Patriot Platinum America Insurance, IMG's Best coverage for older travelers and pre-existing condition insurance.

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IMG travel insurance coverage for Coronavirus (Covid 19)

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Patriot Platinum Insurance Review

Patriot Platinum Insurance

Insurance provider
International Medical Group

Plan life
5 days up to 12 months
Patriot Platinum Insurance can be renewed online

Patriot Platinum insurance rating
AM Best Rating: "A" (Excellent)

Policy maximum^?
$2,000,000, $5,000,000, $8,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000

Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot Platinum insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Platinum Insurance, Comprehensive US visitors medical insurance

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot Platinum America 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 is can purchased for a minimum of 5 days up to a maximum of 3 years. It offers coverage for sudden and unexpected recurrence of pre-existing conditions.US citizens living abroad and visiting USA can also buy Patriot Platinum Insurance.

Brochure
Benefits
Advantages
COMPARATIVE ADVANTAGES
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.

Coverage up to $8 million

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.

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.
Disadvantages
DISADVANTAGES
Plan can be renewed only if purchased for a minimum of 1 month.

Only $20,000 coverage for 80+ travelers.
Reviews
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Claims
Renewal
Provider network
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International Medical Group Patriot Platinum insurance summary

Renewability - Patriot Platinum insurance renewability

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.
Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.

Patriot Platinum insurance coinsurance^?

For treatment received outside the U.S : IMG pays 100%
For treatment received within the U.S :
- In the PPO Network: IMG pays 100%
- Outside the PPO Network: IMG pays 90% up to $5,000, then 100%

What is the eligibility to buy Patriot Platinum Insurance?

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.
For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.

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Patriot Platinum insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure Sports rider
Adventure Sports rider
Available for those up to the age of 65 years.

Activities Covered up to certificate period: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 certificate period

Age 50-59 years: $30,000 certificate period

Age 60-64 years: $15,000 certificate period
Chaperone Replacement Rider
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 $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
Enhanced AD & D Rider
Enhanced AD & D Rider
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.
Evacuation Plus Rider
Evacuation Plus Rider
Available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation - Up to a maximum of $25,000

Natural Disaster Evacuation - Up to a maximum of $5,000