Patriot Platinum Insurance Reviews, IMG Patriot Platinum travel Insurance reviews

Patriot Platinum Insurance Review, Patriot Platinum Insurance Review

Policy maximum
$2M $5M $8M

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

Insurance provider
International Medical Group

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

Patriot Platinum insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation (publ) White Mountains Insurance Group Company.

Plan life
Patriot Platinum Insurance can be renewed online.

Coinsurance of IMG Patriot Platinum
Coverage inside USA:

Patriot Platinum In Network - The plan pays 100%

100%

Patriot Platinum Out of Network

80%

The plan pays 90% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Coverage Outside USA - The plan pays 100%

Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot Platinum Insurance For Visitors

Patriot Platinum travel insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America. When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America. Patriot Platinum travel insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Coverage for travelling outside their home country when destination includes US and its territories.
Plan maximum options available up to $1 million.
Provides optional coverage for adventure sports up to $50,000.
US citizens, expats and business travelers living outside US and want to visit USA can buy Patriot travel insurance.

Patriot America Lite Insurance Links

Brochure
Details
Advantages
Disadvantages
Claims
Renewal
Provider network
Compare plans
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)

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.

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.
The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
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.
Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

Customer Reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.

| Steve E

Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.

| Joan

I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.

| Kelli M

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Advantages and Disadvantages of Patriot Platinum Insurance

Patriot Platinum Insurance Advantages
- Patriot Platinum from IMG covers Covid
- 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.

Key Benefits of Patriot Platinum Insurance

Acute onset of a pre-existing condition

Emergency medical evacuation

Urgent Care Clinic

Renewability

Personal liability

Sports Coverage

An Overview of IMG Patriot America Lite

Plan Maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Patriot Platinum insurance offers maximum coverage up to 8 million.

Provider Network

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.

Patriot America Lite Coinsurance

This is a percentage of the bill that the travel has to pay. Patriot Platinum International pays 100% coverage outside USA.
For coverage inside USA:
Patriot Platinum pays

Patriot Platinum America In Network
The plan pays 100%.
Patriot Platinum America Out of Network
The plan pays 90% up to $5,000, then 100%.

Eligibility to buy Patriot America Lite

Patriot Platinum Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

Patriot America Lite visitors deductible

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.

Patriot Platinum Pre-existing conditions

Patriot Platinum insurance offers coverage acute on set 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.

A working example of using Patriot America Lite insurance*

Consider an example where your:

Insurance coverage is $50,000
Deductible is $250 per certificate period
Coinsurance for claims incurred inside US and in the PPO: The plan pays 100%
Your claims for medical expenses is $24,250

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

Subtract the deductible from claims amount - $$24,250 minus $100 equals $24,000. Insured bears $250
Apply 100% coinsurance.
Plan/insurance company pays 100%: $24,250 and insured bears $250

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$0
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

* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Plan details of Patriot Platinum insurance

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Patriot Platinum Insurance - FAQ's

Patriot Platinum insurance is a type of travel medical insurance that offers comprehensive coverage and temporary first-class health insurance for individuals, families, and groups. It is designed for travelers who are looking for the highest level of coverage and service in a short-term travel medical product. The plan is can purchased for a minimum of 5 days up to a maximum of 3 years. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

Yes.Patriot Platinum insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

Yes, you can buy the Patriot Platinum insurance and renew your coverage later. 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. There is a $5 admin fee when you extend the policy. It is recommended to extend your policy a day before the policy expiration date. Once the policy expires, you no longer have the option for extension.

Patriot Platinum 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.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.

To buy the Patriot Platinum insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.

You can purchase Patriot Platinum travel medical insurance on American Visitor Insurance at buy Patriot Platinum Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Patriot Platinum travel health insurance from licensed insurance agents.

Patriot Platinum 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.

The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot Platinum Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.

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 Platinum 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 $20k for travelers over 80 years
Other plans - Visitors Care offer coverage of $10k

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.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

Patriot Platinum travel medical insurance has two versions: Patriot Platinum International and Patriot Platinum America . Patriot Platinum International provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while patriot platinum america for us visitors provides coverage for 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

Yes, adventure sports coverage is available for travelers up to age 65.

Yes, the IMG Patriot insurance plan meets the visa requirements for most types of visas, such as J1, J2, F1, F2, M1, M2, and A visas. These visas are usually issued for students, scholars, and cultural exchange participants who travel to the U.S. or abroad for educational or cultural purposes.

With Patriot America Platinum insurance, you have access to the United Healthcare Options network when seeking treatment in the U.S. This is a national network of board-certified doctors and healthcare facilities that can provide you with quality care and reduce your out-of-pocket costs.

Are you traveling in Groups?

Get quotes for groups of five or more people traveling outside their home country!

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Patriot Platinum - PPO network

Patriot Platinum - Provider network and how to find hospital or doctor?

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.

Find Provider Network

Patriot Platinum Insurance cost per month for Seniors

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Patriot Platinum review 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.