IMG

Patriot Platinum Travel Medical Insurance

Patriot Platinum Group Travel Insurance Reviews

Patriot Platinum Group Insurance
Insurance Provider
International Medical Group
Policy maximum?
$2,000,000 to $8,000,000
Deductible Options?
$0 to $25,000
Patriot Platinum Group insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Platinum Group Links

IMG Patriot Platinum International Group travel medical insurance reviews

  • Patriot travel insurance for Groups is the Short-term travel medical insurance for groups of five or more individuals and families. Patriot Platinum Group plans offer a complete package of international benefits available 24 hours a day.
  • IMG Patriot Platinum international Group provides coverage for groups of U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S.
  • While Patriot Platinum America Group provides coverage for groups of 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.
  • This plan designed for Groups of travelers wanting first-class medical coverage, Vacationing families and individuals and Groups of executives.
  • Patriot Platinum America insurance offers coverage for Covid19 illness.

International Medical Group’s Patriot Platinum Group plan summary



Plan Options
  • Policy Maximum?: $2,000,000 to $8,000,000
  • Deductible?: $0 to $25,000.
  • Coinsurance?:
    • For treatment received outside the U.S ( Patriot International Platinum) : IMG pays 100%
    • For treatment received within the U.S ( Patriot America Platinum):
      • In the PPO Network: IMG pays 100%
      • Outside the PPO Network: IMG pays 90% up to $5,000, then 100%
  • Benefit Period?:  6 months.
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Plan benefits of Patriot Platinum Group travel insurance

In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Platinum group insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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
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 $250,000 (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 $100,000 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 $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation $100,000 maximum limit. Not subject to deductible
Remote transportation $5,000 per certificate period / $20,000 maximum limit
Natural disaster evacuation $25,000 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.
Trip interruption $10,000 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 $50,000 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: $20,000
    • Age 64 and under with a primary health plan: Maximum limit: $1,000,000
    • 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 $1,000,000 (whichever is lower)
Pre-Existing condition medical evacuation $25,000 maximum limit for emergency medical evacuation
Accidental death & dismemberment $50,000 principal sum. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Incidental Emergency in the U.S. Up to 2 weeks
Pet return $1,000 maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit
Extended care facility Up to the maximum limit
Personal liability $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
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IMG Platinum Group insurance- Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Patriot Platinum Group Insurance Restrictions

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

International Medical Group, IMG travel insurance Links