US.
- Maximum limits from $2,000,000 to $8,000,000.
- US citizens/Expats living outside USA and visiting USA can buy Patriot America Platinum Insurance.
- Coverage for individuals, groups, and their dependents.
- Access to Travel Intelligence App for location-specific alerts & information.
Patriot America Platinum travel medical insurance summary
Patriot America Platinum Insurance eligibility
- Provides coverage for non-U.S. citizens traveling to US and its territories.
- 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.
Patriot America Platinum insurance renewability
- 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.
Patriot Platinum America Travel insurance optional riders
- Adventure Sports Rider
- Chaperone/Faculty Leader Replacement Rider (for groups only)
- Accidental Death & Dismemberment
- Bolt Device Protection (Cellular Phone Rider)
- Trip Cancellation, Interruption and Travel Delay Rider
Coinsurance of IMG Patriot America Platinum Insurance
- Patriot America Platinum In Network:
The plan pays 100% - Patriot America Platinum Out of Network:
The plan pays 90% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Patriot America Platinum - PPO network
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot America Platinum insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot America Platinum Insurance Network of Hospitals and DoctorsPlan benefits of Patriot America Platinum insurance
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Home Nursing Care help Up to the maximum limit (Upon direct transfer from an acute care facility) Assistant Surgeon help 20% of primary surgeon’s eligible fee Bedside Visit help $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible. Outpatient Surgical / Hospital Facility help Up to the maximum limit Laboratory help Up to the maximum limit Chemotherapy / Radiation Therapy help Up to the maximum limit (medical order or treatment plan required) Pre-Admission Testing Up to the maximum limit Reconstructive Surgery help Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) Anesthesia help Up to the maximum limit Chiropractic Care help Up to the maximum limit Extended care facility help Up to the maximum limit (upon direct transfer from an acute care facility) Emergency eye examination help $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) Hospital Room and Board help Average semi-private room rate up to the maximum limit. Includes nursing service Radiology / X-ray help Up to the maximum limit Physician visits help Physician visits or services: Up to the maximum limit Physical Therapy help Up to the maximum limit (Medical order or treatment plan required) Walk-In Clinic help $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Urgent Care Clinic help $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. Traumatic Dental Injury help Traumatic Dental Injury (Treatment at a hospital facility due to an accident): Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. Surgery help Up to the maximum limit Intensive care unit help Up to the overall maximum limit. Durable medical equipment help Up to the maximum limit Dental Treatment help $300 maximum limit due to accident or unexpected pain to sound natural teeth Prescription Drugs and Medications help Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) Supplemental Accident help Maximum limit per covered accident: $300 Hospital emergency room help 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 limitPhysician visits help Up to the maximum limit Hospital Indemnity help $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible -
Interfacility ambulance transfer help Company pays 100% Natural disaster help $250 per day and maximum limit of five days for accommodations. Not subject to deductible. Political evacuation and repatriation help $100,000 maximum limit. Not subject to deductible Emergency medical evacuation help Up to the maximum limit Return of mortal remains or cremation/burial help 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 help Up to the maximum limit. Return of minor children help $100,000 maximum limit. Not subject to deductible Natural disaster evacuation help $25,000 maximum limit. Not subject to deductible Emergency reunion help $100,000 maximum limit. Not subject to deductible Remote transportation help $5,000 per certificate period / $20,000 maximum limit Terrorism help Up to $50,000 maximum limit. Not subject to deductible -
Accidental death & dismemberment help $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible Personal liability help $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 Pet return help $1,000 maximum limit. Not subject to deductible Small Pet Common Air Carrier Accidental Death help $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person) Return travel help $10,000 maximum limit. Not subject to deductible Identity theft help $500 maximum limit. Not subject to deductible Common carrier accidental death help $25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible -
Lost luggage help $50 per item, $500 maximum limit. Not subject to deductible -
Telehealth Optional add-on available
Optional benefits of Patriot America Platinum insurance for Visitors
01. Patriot America Platinum travel insurance for adventure sports
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.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50k certificate period |
| 50-59 years | $30k certificate period |
| 60-64 years | $15k certificate period |
02. Chaperone/Faculty Leader Replacement Rider
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 $3k for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
03. Enhanced Accidental Death & Dismemberment Rider AD&D Rider
The AD&D rider will pay you or your beneficiaries up to $400k 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.
Accidental Death & Dismemberment - More Details picture_as_pdf
04. Mobile Device Protection*
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.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
*Rider option is available in select countries on individual plans only.
