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Patriot Travel Insurance vs Patriot Platinum Insurance

Compare travel insurance benefits offered by Patriot America Plus and Patriot Platinum travel medical insurance plans. These two US travel insurance plans are comprehensive 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 Travel vs Patriot Platinum from International Medical Group

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Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing/Covid19
Patriot Platinum
Plan Maximum
Deductible
Patriot Platinum America offers coverage for Covid19
Brochure & Details links
Coronavirus coverage
Not Available Coveres up to policy maximum (contracted and treatment is provided after the policy effective date). Coveres up to policy maximum (contracted and treatment is provided after the policy effective date)
Underwriter
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Eligibility
Patriot America Insurance:
People travelling outside their home country whose destination includes the US and its territories.

Patriot America Plus:
  • Non US citizens travelling to the USA.
  • US citizens living outside USA who want to visit US.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.
  • 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.
    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.
Pre-Existing Coverage
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
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.
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 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
In the PPO Network
IMG pays 100%

Out of the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
Hospital Room and Board
Average semi-private room rate up to the maximum limit. Includes nursing service 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
Dental Treatment
$300 maximum limit due to accident or unexpected pain to sound natural teeth. $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Medical Evacuation
Up to the maximum limit. Not subject to deductible Up to the Maximum Limit
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 Up to $50,000 for Return of Mortal Remains or $5,000 for Cremation/Burial
Terrorism
Up to $50,000 maximum limit. Not subject to deductible. $50,000 maximum limit
Accidental Death and Dismemberment
$$50,000 principal sum. Not subject to deductible. $50,000 principal sum.
Additional Benefits
  • Lost Luggage: $50 per item, $500 maximum limit. Not subject to deductible
  • 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
Optional Riders
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus Rider
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider
Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
  • Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
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.

Compare Patriot America Insurance vs Patriot Platinum Insurance

Travelling to the US can be a great experience but an unfortunate emergency like sudden illness or accidental injuries can ruin your holiday or trip. The health care cost for visitors to US is very high and the situation can be traumatic if the tourist is without US visitor medical insurance. There are many visitors medical insurance offered by top insurance providers and it is a big task to choose the best international travel insurance for USA.

The travelers visiting the US should compare benefits of different travel insurance plan and select the one satisfying their requirements. Patriot Travel insurance are quite popular among international visitors to the US. They are offered by International Medical Group and have the AM Best Rating of A++ (Superior). Patriot Travel Insurance offers plan maximum up to $2 million and is renewable upto 2 years. 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.

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

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America insurance and Patriot Platinum insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America insurance and Patriot Platinum insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance offers maximum coverage up to 1 million and Patriot Platinum insurance offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Patriot America insurance and Patriot Platinum 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 America insurance has deductible options from $0 up to $2,500 and Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000.
  • Compare travel medical insurance provider network for Patriot America insurance and Patriot Platinum 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 America insurance and Patriot Platinum insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network. 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%.
  • Contrast the travel health Insurance renewability options for Patriot America insurance and Patriot Platinum insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance can be renewed up to 2 years while Patriot Platinum insurance can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Patriot America insurance and Patriot Platinum insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America insurance and Patriot Platinum insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while 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.

Patriot Travel Insurance vs Patriot Platinum Insurance USA - FAQs

  • Patriot America Plus
  • Patriot Platinum

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

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

Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.

Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.

Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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

Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.

Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot America 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

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