IMG Patriot Platinum Insurance
Best travel health insurance for travelers to US and outside their home country.
Are you traveling as a group?
Available 5% Patriot Platinum group travel insurance discount.
What is Patriot Platinum insurance?
Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.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. These plan have two options:
- Patriot America Platinum: Provides coverage for non-U.S. citizens traveling to US and its territories.
- Patriot Platinum: Provides coverage for U.S. citizens traveling outside the U.S.
Complete your Patriot Platinum insurance application form to ensure you have the coverage you need while traveling to the USA.
After buying the plan, Traveler can get the Patriot Platinum insurance id card and all the plan document by using Patriot Platinum insurance login. At American Visitor Insurance, USA Travelers can contact the Patriot 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 Platinum Insurance Reviews
How much is Patriot Platinum travel insurance coverage?
What is a deductible in Patriot Platinum insurance?
What is a PPO network in Patriot Platinum insurance?
What is a Coinsurance in Patriot Platinum insurance?
What are the key highlights of Patriot Platinum insurance?
- First class medical coverage up to $8,000,000
- Acute onset of pre existing condition up to the age of 70 for up to $1,000,000
- Emergency medical evacuation covered up to policy maximum
- Urgent Care Clinic covered up to $25 copay.
- Optional adventure sports coverage available up to 64 years
- Short-term travel medical coverage for individuals, groups, and their dependents.
- Coverage available from 5 days to 364 days, renewable up to 3 years
Who is eligible for Patriot Platinum insurance plan?
- Provides coverage for non-U.S. citizens traveling outside their home country.
- 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.
Can the Patriot 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 America Platinum insurance cost per month?
The Patriot Platinum America cost per month is ranges between $304 to $1323. 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 $100.
| Age of traveler | Maximum of $2,000,000 | Maximum of $5,000,000 | Maximum of $8,000,000 | Maximum of $100,000 | Maximum of $20,000 |
|---|---|---|---|---|---|
| 60 - 64 years | $304 | $396 | $577 | Not available | Not available |
| 65 - 69 years | Not available | Not available | Not available | $340 | Not available |
| 70 - 79 years | Not available | Not available | Not available | $503 | Not available |
| 80 - 99 years | Not available | Not available | Not available | Not available | $1323 |
What are the benefits of IMG Patriot 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 Conditions 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 |
| Telehealth | Optional add-on available |
Optional benefits of Patriot Platinum insurance for Visitors
01. Patriot Platinum travel insurance for adventure sports
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 Platinum Insurance PPO network?
IMG maintains when inside the U.S., the United HealthCare IMG which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Platinum healthcare 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."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot Platinum PPO network »Patriot Platinum health insurance FAQ’s
1. 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.
2. 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.
3. 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.
4. What is the coverage area of Patriot Platinum insurance?
Patriot Platinum insurance have two options:
- Patriot America Platinum : Available for non-US citizens, including green card holders travelling to the USA. US citizens living outside USA who want to visit US. They must have lived outside the U.S. continuously for the past six months and must have an active health insurance plan in place.
- Patriot International Platinum : Provides coverage for both Non us citizens and us citizens traveling outside the US.
5. What are the different types of Patriot Platinum insurance?
The different types of Patriot Platinum Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Platinum insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot International Platinum Provides coverage for both Non us citizens and us citizens traveling outside the US.
6. 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.
7. Which are ideal plans offering pre-existing conditions cover for senior citizens from IMG?
Patriot America Plus, Visitors care and Patriot Platinum plans offers acute on set of pre-existing conditions up to 70 years. Visitors Protect plan offers pre-existing conditions up to 99 years, minimum purchase for this plan is 90 days.
8. 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.
9. Who is eligible for Patriot Platinum travel medical insurance?
Patriot Platinum travel medical insurance has two versions: Patriot International Platinum and Patriot Platinum America. 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 platinum america for us visitors 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
10. Are adventure sports covered in the Patriot Platinum Plan?
Yes, adventure sports coverage is available for travelers up to age 65. 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.
11. 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.
12. 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.
13. 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.
How do I file a claim with Patriot Platinum Insurance?
To file a claim with Patriot Platinum Insurance, follow these steps:
- Download the Claims Form: Access the Patriot 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 Platinum Insurance?
Patriot Platinum is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
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Resourceful links for IMG Patriot Travel Insurance
Frequently asked questions and answer about travel insurance plans
Read more »IMG popular travel health insurance plan with pre-existing coverage.
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Read more »Compare and review benefits of International Medical Group trip plans
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