Patriot Platinum Travel Medical Insurance is designed for anyone traveling out of their country of residence, regardless of visa status. Cost starts at about $1/day. Purchase 5 days - 1 year, and renewable up to 3 years. After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.
Patriot Platinum Travel Medical Insurance includes Patriot Platinum America for travelers to destinations including the US and Patriot Platinum International for travelers to non-US destinations.
Patriot Platinum Travel Medical Insurance provides premium protection for the international traveler who wants to obtain the maximum coverage available. Benefit levels up to $8,000,000 are available. Coverage includes acute onset of pre-existing medical conditions.
|Summary of Benefits|
|Insurance Provider||IMG (International Medical Group)|
|Plan Type||Patriot Platinum America is for non-US residents traveling outside their residence country and their destinations include the US.
Patriot Platinum International is for anyone traveling outside their residence country and their destinations excludes the US.
|Maximum Benefit||$2,000,000, $5,000,000, $8,000,000|
|Deductible (Insured pays before insurance pays)||$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000|
|Urgent Care Clinic||$25 copay, deductible waived. Not applicable when $0 deductible selected.|
|Walk in Clinic||$15 copay, deductible waived. Not applicable when $0 deductible selected.|
|Illness or Injury Coinsurance||Outside the US there is no coinsurance.
In the US - No Coinsurance in network
In the US - Out of network coinsurance is 10% to $5,000 then 0%.
|Hospital Room & Board||Up to the Max for average semi-private room rate|
|Intensive Care||Up to the Maximum|
|Bedside Visit||$1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.|
|Surgery Care||Up to the Maximum|
|Preadmission Tests||Up to the Maximum|
|Doctor Visit||Up to the Maximum|
|Outpatient Surgery||Up to the Maximum|
|Xray and Lab||Up to the Maximum|
|Anesthesia||Up to the Maximum|
|Ambulance||Up to Maximum for injury resulting in needed emergency care, or illness resulting in hospital admission. Otherwise not covered.|
|Emergency Room||URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization|
|Prescription Drugs||Up to the Maximum|
|Accident Dental||$300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist.|
|Accidental Death & Loss of Limb||$50,000 principal sum|
|Hospital Indemnity||$250 per overnight inpatient stay, 10 maximum|
|Medical Evacuation||Up to the Maximum|
|Repatriation of remains||Up to the Maximum|
|Pre-existing conditions (Illness or Injury)||Acute Onset of pre-existing conditions coverage for Patriot Platinum.
Non-US citizen up to age 69 - $1,000,000.
US citizen up to age 64 with primary health coverage - $1,000,000.
US citizen up to age 64 without primary health coverage - $20,000.
US citizen age 65 up to age 69 - $2,500.
|Group Pricing||5 or more primary insured have about 10% discount|
|More Information||UnitedHealthcare Options network (in the US) provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Personal Liability coverage included (Injury to another or damage to others property) - $25,000 maximum subject to $100 deductible
Trip Interruption benefit included - $10,000 maximum
Lost Luggage benefit included - $50 per item, $500 maximum
Universal Rx pharmacy discount savings
Renewable up to 36 months
To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
Ages 70-79 can buy up to $100,000 coverage. Ages 80 and over can buy up to $20,000 coverage.
Optional benefit enhancements available for adventure sports, accidental death, medical evacuation.
|Benefit Details||Benefit Details|
* $100,000 max for 70-79 age
** $20,000 max for 80+ age
|Full Brochure||English Brochure
English Benefit Flyer
|Sample Contract||Sample Insurance Contract|
|FAQ||Click to see Frequently Asked Questions|