05. Trip Cancellation, Interruption and Travel Delay Rider**
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.
06. Teladoc Rider
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation | Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. |
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
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Patriot Platinum America Insurance cost per month for seniors
The cost of Patriot Platinum America insurance for seniors is dependent on the factors namely the age of the traveler, the plan maximum 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 and $8M depending on the age of traveller up to age of 64 years. $100k coverage is available for people aged 65 to 79 years. For above 80 years, $20,000 is available.
For Example here we are showing Patriot America Platinum insurance cost for seniors per month with deductible of $100.
| Age of traveler | Maximum of $20,000 | Maximum of $100,000 | Maximum of $2M | Maximum of $5M | Maximum of $8M |
|---|---|---|---|---|---|
| 60 - 64 years | Not available | Not available | $304 | $396 | $577 |
| 65 - 69 years | Not available | $340 | Not available | Not available | Not available |
| 70 - 79 years | Not available | $503 | Not available | Not available | Not available |
| 80 - 99 years | $1323 | Not available | Not available | Not available | Not available |
Patriot America Platinum Travel Insurance - Common Questions
1. What is Patriot Platinum America insurance?
Patriot America Platinum insurance is a type of travel medical insurance that offers comprehensive coverage and temporary first-class health insurance for individuals, families, and groups. It is designed for travelers who are looking for the highest level of coverage and service in a short-term travel medical product. 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.
2. Does Patriot America Platinum Insurance cover pre-existing conditions?
Yes.Patriot America Platinum insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
3. What are the benefits of Patriot Platinum America insurance?
Patriot America 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.
4. How much does IMG Patriot America Platinum travel insurance cost?
The cost of Patriot America 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.
5. What are the requirements for purchasing Patriot America Platinum insurance?
To buy the Patriot America 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.
6. How do I purchase Patriot Platinum America insurance?
You can purchase Patriot America Platinum travel medical insurance on American Visitor Insurance at buy Patriot Platinum Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Patriot Platinum travel health insurance from licensed insurance agents.
7. What is the coverage area of Patriot America Platinum insurance?
Patriot America 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.
8. 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.
9. Which plan offers comprehensive coverage with the highest medical coverage?
Patriot America 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 America Platinum offers coverage for pre-existing conditions up to the age of 70 years
Patriot America Platinum is available but doesn’t offer coverage for pre-existing conditions.
Above 70 years:
Patriot America Platinum and Visitors Care coverage offers limited coverage.
Above 80 years:
Patriot Platinum as it offers coverage $20k for travelers over 80 years
Other plans - Visitors Care offer coverage of $10k
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 America: $2,500 lifetime maximum.
Visitors CareThis plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years.
12. Who is eligible for Patriot America Platinum travel medical insurance?
Patriot America Platinum travel medical insurance has two versions: Patriot Platinum International and Patriot Platinum America . Patriot Platinum International provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while patriot platinum america for us visitors provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance
13. Are adventure sports covered in the Patriot America Platinum Plan?
Yes, adventure sports coverage is available for travelers up to age 65.
14. Does the IMG Patriot insurance plan meet Visa requirements?
Yes, the IMG Patriot insurance plan meets the visa requirements for most types of visas, such as J1, J2, F1, F2, M1, M2, and A visas. These visas are usually issued for students, scholars, and cultural exchange participants who travel to the U.S. or abroad for educational or cultural purposes.
15. Which medical network do I have access to in the US with Patriot America Platinum insurance?
With Patriot America Platinum insurance, you have access to the United Healthcare Options network when seeking treatment in the U.S. This is a national network of board-certified doctors and healthcare facilities that can provide you with quality care and reduce your out-of-pocket costs.
16. Can I buy the Patriot America Platinum insurance and renew coverage later?
Yes, you can buy the Patriot Platinum America insurance and renew your coverage later. Patriot Platinum travel medical 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. There is a $5 admin fee when you extend the policy. It is recommended to extend your policy a day before the policy expiration date. Once the policy expires, you no longer have the option for extension.
Patriot America Platinum Claims Information
Download Patriot America Platinum insurance claims form
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Steps to buy travel insurance
Complete the quote form by entering your travel information
Review the best insurance plans of reliable US providers
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Top nationalities who buy Patriot America Platinum Insurance
Resourceful links for IMG Patriot Travel Insurance
Patriot Travel Insurance FAQ
Frequently asked questions and answer about travel insurance plans
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IMG popular travel health insurance plan with pre-existing coverage.
Read more »Patriot Travel Insurance Forum
Customer queries about Patriot America Platinum insurance plan
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