Patriot Platinum Group Travel Insurance

Ideal for First-class medical coverageAcute onset of pre-existing conditionsUS citizens visiting USA

Patriot Platinum Group Insurance is travel medical insurance for groups of five or more people traveling outside their home country. It offers first-class protection for travelers who want the maximum coverage available in a short-term travel medical insurance product. It covers eligible medical expenses, emergency medical evacuation, repatriation, acute onset of pre-existing conditions, adventure sports, and more...

IMG’s International Provider Access (IPA) is available when seeking treatment outside the U.S. You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the United Healthcare Options network.

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Key benefits of Patriot Platinum Group Insurance

Greencard holders visiting USA

Comprehensive plan

Acute onset of a pre-existing condition

PPO network


First-class medical coverage

Patriot Platinum Group - 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.

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Patriot Platinum Group Travel Insurance Reviews

Coverage Description
Take a quote & purchase for Individual Patriot platinum insurance details page
Insurance provider International Medical Group (IMG)
Patriot Platinum Group insurance underwriter Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Insurance rating AM Best Rating: "A" (Excellent)
Plan life 5 days up to 12 months Patriot Platinum Insurance can be renewed online.
Eligibility Offers coverage for Non US citizens travelling outside their home country
Policy maximum Up to $8M
Deductible options $0, $100, $250, $500, $1k, $2.5k, $5k, $10k or $25k.
Coinsurance In Network: Plan pays 100%
Out of Network: Plan pays 80% of eligible expenses up to $5k, 100% up to the Maximum Limit
Pre-Existing Conditions Acute onset of pre-existing conditions
Optional Riders Provide additional coverage for a minimal charge
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Patriot Platinum Group Links

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Patriot platinum group insurance highlights

  • 24/7 access to telehealth providers for non-emergency care
  • Medical coverage for unexpected illnesses & accidents up to policy maximum
  • COVID-19 covered same as any other illness
  • Maximum limits from $2,000,000 to $8,000,000
  • Emergency medical evacuation coverage up to policy maximum

IMG Patriot Platinum International Group travel medical insurance reviews

  • Patriot travel insurance for Groups is the Short-term travel medical insurance for groups of five or more individuals and families. Patriot Platinum Group plans offer a complete package of international benefits available 24 hours a day.
  • IMG Patriot Platinum international Group provides coverage for groups of U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S.
  • While Patriot Platinum America Group provides coverage for groups of 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.
  • This plan designed for Groups of travelers wanting first-class medical coverage, Vacationing families and individuals and Groups of executives.
  • Patriot Platinum America insurance offers coverage for Covid19 illness.

Advantages of having Group travel insurance

  • Cheaper and more convenient than buying individual policies for each member of your group.
  • It can ensure that everyone in your group has the same level of coverage and benefits. You don’t have to worry about comparing different policies or finding out that someone in your group has inadequate or no coverage at all.
  • It can offer coverage for unforeseen events like holiday cancellation or lost baggage. This prevents you from incurring extra expenses due to a flight cancellation or losing your valuables during your trip.
  • There is usually a discount of about 10% or more in group travel policies when compared to individual travel insurance for the same destination.
  • Common application form for all members of the group instead of individually filling application forms.
  • There is a master policy for the whole group with individual ID cards for individual travelers.

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Plan benefits of Patriot Platinum Group travel insurance

  • COVID-19/SARS-CoV-2 Coverage Patriot Platinum group 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 $1.5k maximum limit. Not subject to deductible
    Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
  • Urgent Care Clinic $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
    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 (surgery is incidental to and follows surgery that was covered under the plan)
    Chiropractic Care Up to the maximum limit
    Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
  • 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 $100k 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 $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
    Return of minor children $100k maximum limit. Not subject to deductible
    Political evacuation and repatriation $100k maximum limit. Not subject to deductible
    Remote transportation $5k per certificate period / $20,000 maximum limit
    Emergency reunion $100k maximum limit. Not subject to deductible
    Natural disaster evacuation $25k 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.
    Trip interruption $10k maximum limit. Not subject to deductible
    Return travel $10k 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 Up to $50k 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: $20k
      • Age 64 and under with a primary health plan: Maximum limit: $1M
      • Age 65 through age 69: Maximum limit: $2.5k
    • Non-United States citizens:
      • Age 69 and under:: Up to the period of coverage limit or $1M (whichever is lower)
    Pre-Existing condition medical evacuation $25k maximum limit for emergency medical evacuation
  • Accidental death & dismemberment $50k principal sum. Not subject to deductible
    Common carrier accidental death $25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible
  • Incidental Emergency in the U.S. Up to 2 weeks
    Pet return $1k maximum limit. Not subject to deductible
    Durable medical equipment Up to the maximum limit
    Extended care facility Up to the maximum limit
    Personal liability $25k 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

Add on benefits available

01. 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: $50k certificate period
  • Age 50-59 years: $30k certificate period
  • Age 60-64 years: $15k certificate period

Adventure Sports Rider - More Details  

02. 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 $3k 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  

03. Enhanced Accidental Death & Dismemberment Rider AD&D Rider

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

04. 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.

05. 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.


This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

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IMG Patriot Platinum Group insurance- Common Questions

01. Who is eligible for Patriot Platinum Group Travel Insurance?

International travelers are eligible for Patriot Platinum Group Travel Insurance if they are a group of five or more individuals, families, or dependents traveling outside one’s home country for a minimum of five days up to a maximum of three years, in accordance with the terms of the certificate of insurance.

02. Are pre-existing conditions covered by Patriot Platinum Group Insurance?

For travelers under age 70, coverage for acute onset of pre-existing conditions is available up to the maximum limit. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition that requires urgent care.

03. Are adventure sports covered in the Patriot Platinum Group travel insurance plan?

Yes, adventure sports coverage is available for travelers up to age 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris.

04. Can the Patriot Platinum Group insurance plan be renewed?

Yes, the plan can be renewed for a minimum of five days up to a total of three years, as long as there is no break in coverage. You can renew online or by completing a paper renewal form. There is a $5 admin fee when you renew the policy.

05. What is the cost of Patriot Platinum Group Insurance?

The cost of Patriot Platinum Group Insurance depends on factors, such as the age, destination, coverage period, policy maximum, and deductible of each group member. The plan offers two levels of coverage: $150K or $300K for new sicknesses and accidents, and $50K or $100K for pre-existing conditions. The plan also offers different deductible options, ranging from $0 to $25K. The higher the policy maximum or the lower the deductible, the higher the premium (the amount of money that you have to pay for the insurance plan). You can choose the options that suit your budget and needs.

06. 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.

07. 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.

Patriot Platinum Group Insurance Restrictions

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

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