IMG

Patriot Platinum Travel Insurance

Quotes for Patriot Platinum insurance

IMG travel insurance coverage for Coronavirus (Covid 19)

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Patriot Platinum Insurance

Patriot Platinum Insurance

Insurance provider
International Medical Group
Plan life
5 days up to 12 months
Patriot Platinum Insurance can be renewed online

Patriot Platinum insurance rating
AM Best Rating: "A" (Excellent)
Policy maximum?
$2,000,000, $5,000,000, $8,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans
Patriot Platinum insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

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 Platinum America 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.
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International Medical Group Patriot Platinum insurance summary

Renewal Renewability - 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.
Patriot Platinum insurance coinsurance?
  • For treatment received outside the U.S : IMG pays 100%
  • For treatment received within the U.S :
    • In the PPO Network: IMG pays 100%
    • Outside the PPO Network: IMG pays 90% up to $5,000, then 100%

What is the eligibility to buy Patriot Platinum Insurance?
  • Patriot Platinum International:
    offers coverage for US Citizens travelling outside the US with coverage for brief to USA
  • Patriot Platinum America:
    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.
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Optional-coveragePatriot Platinum 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 Replacement Rider
  • Enhanced AD & D Rider
  • Evacuation Plus Rider

Plan benefits of Patriot Platinum insurance

Benefits Coverage
Intensive care Up to the maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Remote Transportation $5,000 per period, $20,000 lifetime maximum
Acute onset of a Pre-existing Condition Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Emergency room accident Up to the maximum limit
Hospital Emergency Room(Inside the U.S.) Injury: Not subject to Emergency Room Deductible
Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission
Hospital Emergency Room(Outside the U.S.) Up to the maximum limit
Emergency dental treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Supplemental Accident $300 per covered accident
Emergency medical evacuation Up to maximum limit
Emergency reunion $100,000
For a maximum of 15 days
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
Political evacuation $100,000
Natural disaster $25,000 maximum limit. Not subject to deductible
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Trip Interruption $10,000 maximum limit. Not subject to deductible
Bedside Visit $1,500 maximum limit. Not subject to deductible
Remote transportation $5,000per certificate period
$20,000 lifetime maximum
Identity theft assistance Up to $500
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Lost / Theft of luggage, valuables, personal papers $50 per item, $500 maximum limit
Terrorism $50,000 maximum limit
Interfacility Ambulance Transfer Company pays 100%
Sports & leisure activities Up to the maximum limit for basic sports
Incidental home country coverage Up to cumulative of 2 weeks
End of trip home country coverage One month for every four months of travel coverage, up to a maximum of three months
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family
Accidental death & dismemberment $50,000 principal sum
Small pet common carrier accidental death $500 maximum limit
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