IMG Patriot Platinum Travel Insurance

Best for First-class medical coverageAcute onset of pre-existing conditions US citizens visiting USA

Patriot Platinum insurance cost

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Destinations
Start Date
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Patriot Platinum Insurance, Comprehensive US visitors medical insurance

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot America Platinum offers coverage for Non US citizens travelling outside their home country and Patriot Platinum International offers coverage for US citizens traveling outside US. The plan is can purchased for a minimum of 5 days up to a maximum of 3 years. It offers coverage for sudden and unexpected recurrence of pre-existing conditions.US citizens living abroad and visiting USA can also buy Patriot Platinum Insurance.

Key benefits of Patriot Platinum Insurance

Greencard holders visiting USA

Comprehensive plan

Acute onset of a pre-existing condition

PPO network

Renewability

First-class medical coverage

Patriot Platinum

Patriot Platinum - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

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Patriot Platinum Insurance Reviews

Policy maximum
$2M $5M $8M
Deductible options
$0 $100 $250 $500 $1k $2.5k $5k $10k or $25k
Insurance provider
International Medical Group
Patriot Platinum rating
AM Best Rating: "A" (Excellent)
Patriot Platinum 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.
Coinsurance of IMG Patriot Platinum
In Network - The plan pays 100%
100%
Out of Network
80%

The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

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Patriot Platinum Links

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Key Highlights of Visitors Care

Patriot Platinum travel medical insurance - Key Highlights

  • 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.
  • Patriot America Platinum can be used by green card holders as long as they maintain a residence outside the US.
  • This plan can provide up to $8M as policy maximum for individuals below age 70.
  • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.
  • US citizens/Expats living outside USA and visiting USA can buy Patriot America Platinum Insurance.
  • Coverage for individuals, groups, and their dependents.

IMG Patriot Platinum travel insurance summary


Patriot Platinum insurance Eligibility
Patriot International Platinum
  • Offers coverage for US Citizens travelling outside the US with coverage for brief to USA
Patriot Platinum
  • Offers coverage for Non US citizens travelling outside their home country.
  • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
  • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
Patriot America Platinum Insurance Eligibility
  • 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 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.

Coinsurance of IMG Patriot Platinum Insurance?
  • For treatment received outside the U.S. & Canada: No coinsurance.
  • For treatment received within the U.S. & Canada:
  • In the PPO Network: The plan pays 90% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Patriot 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»

Steps to buy travel insurance


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Plan benefits of Patriot Platinum insurance

  • COVID-19/SARS-CoV-2 Coverage Patriot Platinum 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
    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

Add on benefits available

01. 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.

  • 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  

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)

Chaperone Replacement Rider - More Details  

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  

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  

Bolt Device Protection - More Details  

*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.

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 Platinum Travel Insurance - Common Questions

01. What is Patriot Platinum insurance?

Patriot 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.

02. Does Patriot Platinum Insurance cover pre-existing conditions?

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

03. Does Patriot Platinum insurance cover Covid?

Patriot Platinum insurance includes eligible medical expenses coverage resulting from COVID up to the medical maximum.

04. What are the benefits of Patriot Platinum insurance?

Patriot 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.

05. How much does IMG Patriot Platinum travel insurance cost?

The cost of Patriot 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.

06. What are the requirements for purchasing Patriot Platinum insurance?

To buy the Patriot 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.

07. How do I purchase Patriot Platinum insurance?

You can purchase Patriot 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.

08. What is the coverage area of Patriot Platinum insurance?

Patriot 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.

9. 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.

10. Which plan offers comprehensive coverage with the highest medical coverage?

Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.

11. Which are the ideal plans for older travelers?

Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot 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

12. 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: $2,500 lifetime maximum.

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

13. 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.

14. 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.

15. Who is eligible for Patriot Platinum travel medical insurance?

Patriot Platinum travel medical insurance has two versions: Patriot International Platinum and Patriot America Platinum. Patriot International Platinum provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America Platinum 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

16. Are adventure sports covered in the Patriot Platinum Plan?

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

17. 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.

18. 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.

19. Can I buy the Patriot Platinum insurance and renew coverage later?

Yes, you can buy the Patriot Platinum insurance and renew your coverage later. 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. 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.

International Travel Insurance by IMG

  • Insurance Plans Patriot America Lite
    Patriot America Lite
    Patriot America Plus
    Patriot America Plus
    Patriot America Platinum
    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
    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%
    Covid19 Coverage Not Applicable
    Acute Onset of Pre-Existing Conditions Not Applicable
    Travel Intelligence Not Applicable Not Applicable
    Telehealth Not Applicable Not Applicable
    Evacuation Plus Not Applicable Not Applicable
    Brochure Brochure Brochure
    Buy Online Buy Online Buy Online
  • Insurance Plans Patriot International Lite
    Patriot International Lite
    Patriot International Platinum
    Patriot Platinum International
    Maximum Limit Up to $1M Up to $8M
    Deductible $0 to $2,500 $0 to $25K
    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
    Covid19 Coverage
    Acute Onset of Pre-Existing Conditions
    Travel Intelligence Not Applicable
    Telehealth Not Applicable
    Evacuation Plus Not Applicable
    Brochure Brochure
    Buy Online Buy Online
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Top nationalities who buy Patriot Platinum Travel Insurance

Patriot Platinum travel insurance coverage for Covid19

The Patriot Platinum coronavirus insurance includes COVID19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020. Customers who would like to renew or extend their existing plans set to expire on or after September 1st 2020 and wish to receive the new Covid coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.

Patriot Platinum Insurance Restrictions

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

IMG Patriot Platinum Covid Insurance

Patriot Platinum plan with Covid coverage in the US
Hi,
I have a Patriot platinum travel insurance policy for my trip back to the USA on 11/26. It was purchased on 10/23/20. I have read conflicting info re whether Covid19 is covered- one document sent to me said if USA is in alert level 4, it is not covered but then your website says that it is. I want to be sure about the coverage before I go to the USA..

Regards,
Cara Hafner
Dear Cara,

Thank you for contacting us at American Visitor Insurance with your inquiry!

The Patriot America Platinum insurance covers Covid19 in the US for the people visiting the US. For coverage outside of the US, the plan does not cover the Covid testing and related treatment. The request for testing should be from a doctor or medical practitioner to get the coverage.It will not be covered if it is requested by any country/airline.


Here is the link of the plan in our website:

Let us know if we can help you any further.

Thanks,
Sincerely,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

IMG visitors insurance related links

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