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Patriot Platinum Insurance Review

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
  • Comprehensive
  • Advantages
  • Disadvantages
  • Details
  • Add on benefits
  • Claims
  • Renewal
  • Provider network
  • Compare plans

Patriot Platinum 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 years for up to $1,000,000.
  • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
  • This plan can provide up to $8,000,000 as policy maximum for individuals aged below age 70 years
  • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.
  • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

Covid19 IMG travel insurance coverage for Coronavirus

The Patriot Platinum insurance include COVID 19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020.

Patriot Platinum travel insurance

  • Covers travelers travelling outside their home country.
  • Offers plan maximum options up to $8 million.
  • Provides optional coverage for adventure sports up to $50,000.

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.

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Review and compare the best Patriot Platinum visitor medical insurance quotes.

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A working example of using Patriot Platinum travel insurance*

Consider an example where your:
  • Insurance coverage is $1,000,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US and outside the PPO: After the deductible, 90% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $17,500
Below is a simple calculation showing how much the plan/insurance company pays you:
Patriot America Insurance
  1. Subtract the deductible from claims amount - $17,500 minus $100 equals $17,400. Insured bears $100
  2. Apply 90% coinsurance for first $5,000 of $17,400. i.e. $5,000*0.90 equals $4500. Insurance Company will pay upto $5,000. Insured bears $500
  3. Plan/insurance company pays: $17,400 minus $500 equals $16,900 and insured bears $600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
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.

Patriot Platinum Insurance Information

Patriot Platinum Insurance advantages

  • Patriot Platinum from IMG covers Covid
  • It is a comprehensive coverage plan.
  • Can be renewed up to three years, if initially purchased for 1 month.
  • This plan covers travelers traveling outside their home country.
  • $100,000 coverage for above 70-80 year old travelers.
  • Max coverage of $8000,000 offered by this plan.
  • Wide range of deductibles to choose from.
  • Additional benefits for Terrorism, sports activities, incidental home country coverage, trip interruption, common carrier AD&D, AD&D and small pet common carrier accidental death.
  • With the exception of the additional riders, available optional riders are for adventure sports, citizenship return rider, personal liability and evacuation plus rider.
  • For US citizens: offers medical coverage for sudden recurrence of pre-existing condition - URC to plan max for below 65 years with a primary health plan .
  • For Non US citizens: offers coverage for sudden recurrence of pre-existing condition up to $50,000 for below 65 years.
  • Refund of premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
  • Universal RX pharmacy discount savings when pharmacy purchased with the participating pharmacies.
  • No Co-insurance for treatment outside the US & Canada.
  • Coinsurance for treatment received within the US & Canada - No Coinsurance within the PPO network. Out of the network, plan pays 90% of eligible expenses up to $5000, then 100% up to maximum limits.

Patriot Platinum Insurance Disadvantages

  • Plan can be renewed only if purchased for a minimum of 1 month.
  • Only $20,000 coverage for 80+ travelers.
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What are some insurance terms important in Patriot Platinum Insurance reviews

  • Plan Maximum coverage of Patriot Platinum travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot Platinum insurance offers maximum coverage up to 8 million.
  • What is a deductible in Patriot Platinum visitors 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 Platinum insurance has deductible options from $0 up to $25,000.
  • What is a provider network of Patriot Platinum Medical 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.
  • What is coinsurance in Patriot Platinum visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot Platinum plan pays 100% coverage outside USA.
    For coverage inside USA:
      Patriot Platinum pays
    • The plan pays 100%.
    • The plan pays 90% up to $5,000, then 100%.
  • Renewability of Patriot Platinum Travel health insurance
    Patriot Platinum Insurance can be renewed from 5 days up to 12 months.
  • Eligibility to buy Patriot Platinum Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot Platinum has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Patriot Platinum Pre-existing conditions Visitors Insurance for international travelers
    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.
  • Underwriter and Eligibility of Patriot Platinum Insurance
    Patriot Platinum Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

special-coveragePatriot Platinum Insurance Restrictions

Patriot Platinum Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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 Platinum 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.

Patriot Platinum review unique benefits

  • Patriot Platinum is travel insurance for US citizens travelling outside the USA with coverage for brief returns to the US and for non US citizens travelling outside their home country.
  • For those under 65 years of age the coverage must begin within 6 months of arrival in the USA and for those 65 and above the coverage must begin within 30 days.
  • For US citizens up to $50,000 will be paid for eligible expenses of a sudden and unexpected recurrence of a pre existing condition while travelling outside the USA. Premium coverage available for in-patient and out-patient medical expenses.
  • Supplement accident provide up to $300 of first dollar benefits for treatment of an injury. Along with medical benefits, the insured can get coverage for Common carrier accidental death, natural disaster, trip interruption, terrorism coverage.
  • Most of the medical benefits cover up to the Maximum Limit. 12 months benefit period may provide continued coverage.
  • Benefit of up to $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
  • Access to a dedicated service team for assistance services
  • If you have purchased the plan for a minimum of 1 month, coverage may be renewed (without break in coverage) for a total of up to 3 years.
  • In case of a emergency hospital admission, pre certification call must be made within 48 hours of the admission or as soon as reasonably possible.

Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
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Compare IMG Patriot America Plus vs Patriot America travel insurance:
C Comprehensive Plans

International Medical Group, IMG travel insurance Links