Patriot Platinum America Insurance, IMG's Best coverage for older travelers and pre-existing condition 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.
Example
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)
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International Medical group Patriot Platinum Insurance plan summary

Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Rating

AM Best Rating: "A" (Excellent)

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.

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%

Eligibility

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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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
Citizenship Return Rider
Citizenship Return Rider
Up to maximum limit

Plan Benefits of Patriot Platinum Insurance

Benefits	Coverage
Hospital room and board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive care	Up to the maximum limit
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Remote Transportation	$5,000 per period, $20,000 lifetime maximum
Acute Onset of Pre-Existing Conditions	Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation
Emergency room accident	Up to the maximum limit
Hospital Emergency Room(Inside the U.S.)	Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission
Hospital Emergency Room(Outside the U.S.)	Up to the maximum limit
Emergency dental treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Hospital indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Supplemental Accident	$300 per covered accident
Emergency medical evacuation	Up to maximum limit
Emergency reunion	$100,000 For a maximum of 15 days
Return of mortal remains or cremation/burial	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children	$100,000 maximum limit
Political evacuation	$100,000
Natural disaster	$25,000 maximum limit. Not subject to deductible.
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Trip Interruption	$10,000 maximum limit. Not subject to deductible
Bedside Visit	$1,500 maximum limit. Not subject to deductible.
Remote transportation	$5,000per certificate period $20,000 lifetime maximum
Identity theft assistance	Up to $500
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Lost / Theft of luggage, valuables, personal papers	$50 per item, $500 maximum limit
Terrorism	$50,000 maximum limit
Interfacility Ambulance Transfer	Company pays 100%
Sports & leisure activities	Up to the maximum limit for basic sports
Incidental home country coverage	Up to cumulative of 2 weeks
End of trip home country coverage	One month for every four months of travel coverage, up to a maximum of three months
Common carrier accidental death	$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family.
Accidental death & dismemberment	$50,000 principal sum.
Small pet common carrier accidental death	$500 maximum limit.

Patriot Platinum Insurance

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International Medical group Patriot Platinum Insurance plan summary

Plan Benefits of Patriot Platinum Insurance

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