Patriot International Platinum Insurance, IMG Patriot International Platinum travel Insurance, Patriot International Platinum visitors insurance for older travelers and pre-existing condition.

Patriot International Platinum Insurance

Patriot International Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot Platinum International offers coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S. The plan is can 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. Complete your Patriot International Platinum insurance application form to ensure you have the coverage you need while traveling to the Outside USA.

Key Benefits of Patriot International Platinum Insurance

Acute onset of a pre-existing condition

Emergency medical evacuation

Urgent Care Clinic

Renewability

UnitedHealth Care PPO

Sports Coverage

Patriot International Platinum Insurance Reviews

Policy maximum
$2M $5M $8M

Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot Platinum International insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation (publ) White Mountains Insurance Group Company.

Plan life - 5 days up to 12 months
Patriot Platinum Insurance can be renewed online. maximum up to 36 months.

Coinsurance of IMG Patriot International Platinum

Coverage Outside USA - The plan pays 100%

Deductible options
$0 $100 $250 $500 $1k $2.5k $5k $10k or $25k

Patriot Platinum International rating
AM Best Rating: "A" (Excellent)

Insurance provider
International Medical Group

Patriot International Platinum Visitor Insurance Links

Brochure
Benefits
Reviews
Claims
Advantages
Disadvantages
Group insurance
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care around the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Application

Patriot International Platinum travel medical insurance - Key Highlights

First-class short-term coverage available from five days up to three years.
This plan provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S
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.
Maximum limits from $2,000,000 to $8,000,000.
Coverage for individuals, groups, and their dependents.
Access to Travel Intelligence App for location-specific alerts & information.

Patriot International Platinum visitor medical insurance summary

Patriot Platinum International Insurance eligibility

Provides coverage for U.S. citizens traveling outside the U.S.
The plan also provides coverage for brief returns to the U.S.

Patriot International Platinum Travel insurance optional riders

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
Chaperone/Faculty Leader Replacement Rider (for groups only)
Accidental Death & Dismemberment
Bolt Device Protection (Cellular Phone Rider)
Trip Cancellation, Interruption and Travel Delay Rider

Click here to read more »

Patriot International 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 International Platinum - UnitedHealth Care Travel insurance PPO network

Patriot Platinum International - Does united healthcare cover US travel and how to find hospital or doctor?

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.

If you purchase Patriot International 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."

Find Provider Network

Plan benefits of Patriot International Platinum insurance

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 $250k (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 dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Emergency medical evacuation	Up to the maximum limit
Emergency reunion	$100k 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 $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children	$100k maximum limit. Not subject to deductible
Political evacuation and repatriation	$100k maximum limit. Not subject to deductible
Remote transportation	$5k per certificate period / $20k maximum limit
Natural disaster evacuation	$25k 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	$10k 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	$50k 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: $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	$25k maximum limit for emergency medical evacuation

Accidental death & dismemberment	$50k principal sum. Not subject to deductible
Common carrier accidental death	$25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible

Incidental Emergency in the U.S.	Up to 2 weeks
Pet return	$1k maximum limit. Not subject to deductible
Durable medical equipment	Up to the maximum limit
Extended care facility	Up to the maximum limit
Personal liability	$25k 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
Telehealth	Optional add-on available

Optional benefits of Patriot International Platinum medical insurance

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 0-49 years: $50k certificate period
Age 50-59 years: $30k certificate period
Age 60-64 years: $15k certificate period

Adventure Sports Rider - More Details

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)

Chaperone Replacement Rider - More Details

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

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

Bolt Device Protection - More Details

^*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.

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.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

Disclaimer:

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.

Patriot International Platinum Insurance Restrictions

Patriot Platinum is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Patriot International Platinum Insurance cost per month for seniors

The cost of Patriot Platinum International 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 International 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	$271	$304	$323
65 - 69 years	Not available	$318	Not available	Not available	Not available
70 - 79 years	Not available	$475	Not available	Not available	Not available
80 - 99 years	$842	Not available	Not available	Not available	Not available

Patriot Platinum International Travel Insurance - Common Questions

Patriot International 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.

Yes.Patriot International Platinum insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

The cost of Patriot International Platinum visitor medical 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 International 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 International 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.

Patriot International Platinum is a comprehensive plan available for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S

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 International 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 International 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 $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 International Platinum: $2,500 lifetime maximum.

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

Yes, adventure sports coverage is available for travelers up to age 65.

Patriot International Platinum Claims Information

Download Patriot Platinum International claims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »

Popular IMG Patriot Travel Medical Insurance Plans

These Patriot travel medical insurance plans are ideal for traveling outside of your home country.

Insurance Plans	Patriot America Lite	Patriot America Plus	Patriot America Platinum
Maximum Limit	Up to $1M	Up to $1M	Up to $8M
Deductible	$0 to $2,500	$0 to $2,500	$0 to $25K
Ideal for	US citizens visiting USA	Acute onset of pre-existing conditions	First-class medical coverage
Extensions	24 months	24 months	36 months
Emergency Medical Evacuation	$1M	$1M	Up to maximum limit
Coinsurance (In Network)	100%	100%	100%
Coinsurance (Out of Network)	80% up to $5K - then 100%	80% up to $5K - then 100%	90% up to $5K - then 100%
Acute Onset of Pre-Existing Conditions
Travel Intelligence
Telehealth	Optional add-on available	Optional add-on available
Evacuation Plus
	Brochure	Brochure	Brochure
	Buy Online	Buy Online	Buy Online

Insurance Plans	Patriot International Lite	Patriot Platinum International
Maximum Limit	Up to $1M	Up to $8M
Deductible	$0 to $2,500	$0 to $25K
Ideal for	Schengen visa	First-class medical coverage
Extensions	24 months	36 months
Emergency Medical Evacuation	$1M	Up to maximum limit
Coinsurance	100% up to the maximum limit	100% up to the maximum limit
Incidental Emergency in the U.S.	Up to 2 weeks	Up to 2 weeks
Acute Onset of Pre-Existing Conditions
Travel Intelligence
Telehealth	Optional add-on available
Evacuation Plus
	Brochure	Brochure
	Buy Online	Buy Online