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Patriot Platinum Insurance, IMG Coronavirus insurance

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Patriot America Platinum covid travel insurance coverage for Coronavirus, IMG covid insurance Travel insurance for Coronavirus Covid

The Patriot America Platinum coronavirus insurance includes COVID 19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020. Customers who would like to renew or extend their existing plans set to expire on or after September 1st 2020 and wish to receive the new Covid coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.

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

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
Patriot Platinum insurance rating
AM Best Rating: "A" (Excellent)
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Patriot Platinum insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Platinum Links

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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 for up to $1,000,000.
  • This plan can provide up to $8,000,000 as policy maximum for individuals below age 70.
  • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.

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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.

International Medical Group Patriot Platinum insurance summary

Renewal 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 International Platinum:
    offers coverage for US Citizens travelling outside the US with coverage for brief to USA
  • Patriot America Platinum:
    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.
  • 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.
    US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance
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Optional-coveragePatriot 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
  • Chaperone Replacement Rider
  • Enhanced AD & D Rider
  • Evacuation Plus Rider

Plan benefits of Patriot Platinum insurance, Patriot Platinum travel medical insurance reviews

Benefits Coverage
COVID-19/SARS-CoV-2 Coverage Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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 a Pre-existing Condition 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 America Platinum Travel Insurance - Common Questions

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Patriot America Platinum covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America Platinum insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.

Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot America 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

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.

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.

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Patriot Platinum plan with Covid coverage in the US
questionHi,

I have a Patriot platinum travel insurance policy for my trip back to the USA on 11/26. It was purchased on 10/23/20. I have read conflicting info re whether Covid 19 is covered- one document sent to me said if USA is in alert level 4, it is not covered but then your website says that it is. I want to be sure about the coverage before I go to the USA.

Thank you,
Cara Hafner

questionDear Cara,

Thank you for contacting us at American Visitor Insurance with your inquiry!
The Patriot Platinum America insurance covers Covid 19 in the US for the people visiting the US. For coverage outside of the US, the plan does not cover the Covid testing and related treatment. The request for testing should be from a doctor or medical practitioner to get the coverage.It will not be covered if it is requested by any country/airline.
For all details on the policy please use below links.

Patriot Platinum America Plan Details Brochure Buy Now

Please let us know if you need anything in further.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated: November 2020

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