Patriot Platinum Insurance Reviews, best quotes of IMG Administered Patriot Platinum Insurance Plan reviews

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Patriot Platinum Insurance Review

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)

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 Links

Brochure
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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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 years for up to $1,000,000.

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

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Patriot Platinum travel insurance

Covers travelers travelling outside their home country.
Offers plan maximum options up to $8 million.
Provides optional coverage for adventure sports up to $50,000.

A working example of using Patriot Platinum travel insurance (Offered by International Medical Group)

Consider an example where your:

Insurance coverage is $1,000,000
Deductible is $100 per certificate period
Coinsurance for claims incurred inside US and outside the PPO: After the deductible, 90% of first $5,000 and then 100% to the policy limit
Your claims for medical expenses is $17,500

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $17,500 minus $100 equals $17,400. Insured bears $100
Apply 90% coinsurance for first $5,000 of $17,400. i.e. $5,000*0.90 equals $4500. Insurance Company will pay upto $5,000. Insured bears $500
Plan/insurance company pays: $17,400 minus $500 equals $16,900 and insured bears $600

Patriot Platinum Insurance

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Days in hospital	$2,000/day for 3 days	$4,500+$1000	$500 (10% of first $5,000)
Surgery	$10,000	$10,000	$0
Prescription Drugs	$400	$400	$0
X Ray	$1,000	$1,000	$0
Total:	$17,500	$16,900	$600

Advantages
Disadvantages

Patriot Platinum Insurance 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.
Max coverage of $8000,000 offered by this plan.
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.

Patriot Platinum Insurance Disadvantages

Plan can be renewed only if purchased for a minimum of 1 month.
Only $20,000 coverage for 80+ travelers.

What are some insurance terms important in Patriot Platinum Insurance reviews?

Plan Maximum coverage of Patriot Platinum travel insurance:
This the maximum coverage that the plan would offer for the medical expenses. Patriot Platinum insurance offers maximum coverage up to 8 million.
What is a deductible in Patriot Platinum visitors insurance?
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot Platinum insurance has deductible options from $0 up to $25,000.
What is a provider network of Patriot Platinum Medical Insurance?
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
What is coinsurance in Patriot Platinum visitor insurance?
This is a percentage of the bill that the travel has to pay. Patriot Platinum plan pays 100% coverage outside USA.
For coverage inside USA:
Patriot Platinum pays
IN PPO NETWORK
The plan pays 100%.
OUT OF PPO NETWORK
The plan pays 90% up to $5,000, then 100%.
Renewability of Patriot Platinum Travel health insurance
Patriot Platinum Insurance can be renewed from 5 days up to 12 months.
Eligibility to buy Patriot Platinum Insurance Online
Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot Platinum has time restrictions that it has to be bought within 30 days of arrival in the US.
Patriot Platinum Pre-existing conditions Visitors Insurance for international travelers
Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Patriot Platinum Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

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.

Unique Benefits

Patriot Platinum is travel insurance for US citizens travelling outside the USA with coverage for brief returns to the US and for non US citizens travelling outside their home country.
For those under 65 years of age the coverage must begin within 6 months of arrival in the USA and for those 65 and above the coverage must begin within 30 days.
For US citizens up to $50,000 will be paid for eligible expenses of a sudden and unexpected recurrence of a pre existing condition while travelling outside the USA. Premium coverage available for in-patient and out-patient medical expenses.
Supplement accident provide up to $300 of first dollar benefits for treatment of an injury. Along with medical benefits, the insured can get coverage for Common carrier accidental death, natural disaster, trip interruption, terrorism coverage.
Most of the medical benefits cover up to the Maximum Limit. 12 months benefit period may provide continued coverage.
Benefit of up to $500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier
Access to a dedicated service team for assistance services
If you have purchased the plan for a minimum of 1 month, coverage may be renewed (without break in coverage) for a total of up to 3 years.
In case of a emergency hospital admission, pre certification call must be made within 48 hours of the admission or as soon as reasonably possible.