Are you traveling as a Group?
Get a 5% group discount on IMG Patriot America Platinum travel medical insurance.
Get a 5% group discount on IMG Patriot America Platinum travel medical insurance.
Ideal for international travelers outside the U.S., Starting at just $2.96/day
Patriot America Platinum offers first-class medical coverage for non-U.S. citizens visiting the U.S. or its territories. Ideal for families and individuals, it provides up to $8 million in benefits, with flexible durations from 5 days to 3 years.
Key Features: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. After buying the plan, Traveler can get the Patriot America insurance id card and all the plan document by using Patriot America Platinum insurance login. At American Visitor Insurance, USA Travelers can contact the Patriot America Platinum insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
The policy maximum amount of coverage is the total dollar amount of benefits available under the Patriot America Platinum plan. Once the maximum is reached, no additional benefits will be paid.
The deductible is the amount the insured must pay before Patriot medical insurance starts to cover expenses.
Patriot America Platinum insurance has deductible options of : $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000.
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. Patriot America Platinum insurance pays:
Patriot America Platinum is a top-tier travel medical insurance plan designed for non-U.S. residents traveling to the United States. Administered by IMG (International Medical Group) and underwritten by SiriusPoint Specialty Insurance Corporation (rated A- (Excellent) by A.M. Best), this plan offers enhanced benefits, higher coverage limits, and expanded features making it ideal for travelers seeking first-class protection during their visit to the U.S. Top Reasons to Choose Patriot America Platinum
The Patriot America Platinum cost per month is ranges between is starting at just $89 to $1,633 per month, based on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Patriot America Platinum insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $1,000,000 | $2,000,000 | $5,000,000 | $8,000,000 | ||
| 18 – 29 years | $89 | $94 | $122 | $172 | |
| 30 – 39 years | $103 | $109 | $180 | $226 | |
| 40 – 49 years | $138 | $146 | $217 | $291 | |
| 50 – 59 years | $239 | $253 | $359 | $503 | |
| 60 -64 years | $322 | $370 | $435 | $637 | |
| 65 -69 years | $414 | Not available | |||
For senior travelers aged 70 to 79, the cost is $616, with a maximum coverage of $100,000 and a deductible of $250.
For senior travelers 80 years and above, the cost is $1,633, with a maximum coverage of $20,000 and a deductible of $250.
Premium based on deductible factor: Higher deductibles = lower premiums
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 | $5,000 | $10,000 | $25,000 |
|---|---|---|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 | $0.60 | $0.55 | $0.45 |
| 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 limit |
| Physician 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 |
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
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 limit |
|---|---|
| 0-49 years | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
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:
Note: This rider is only available with group plans.
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:
Note: This is an optional rider and must be selected during the policy purchase.
Accidental Death & Dismemberment - More Details picture_as_pdf
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_pdf
Bolt Device Protection - More Details picture_as_pdf
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:
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.
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »Yes.Patriot America Platinum insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
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.
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.
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.
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.
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 America Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
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
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.
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.
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.
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.
To file a claim with Patriot America Platinum Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
Patriot medical insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
Our support team is ready to assist you.
IMG patriot insurance insurance plan with pre-existing coverage.
Click here to read more »American Visitor Insurance works continually and to the best of our ability to ensure that the visitors insurance information is accurate and up-to-date. However despite our efforts this information does change regularly and we cannot guarantee 100% accuracy. Please review the specific travel insurance plan brochure for latest plan benefits.
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