Patriot Platinum Travel Insurance Reviews

Patriot Platinum insurance cost

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Patriot Platinum travel medical insurance

Ratings
“A” (Excellent) by A.M. Best
Underwriter
Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Ideal for First-class medical coverageAcute on set of pre-existing conditions

Patriot travel insurance reviews

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot America Platinum 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 covers Acute on set of pre-existing conditions up to 70 years.

  • Brochure
  • Benefits
  • Add on Benefits
  • Claims

Patriot Platinum visitor insurance - Key Highlights

  • This is a comprehensive plan.
  • Eligible for Non US citizens traveling to the USA.
  • Acute on set of pre-exisitng condition available up to 70 years
  • The policy maximum options available $8M.
  • This plan can provide up to $8,000,000 as policy maximum for individuals aged below age 70 years
  • This plan is renewable up to 36 months.
  • Covers Emergency medical evacuation available for up to $1M.
  • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

IMG Patriot Platinum insurance reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.
  |   Steve E
Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.
  |   Joan
I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.
  |   Kelli M

Advantages and Disadvantages of Patriot Platinum Insurance

  • Patriot Platinum Insurance Advantages
    • Offers first class medical coverage with $8M.
    • Plan covers acute onset of pre existing condition up to the age of 70 for up to $1M.
    • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.
    • $100,000 coverage for above 70-80 year old travelers.
    • Adventure sports coverage is available as optional rider up to the age of 65 years.
    • Emergency medical evacuation covers up to $1M.
  • Patriot Platinum Insurance Disadvantages
    • Plan can be renewed only if purchased for a minimum of 1 month.
    • Only $20,000 coverage for 80+ travelers.

An Overview of Patriot Platinum, Patriot health insurance review

Eligibility

Patriot Platinum America:
  • Non-U.S. citizens traveling outside their home country.
Patriot Platinum International:
  • Coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S

Renewability

  • Coverage is available from 5 days to 12 months.
  • Renewed online max up to 36 months.

Pre-existing condition

  • Offers Acute onset of pre-existing coverage up to the age of 70 years.
  • $25,000 maximum limit for emergency medical evacuation.

Cancellation

  • Before effective date: Full refund of premium is available.
  • After effective date $50 cancellation fee will be charged by the insurance company.

Coinsurance

For coverage inside USA Patriot Platinum insurance pays:

  • In the PPO Network: The plan pays 100%.
  • Outside the PPO Network: The plan pays 90% up to $5,000, then 100%.

Restrictions

Plan excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.

A working example of using Patriot Platinum insurance*

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $250 per certificate period
  • Your claims for medical expenses is $24,250
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,250 minus $250 equals $24,000. Insured bears $250
  2. Plan/insurance company pays 100%: $24,250 and insured bears $250
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $0
Days in hospital $2,000/day for 3 days $4,500+$1000 $500 (10% of first $5,000)
Surgery $10,000 $10,000 $0
Prescription Drugs $400 $400 $0
X Ray $1,000 $1,000 $0
Total: $17,500 $16,900 $600
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Plan details of Patriot Platinum insurance

Patriot Platinum travel health insurance - FAQ's

01. What is Patriot Platinum insurance?

Patriot Platinum insurance is a type of travel medical insurance that offers comprehensive coverage and temporary first-class health insurance for individuals, families, and groups. It is designed for travelers who are looking for the highest level of coverage and service in a short-term travel medical product. The plan is can purchased for a minimum of 5 days up to a maximum of 3 years. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

02. Does Patriot Platinum Insurance cover pre-existing conditions?

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

03. Can I buy the Patriot Platinum insurance and renew coverage later?

Yes, you can buy the Patriot Platinum insurance and renew your coverage later. 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. There is a $5 admin fee when you extend the policy. It is recommended to extend your policy a day before the policy expiration date. Once the policy expires, you no longer have the option for extension.

04. What are the benefits of Patriot Platinum insurance?

Patriot Platinum 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.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

05. How much does IMG Patriot Platinum travel insurance cost?

The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.

06. What are the requirements for purchasing Patriot Platinum insurance?

To buy the Patriot Platinum insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.

07. How do I purchase Patriot Platinum insurance?

You can purchase Patriot Platinum travel medical insurance on American Visitor Insurance at buy Patriot Platinum Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Patriot Platinum travel health insurance from licensed insurance agents.

08. What is the coverage area of Patriot Platinum insurance?

Patriot Platinum 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.

9. What are the different types of Patriot Platinum insurance?

The different types of Patriot Platinum Insurance plans vary based on the level of coverage they offer. For example, Patriot America Platinum offers coverage for Non US citizens travelling outside their home country and Patriot International Platinum offers coverage for US citizens traveling outside US.

10. 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.

11. 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 $20k for travelers over 80 years
Other plans - Visitors Care offer coverage of $10k

12. 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.

13. 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.

14. Who is eligible for Patriot Platinum travel medical insurance?

Patriot Platinum travel medical insurance has two versions: Patriot Platinum International and Patriot Platinum America . Patriot Platinum International provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while patriot platinum america for us visitors provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance

15. Are adventure sports covered in the Patriot Platinum Plan?

Yes, adventure sports coverage is available for travelers up to age 65.

16. Does the IMG Patriot insurance plan meet Visa requirements?

Yes, the IMG Patriot insurance plan meets the visa requirements for most types of visas, such as J1, J2, F1, F2, M1, M2, and A visas. These visas are usually issued for students, scholars, and cultural exchange participants who travel to the U.S. or abroad for educational or cultural purposes.

17. Which medical network do I have access to in the US with Patriot America Platinum insurance?

With Patriot America Platinum insurance, you have access to the United Healthcare Options network when seeking treatment in the U.S. This is a national network of board-certified doctors and healthcare facilities that can provide you with quality care and reduce your out-of-pocket costs.

Are you traveling in Groups?

Get quotes for groups of five or more people traveling outside their home country!

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Patriot Platinum - PPO network

Patriot Platinum - Provider network and how to find hospital or doctor? United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Patriot Platinum Insurance cost per month for Seniors

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Patriot Platinum Claims Information


Download Patriot Platinum claims form



Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims»

Top nationalities who buy Patriot Platinum insurance

IMG Travel Insurance related coverage

Patriot Group insurance

Group of 5 or more travelersNewly arrived immigrants

  • Patriot America Lite Group - Coverage for Inside the US
  • Patriot International Lite Group - Coverage for Outside the US

Patriot America Plus insurance

Acute onset of pre-existing conditions

  • US citizens living abroad and visiting USA can also buy this plan.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.

Patriot International Lite

Schengen visaAcute on set of Pre-existing conditions

  • Patriot International Health insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.
  • This plan is very popular for travelers visiting European countries and applying for Schengen Visa.

Patriot America Lite insurance

Parents visiting USAB1 Visa holders

  • Provides coverage for travelling outside their home country when destination includes US and its territories.
  • US citizens living abroad and visiting USA can also buy this plan.

Compare quotes of Patriot Platinum insurance plan with other plans