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.

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Traveler 1: Age
Traveler 2: Age*
Start Date
End Date
Coverage
Citizenship
*Enter if required: Traveler 2 Age
Insurance Provider
Insurance Provider
International Medical Group
Plan Life
Plan Life
10 days to 3 years.
Policy Maximum
Policy Maximum?
$1,000,000, $5,000,000, $8,000,000
Deductible Options
Deductible Options?
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000

International Medical group Patriot Platinum Insurance plan summary

underwriters Underwriter
Best Rating Rating
  • AM Best Rating: "A" (Excellent)

eligibility Eligibility
  • 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.
emergency-care Coinsurance?
  • For treatment received outside the U.S. & Canada: No coinsurance.
  • For treatment received within the U.S. & Canada:
    • In the PPO Network: No coinsurance.
    • Outside the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Renewal Renewability
  • Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 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.
Optional-coverage 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
  • Citizenship Return Rider
  • Enhanced AD & D Rider
  • Evacuation Plus Rider
  • Personal Liability

Pre-ex Acute Onset of a Pre-existing Condition
  • For US Citizens:
    • Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
      • Up to age 65 with primary health plan - usual, reasonable and customary charges up to plan maximum.
      • Up to age 65 without primary health plan - $20,000 lifetime maximum.
      • 65 years and above with or without primary health plan - $2,500 lifetime maximum.
    • Sudden and Unexpected Recurrence of a Pre-existing Condition (Emergency Medical Evacuation):
      • Up to $25,000 of eligible costs and expenses.
  • For Non US Citizens:
    • Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
      • Up to age 65 - $50,000 lifetime maximum for eligible expenses.
      • Age 65 years and above - $2,500 lifetime maximum.
    • Sudden and Unexpected Recurrence of a Pre-existing Condition (Emergency Medical Evacuation):
      • Up to $25,000.

Plan Benefits of Patriot Platinum Insurance

Benefits Coverage
Hospital room and board Up to the maximum limit
Benefit Period 12 months
Intensive care Up to the maximum limit
Medical expenses Up to the maximum limit
Out-patient medical expenses Up to the maximum limit
Emergency local ambulance Up to the maximum limit
Emergency room accident Up to the maximum limit.
Emergency room illness- with inpatient admission Up to the maximum limit.
Charges incurred for the use of the emergency room for treatment of an illness are covered up to the maximum limit if treatment requires admission to the hospital
Emergency room illness- without inpatient admission Up to the maximum limit with additional $250 deductible.
Charges incurred for the use of the emergency room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.
Emergency dental treatment Injury due to accident: up to maximum limit, covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident.
Sudden dental emergency: $250, for treatment of sudden, unexpected pain to sound natural teeth.
Hospital indemnity Up to $250 per overnight up to a maximum of 10 overnights.
Supplemental Accident Up to $300
It provides up-front, additional protection for unexpected injuries. This benefit provides up to $300 of first-dollar benefits for treatment of an injury. per overnight up to a maximum of 10 overnights.
Emergency medical evacuation Up to maximum limit.
Emergency reunion $100,000
For a maximum of 15 days
Return of mortal remains or cremation/burial $100,000for return of mortal remains
$5,000 for cremation/burial
Return of minor children $100,000.
Political evacuation $100,000.
Natural disaster Up to $250 per day and five days for accommodations
Remote transportation $5,000per certificate period
$20,000 lifetime maximum
Identity theft assistance Up to $500
Lost / Theft of luggage, valuables, personal papers Up to $500
Felonious assault Up to $10,000
Terrorism Up to maximum limit
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 $100,000 per adult, $25,000 per child, maximum of $250,000 per family.
Accidental death & dismemberment $50,000 principal sum.
Small pet common carrier accidental death Up to $500
$500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier. This covers the pet while on the insured’s originating flight from his/her home country, and returning flight to the insured’s home country only. A small pet is a cat or dog up to 30 pounds in weight.
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