Patriot Platinum Insurance, IMG administered, Sirius International underwritten Patriot Platinum America Insurance for Visitor Travel Insurance

Patriot Platinum International^SM provides coverage for U.S. citizens traveling outside the U.s., while Patriot Platinum America^SM provides coverage for non-U.s. citizens traveling outside their home country. Both plans are available for a minimum of 10 days up to a maximum of three years.

Policy Maximum	Maximum medical coverage options are $1,000,000, $5,000,000, $8,000,000 .
Deductible	$0 to $25,000 per each injury or sickness. Family deductible of three times the individual deductible.
Co-insurance	100% coinsurance outside the U.S. & Canada and in the PPO Network within the U.S. & Canada.	90% / 10% of the next $5,000, then 100% up to the policy maximum out of the PPO network within the U.S. & Canada.
Eligibility	- U.S. citizens traveling outside the US and non - U.S. citizen traveling outside their home country.	- For visitors over 65, initial period of coverage must be within 30 days of arrival in the United States.
Pre-Existing Condition Definition	- A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom..
Coverage	- Home country coverage - Trip interruption - Lost luggage	- Terrorism - Accidental death & dismemberment - Common carrier accidental death
Underwriter	Underwritten by Sirius International Insurance Corporation (publ), Sirius International is a White Mountains Insurance Re company.
PPO Network	Please click here to get your Provider Nerwork.
Buy - Online	Apply & purchase online Patriot Platinum Insurance
Brochure	Complete, mail/fax the Patriot Platinum Insurance Brochure along with payment

Patriot Platinum Insurance Benefits

Patriot Platinum International

Patriot Platinum International provides coverage for U.S. citizens traveling abroad for a minimum of five days up to a maximum of three years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to three years.

Patriot Platinum America Insurance

Patriot Platinum America provides coverage for non-U.S. citizens traveling outside their home country for a minimum of five days up to a maximum of three years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to three years.

Eligibility

Patriot Platinum Insurance is available for U.S. citizens traveling outside the US and for non - U.S. citizen traveling outside their home country

Deductible	$0 to $25,000 per each injury or sickness
Benefit Period	12 Months

Trip Interruption	US$10,000
Common Carrier Accidental Death	US$100,000 per adult; $25,000 per child, maximum of US$250,000 per family
Accidental Death & Dismemberment	US$50,000 principal sum
Terrorism Coverage	Up to Policy Maximum
Identity Theft Assistance	Up to US$500 per Period of Coverage

Emergency Evacuation

Each Patriot Platinum plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Policy Limit.

Emergency Reunion

Each Patriot Platinum plan also provides emergency reunion coverage, up to $100,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Mortal Remains

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $100,000.

Returning Minor Children

If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Patriot Platinum Insurance - Exclusions

No benefits will be paid for loss or expense caused by, contributed to, or resulting from:

A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom
Treatment or surgeries which are elective, investigational, experimental or for research purposes.
War, military action, terrorism, political insurrection, protest, or any act thereof.
Immunizations and routine physical exams.
Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
Venereal disease, AIDS virus, AIDS-related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
Injury sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.
Vision or ear tests and the provision of visual or hearing aids.
Vocational, recreational, speech or music therapy.
Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
Willful self-inflicted injury or illness.
Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
Treatment for mental and nervous disorders.
Organ or tissue transplants or related services.
Illness or injury where the trip to the host country is undertaken for treatment or advice for such Illness or injury, except as expressly provided for in the certificate of insurance.
Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

Refund of Policy (Quality Guarantee)

Your satisfaction is very important to the plan underwriter, and to IMG as the plan administrator. If, for any reason, you are not pleased with this product, you may submit a written request for cancellation and refund of your premium. In order to be considered for a full refund, your request for cancellation must be received by IMG prior to your effective date. If you do not have any claims filed with IMG, you may cancel your plan after your effective date, however, the following conditions will apply: 1) you will be required to pay a US$25 cancellation fee and 2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is non-refundable.

Precertification, Emergency Evacuation and Repatriation

For precertification, emergency evacuation and repatriation please call IMG in the U.S. 1-800-628-4664 (toll free) or 1-317-655-4500. Call IMG outside the US: 001-317-655-4500 (collect if necessary). This information will also be provided on your ID card.

IMG must be notified prior to treatment or within 48 hours of an emergency.

To Report Claims

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 317-655-4505 or e-mail: insurance@imglobal.com.