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IMG Patriot Platinum Insurance vs Patriot GoTravel Insurance

Compare travel insurance benefits offered by Patriot Platinum Insurance and Patriot GoTravel Insurance plans. These two US travel insurance plans are comprehensives benefit visitor insurance plans for international travel which offer coverage for pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.


Compare Patriot Platinum vs Patriot GoTravel from International Medical Group

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot Platinum
Plan Maximum
Deductible
Patriot Gotravel
Plan Maximum
Deductible
brochure  Brochure & Details links
» Patriot Platinum Insurance Brochure
» Patriot Platinum Insurance Details
» Patriot Platinum Insurance Reviews
» Patriot GoTravel Insurance Brochure
» Patriot GoTravel Insurance Details
» Patriot GoTravel Insurance Reviews
file  Underwriter
Patriot Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot GoTravel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Best Rating  Rating
Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot GoTravel Insurance Rating
AM Best Rating: "A" (Excellent)
Pre-existing  Pre-Existing Coverage
For U.S. citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition:
  • Up to age 65 with primary health plan - Usual Reasonable and Customary up to plan maximum.
  • Up to age 65 without primary health plan - $20,000 lifetime maximum.
  • Age 65+ with or without primary health plan - $2,500 lifetime maximum.
For Non U.S. citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition:
  • Up to $50,000 lifetime maximum for age 65 and under.
  • Up to $2,500 for age 65+.
For U.S. citizens
  • Up to age 65 with primary health plan - Usual Reasonable and Customary up to plan maximum.
  • Up to age 65 without primary health plan - $20,000 lifetime maximum.
  • Age 65+ with or without primary health plan - $2,500 lifetime maximum.
For Non U.S. citizens
  • Up to $50,000 lifetime Maximum for age 65 and under.
  • Up to $2,500 for age 65+.
coinsurance  Coinsurance - for treatment received inside the U.S. & Canada:
In the PPO Network
The plan pays 100%.

Out of the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits
In the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum
Hospital  Hospital Room and Board
Average semi-private room rate up to the maximum limit. Includes nursing service Up to the Maximum Limit for average semi-private room rate
Dental  Dental Treatment
$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance No Coverage
Emergency  Emergency Medical Evacuation
Up to the Maximum Limit No Coverage
  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 No Coverage
Terrorism  Terrorism
$50,000 maximum limit Up to $50,000 lifetime maximum
Accidental  Accidental Death and Dismemberment
$50,000 principal sum $25,000 principal sum
Pre-existing  Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation:
Up to maximum limit No Coverage
Additional  Additional Benefits
  • Supplemental Accident: Up to $300
  • Small Pet Common Air Carrier Accidental Death: Up to $500
  • Remote Transportation: $5,000 per certificate period, $20,000 lifetime maximum
  • Lost / Theft (Luggage, valuables, personal papers): Up to $500
None
Optional  Optional Riders
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
unique  Unique Advantages
Patriot Platinum Insurance Advantages:
  • It is a comprehensive coverage plan.
  • Coverage up to $8 million.Wide range of deductibles to choose from.
  • US expats looking to visit the US can buy Patriot Platinum travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Universal RX pharmacy discount savings when pharmacy purchased with the participating pharmacies.
Patriot Go Travel Insurance Advantages:
  • It is a comprehensive plan.
  • Universal RX pharmacy discount savings for Patriot GoTravel plan holders.
  • Good PPO network.

Compare Patriot Platinum Insurance vs Patriot Gotravel Insurance

Travelling to a foreign country involves high travel and health risks and situations like sudden sickness or accident may arise. You should be aware of the high health care cost abroad and the expense arising from hospitalization can be traumatic without travel medical insurance. Many top rate insurance providers offer a wide range of visitors insurance that is available online and it is important to choose the best international travel health insurance. Patriot Travel insurance are quite popular among international travelers. They are offered by International Medical Group and have the AM Best Rating of A++ (Superior). Patriot Platinum Insurance is ideal for high end travelers offering coverage from $2 million up to $8 million. Patriot Platinum is renewable up to 3 years. Patriot Gotravel Insurance doesn’t offer coverage for emergency medical evacuation and repatriation and can be renewed up to 2 years.

What are factors to consider while comparing Patriot Platinum insurance and Patriot Gotravel insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot Platinum insurance and Patriot Gotravel insurance:
  • Compare visitor medical insurance maximum coverage between Patriot Platinum insurance and Patriot Gotravel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot Platinum insurance offers maximum coverage up to 8 million and Patriot GoTravel insurance offers coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Patriot Platinum insurance and Patriot Gotravel insurance:
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000 and Patriot Gotravel Insurance have a range of deductible option from $0 up to $2,500.
  • Compare travel medical insurance provider network for Patriot Platinum insurance and Patriot Gotravel insurance:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Compare travel insurance coinsurance options for Patriot Platinum insurance and Patriot Gotravel insurance:
    This is a percentage of the bill that the travel has to pay. Patriot Platinum insurance pays no coinsurance within provider network and out of the provider network which is the plan pays 90% up to $5,000, then 100%.Patriot GoTravel insurance pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit within provider network and out of the provider network which is the plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Contrast the travel health Insurance renewability options for Patriot Platinum insurance and Patriot Gotravel insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot Platinum insurance can be renewed up to a total of 364 days while Patriot GoTravel insurance can be renewed up to 2 years.
  • Compare eligibility options of US visitors travel insurance for Patriot Platinum insurance and Patriot Gotravel insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot Platinum insurance and Patriot Gotravel insurance:
    Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation while Patriot GoTravel insurance offers Sudden and Unexpected Recurrence of a Pre-existing Condition upto age 65 life time maximum is $50,000 and for the age 65+ life time maximum is $2,500.

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