Patriot Platinum Insurance Cost

Age & Citizenship
Start date
End date
Patriot America Lite Insurance
Insurance provider
International Medical Group
Patriot Platinum insurance rating
AM Best Rating: "A" (Excellent)
Policy maximum?
$2,000,000, $5,000,000, $8,000,000
Deductible options?
$0, $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans
Plan life? - 5 days up to 12 months
Patriot Platinum Insurance can be renewed online
Patriot Platinum insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Platinum Links

  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
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  • Comprehensive coverage
  • Claims
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Patriot Platinum travel 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 $1,000,000.
  • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.
  • This plan can provide up to $8,000,000 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 Platinum America Insurance.

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.

IMG Patriot Platinum travel insurance summary

EligibiltyPatriot 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 Platinum America 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 Platinum America Insurance
Patriot America Lite Travel insurance optional ridersPatriot 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
  • Accidental Death & Dismemberment
  • Bolt Device Protection (Cellular Phone Rider)
  • Trip Cancellation, Interruption and Travel Delay Rider
Click here to read more»
Expenses incured by customer after deductibleCoinsurance 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 $5,000, then 100% up to the Maximum Limit.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • 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.

Steps to buy travel insurance

Complete the quote form by entering your travel information

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Plan benefits of Patriot Platinum insurance

In-Patient Medical Benefits
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 $250,000 (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 $100,000 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 $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. Not subject to deductible
Political evacuation and repatriation $100,000 maximum limit. Not subject to deductible
Remote transportation $5,000 per certificate period / $20,000 maximum limit
Natural disaster evacuation $25,000 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 $10,000 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 $50,000 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: $20,000
Age 64 and under with a primary health plan: Maximum limit: $1,000,000
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 $1,000,000 (whichever is lower)
Pre-Existing condition medical evacuation $25,000 maximum limit for emergency medical evacuation
Accidental death & dismemberment $50,000 principal sum. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Incidental Emergency in the U.S. Up to 2 weeks
Pet return $1,000 maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit
Extended care facility Up to the maximum limit
Personal liability $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

Patriot Platinum Travel Insurance - Common Questions

Does Patriot Platinum insurance cover Covid ? Does Patriot Platinum insurance cover Coronavirus ?

Patriot Platinum covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot Platinum insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

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.

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 $20,000 for travelers over 80 years
Other plans - Visitors Care offer coverage of $10,000

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.

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.

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.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

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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
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.

Thank you,
Cara Hafner

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

The Patriot Platinum America 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.
Customer care
(877) 340 7910

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

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
Find Provider Network

Expand your coverage, select your coverage options with add on benefits

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: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

Adventure Sports Rider - More Details  

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 $3,000 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  

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

The AD&D rider will pay you or your beneficiaries up to $400,000 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  

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.

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.

Compare IMG Patriot America Plus vs Patriot America Lite travel insurance:
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International Medical Group, IMG travel insurance Links