Patriot Platinum Travel Medical Insurance is designed for anyone traveling out of their country of citizenship, regardless of visa status. Cost starts at about $1/day. Purchase 5 days - 1 year, and renewable up to 3 years if 1 month or more is purchased initially. 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 non-US citizens and Patriot Platinum International for US citizens.
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 sudden and unexpected onset of pre-existing medical conditions.
|Summary of Benefits|
|Insurance Provider||IMG (International Medical Group)|
|Plan Type||Patriot Platinum America is for non-US citizens traveling outside their citizenship country.
Patriot Platinum International is for US citizens traveling outside the US.
|Maximum Benefit||$1,000,000, $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|
|Illness or Injury Coinsurance||Outside the US and Canada there is no coinsurance.
In the US and Canada - No Coinsurance in PPO.
In the US and Canada - Out of PPO 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|
|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||Up to the Maximum|
|Accidental Death & Loss of Limb||$100,000 for common carrier accidental death, otherwise $50,000 principal sum accidental death or dismemberment.|
|Medical Evacuation||Up to the Maximum|
|Repatriation of remains||$100,000|
|Pre-existing conditions (Illness or Injury)||Sudden and unexpected recurrence of pre-existing conditions coverage for Patriot Platinum.
Non-US citizen under age 65 - up to $50,000.
Non-US citizen age 65 and over - $2,500.
US citizen up to age 65 with primary health coverage - up to plan maximum.
US citizen up to age 65 without primary health coverage - $20,000.
US citizen age 65 up to age 70 - $2,500.
|Group Pricing||5 or more primary insured have about 10% discount|
|More Information||Trip Interruption benefit included - $10,000 maximum
Lost Luggage benefit included - $500
Universal Rx pharmacy discount savings
Available in daily and monthly rates
Renewable up to 36 months if 1 month or more is purchased
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, personal liability.
|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|