Patriot Platinum Travel Insurance is a comprehensive insurance plan designed for non-U.S. citizens visiting the United States. It offers coverage for new illnesses, injuries, and includes limited coverage for pre-existing conditions after a waiting period. With access to a wide U.S. provider network and flexible plan limits, Patriot Platinum Insurance ensures peace of mind during your stay in the U.S. Ideal for long-term visitors, parents, or international travelers needing reliable medical protection.
Patriot Platinum is a premium, comprehensive travel medical insurance plan offered by International Medical Group (IMG), designed for international travelers who want the highest level of coverage available in a short-term travel health product.
Top Reasons to Buy Patriot Platinum Insurance:Not Ideal For: Travelers needing routine medical care, preventive treatment, maternity coverage, or full long-term coverage for chronic pre-existing medical conditions.
Patriot Platinum Insurance does not cover pre-existing conditions in general, but it does provide limited coverage for the acute onset of pre-existing conditions for travelers under the age of 70. This means if a pre-existing condition suddenly and unexpectedly flares up after the policy becomes effective, and medical treatment is sought within 24 hours, the plan may cover it up to the limits defined by the selected plan tier (Lite, Plus, or Platinum). It’s important to note that this coverage is only available when the episode qualifies as an “acute onset,” which refers to a sudden, unforeseen recurrence requiring immediate medical care.
The cost of Patriot Platinum Insurance cost per month ranges between $59 to $765, This is dependent on a few factors namely the age of the traveler, the plan maximum 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 $50,000, $100,000, $250,000 depending on the age of traveller up to age of 70 years. For above 70 years $50,000 is available.
For Example here we are showing price for 3 months with deductible of $500.
| Age of traveler | $2,000,000 | $5,000,000 | $8,000,000 |
|---|---|---|---|
| 18 - 29 years | $59 | $74 | $85 |
| 30 - 39 years | $70 | $86 | $107 |
| 40 - 49 years | $116 | $141 | $158 |
| 50 - 59 years | $197 | $233 | $243 |
| 60 - 64 years | $247 | $276 | $294 |
| 65 - 69 years | $289 | Not Avaiable | |
For senior travelers aged 70 to 79, the cost is $431/month, with a maximum coverage of $100,000 and a deductible of $250.
For senior travelers aged 80, the cost is $765/month, with a maximum coverage of $20,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
| Home Nursing Care help | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Bedside Visit help | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible. |
| Outpatient Surgical / Hospital Facility help | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery | Up to the maximum limit (Surgery must be incidental to and follow a covered surgery under the plan) |
| Anesthesia help | Up to the maximum limit |
| Chiropractic Care help | Up to the maximum limit |
| Extended Care Facility help | Up to the maximum limit |
| Emergency Eye Examination help | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
| Hospital Room and Board help | Average semi-private room rate, including nursing services |
| Radiology / X-ray help | Up to the maximum limit |
| Physical Therapy help | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic help | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Urgent Care Clinic help | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury help | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. |
| Surgery help | Up to the maximum limit |
| Intensive Care Unit help | Up to the overall maximum limit. |
| Durable Medical Equipment help | Up to the overall maximum limit. |
| Emergency Dental Treatment help | $300 maximum limit due to accident or unexpected pain to sound natural teeth. |
| Prescription Drugs and Medications help | Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
| Supplemental Accident help | Maximum limit per covered accident: $300 |
| Hospital Emergency Room help |
Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit that does not result in direct inpatient hospital admission. Up to the maximum limit. |
| Physician Visits help | Up to the maximum limit |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Local Burial or Cremation help | Up to $5,000 lifetime maximum. |
| Emergency medical evacuation | Up to the maximum limit |
| Return of mortal remains or cremation/burial help | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20k maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Home Nursing Care help | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Bedside Visit help | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible. |
| Outpatient Surgical / Hospital Facility help | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery | Up to the maximum limit (Surgery must be incidental to and follow a covered surgery under the plan) |
| Anesthesia help | Up to the maximum limit |
| Chiropractic Care help | Up to the maximum limit |
| Extended Care Facility help | Up to the maximum limit |
| Emergency Eye Examination help | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
| Hospital Room and Board help | Average semi-private room rate, including nursing services |
| Radiology / X-ray help | Up to the maximum limit |
| Physical Therapy help | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic help | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Urgent Care Clinic help | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury help | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. |
| Surgery help | Up to the maximum limit |
| Intensive Care Unit help | Up to the overall maximum limit. |
| Durable Medical Equipment help | Up to the overall maximum limit. |
| Emergency Dental Treatment help | $300 maximum limit due to accident or unexpected pain to sound natural teeth. |
| Prescription Drugs and Medications help | Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
| Supplemental Accident help | Maximum limit per covered accident: $300 |
| Hospital Emergency Room help |
Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit that does not result in direct inpatient hospital admission. Up to the maximum limit. |
| Physician Visits help | Up to the maximum limit |
| Acute Onset of Pre-Existing Condition help | Up to the maximum limit.(Insured person must be under 70 years of age)
United States citizens: Age 64 and under without a primary health plan: Maximum limit: $20k Age 64 and under with a primary health plan: Maximum limit: $1M Age 65 through age 69: Maximum limit: $2,500 Non-United States citizens: Age 69 and under: Up to the period of coverage limit or $1M (whichever is lower) |
| Pre-Existing condition medical evacuation help | $25,000 maximum limit for emergency medical evacuation |
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Platinum Insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot Platinum Insurance PPO network »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.
Yes, Patriot Platinum plans can generally be renewed up to the maximum coverage period allowed by the policy, provided eligibility requirements continue to be met.
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.
Yes. Patriot Platinum is available for seniors (up to age 99, depending on eligibility) and is often chosen for elderly parents visiting the USA due to its high coverage limits and emergency medical benefits.
Yes. Patriot Platinum is available for seniors (up to age 99, depending on eligibility) and is often chosen for elderly parents visiting the USA due to its high coverage limits and emergency medical benefits.
Yes. The plan includes emergency medical evacuation coverage, which helps transport the insured to the nearest adequate medical facility or back to their home country if medically necessary.
Patriot Platinum Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group PO Box 240429 Apple Valley, MN 55124
