Patriot International Platinum Insurance
First class medical insurance for US citizens traveling outside the U.S
Are you traveling as a Group?
Available 5% Patriot International Platinum group travel insurance discount.
What is 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.
After buying the plan, Traveler can get the Patriot International Platinum insurance id card and all the plan document by using Patriot International Platinum login. At American Visitor Insurance, International Travelers can contact the Patriot International Platinum insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Patriot International Platinum Insurance Reviews
How much is Patriot International Platinum travel insurance coverage?
What is a deductible in Patriot International Platinum insurance?
What is a Coinsurance in Patriot International Platinum insurance?
What are the key highlights of Patriot International Platinum insurance?
- Acute onset of pre existing condition up to the age of 70 for up to $1,000,000
- 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
- Medical coverage for unexpected illnesses & accidents up to policy maximum.
- Coverage for individuals, groups, and their dependents.
- Access to Travel Intelligence App for location-specific alerts & information.
- Urgent Care Clinic covered up to $25 copay.
Who is eligible for Patriot International Platinum insurance plan?
- Provides coverage for both US and Non US citizens traveling outside the U.S.
- The plan also provides coverage for brief returns to the U.S.
Can the Patriot International Platinum insurance 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.
How much does Patriot International Platinum insurance cost per month?
The Patriot International Platinum cost per month is ranges between $177 to $1476. This is dependent on the factors namely age of the traveler, length of insurance coverage, 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 $2,000,000 ,$5,000,000 and $8,00,000 up to 64 years, $2,000,000 is available for ages 65 to 69 years, $100,000 0s available for age 70 to 79 years and $20,000 is available for people ages over 80.
For Example here we are showing price for one month with deductible of $250.
| Age of traveler | Medical Maximum $2,000,000 | Medical Maximum $5,000,000 |
|---|---|---|
| 40 -49 years | $116 | $140 |
| 50 – 59 years | $197 | $233 |
| 60 -64 years | $246 | $276 |
- For individuals aged 65 to 69 years, the cost is $289 for a $1,000,000 maximum coverage limit with a $250 deductible.
- For individuals aged 70 to 79 years, the cost is $431 for a $100,000 maximum coverage limit with a $250 deductible.
- For individuals aged 80 years, the cost is $765 for a $20,000 maximum coverage limit with a $250 deductible
What are the benefits of IMG Patriot International Platinum Insurance?
| 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 |
| Acute Onset of Pre-Existing help | 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 |
Optional benefits of Patriot International Platinum medical insurance
01. Patriot Platinum International travel Insurance Adventure Sports Rider
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
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.
What is the Patriot International Platinum Insurance PPO network?
When outside the U.S., you can also enjoy access to quality healthcare worldwide with our IMG's proprietary International Provider Access (IPA network) that includes more than 45,000 accomplished physicians and facilities allows you to access quality care worldwide. The IPA search tool will identify providers with direct billing.
local_hospital IPA network local_hospital Find Provider NetworkPatriot International Platinum health insurance FAQ’s
1. What is Patriot International Platinum insurance?
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.
2. What are the requirements for purchasing Patriot International Platinum insurance?
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.
3. How do I purchase Patriot Platinum International insurance?
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.
4. What are the different types of patriot insurance?
The various types of Patriot Insurance plans differ based on the level of coverage they provide. For example, the Patriot America Insurance plan offers coverage for non-U.S. citizens traveling to the USA.
The Patriot America Plus Insurance plan also covers non-U.S. citizens traveling to the USA, but includes extra benefits, such as coverage for Acute on set of pre-existing coverage, adventure sports.
Meanwhile, the Patriot Platinum America Insurance plan is designed for non-U.S. citizens traveling to the USA and this plan offers first class coverage up to $8,000,000 and Patriot Platinum international available for US citizens traveling outside USA.
5. Which plan offers comprehensive coverage with the highest medical coverage?
Patriot International Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
6. Which are the ideal plans for older travelers?
Above 60 years:
Patriot International Platinum 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
7. 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 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.
How do I file a claim with Patriot International Platinum Insurance?
To file a claim with Patriot International Platinum Insurance, follow these steps:
- Download the Claims Form: Access the Patriot International Platinum insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Patriot International Platinum Insurance?
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!
India
Canada
UK
Australia
Italy
Singapore
Russia