Patriot Platinum is the top-rated travel medical plan in International Medical Group’s Patriot Travel Series. Both Patriot International Platinum and Patriot America Platinum offer robust inpatient and outpatient coverage, emergency medical benefits, and additional protections, including dental treatment, lost luggage assistance, and pet return.
IMG travel medical plans can be purchased for a minimum of five days and renewed for up to three years when at least one month of continuous coverage is purchased. Renewals are available in full-month or daily increments and can be completed online.
U.S. citizens traveling outside the United States are eligible for the Patriot International Platinum plan, which also provides limited coverage for brief returns to the U.S. Patriot America Platinum is available to travelers visiting the United States from abroad, and U.S. citizens living overseas may purchase this plan for temporary trips back to the U.S.
Patriot Travel Medical Insurance Highlights
money_range
Plan Limits and Deductibles
IMG Travel Insurance offers a maximum medical limit of up to $8 million. Both plans allow travelers to choose a deductible between $0 and $25,000.
laptop
Telehealth
Policyholders can access a national network of board-certified doctors and pediatricians in the U.S. 24/7/365 to help diagnose, treat, and prescribe medication via phone or online video consultations.
health_and_safety
Coverage for Pre-Existing Conditions
For travelers under the age of 70, coverage is available for the acute onset of pre-existing conditions. This coverage provides emergency care in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition.
helicopter
Crisis Support
IMG’s multilingual team of nurses, doctors, and case managers is available 24/7 to provide assistance and coordinate urgent responses, including medical evacuations.
Please review the plan limits for Patriot America Platinum and Patriot International Platinum in the table below. Patriot International Platinum is designed for U.S. citizens traveling abroad, while Patriot America Platinum is designed for travelers visiting countries outside their home country and the United States.
Benefit
Patriot Platinum
Annual Overall Maximum
$8,000,000
Deductible Options
$0-$25,000
Acute Onset of Pre-Existing Conditions
Extensions
Up to 36 continuous months
Inpatient and Outpatient Eligible Medical Expenses
Up to the maximum limit
Prescription Drugs and Medications
Dispensing limit per prescription: 90 days
Up to the maximum limit
Emergency Local Ambulance
Up to the maximum limit. Subject to deductible and coinsurance.
Emergency Medical Evacuation
Up to the maximum limit
Terrorism
$50,000 maximum limit
Lost Luggage
$50 per item, $500 maximum limit
Dental Treatment
$300 maximum limit
Telehealth
Expand your Patriot Platinum Coverage
Patriot Platinum is easily customizable to meet your needs while you are away from home. You can add optional riders to your plan as you fill out your online application.
The Adventure Sports Rider provides additional coverage for injuries sustained during participation in extreme activities, such as parachuting or whitewater kayaking.
Lifetime Maximum
Ages 0-49: $50,000
Ages 50-59: $30,000
Ages 60-64: $15,000
The Trip Protection Rider* can protect you from financial losses due to unexpected events before or during your trip. This Rider can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
*Only available to U.S. citizens and residents
The Mobile Device Protection Rider provides coverage for repair or replacement of your cell phone if it is lost, stolen, or damaged during your trip.
The Accidental Death and Dismemberment Rider is available to the primary insured only and will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
How Much Does a Patriot Platinum Plan Cost?
The Patriot Travel Medical Insurance plan ranges from $1.45 per day to $8 per day.
The premium is calculated using your age, medical maximum limit, and deductible. Including optional riders in your plan will also impact the premium amount. You can adjust your deductible amount and the maximum medical benefit to secure additional coverage, or modify the total premium charged.
The rates in the tables below were calculated using a $0 deductible. Higher deductibles will lower your rates.
Patriot Platinum Rates per Day
If you are a U.S. citizen traveling outside the United States, review the Patriot International Platinum cost per day rates. If you are a non-U.S. citizen or a U.S. citizen residing outside the U.S., review the Patriot America Platinum cost per day rates.
Patriot International Platinum travel insurance is available to U.S. citizens and permanent residents traveling outside of the United States (with coverage included for brief returns to the U.S.) and for non-U.S. citizens traveling outside of their home country.
Patriot America Platinum
Patriot America Platinum travel insurance is available to non-U.S. citizens traveling to the United States. U.S. citizens who permanently reside outside the U.S. are also eligible to purchase Patriot America Platinum for trips to the U.S.
Travelers 65 years of age and older visiting the U.S. must begin coverage within 30 days of arrival. This requirement is waived with proof of previous valid international travel insurance.
You can extend your IMG Travel Insurance coverage for up to 36 continuous months. You must initially purchase coverage for at least one month to renew your plan. You can then extend your plan for up to one full year.
After one year of coverage, you can renew your Patriot Travel Medical Insurance plan for an additional period, up to 12 more months of coverage. This can be done multiple times for up to a total of 36 months of coverage.
Once you have applied and purchased coverage, you will be provided with a visa letter to use when applying for a visa in any country worldwide. You must determine each country’s specific requirements for the coverage level required and then purchase a plan that meets those requirements.
All Patriot Travel Medical Insurance plans meet Schengen Visa requirements if you are traveling to Europe.
Over 1.4M physicians
6,797 hospitals
Over 45,000 clinics
67,000 pharmacies
1,800 convenience clinics
The U.S. network for travelers inside the U.S. is <strong>UnitedHealthcare</strong>. UnitedHealthcare provides travelers with direct access to the following:
Over 1.4M physicians
6,797 hospitals
Over 45,000 clinics
67,000 pharmacies
1,800 convenience clinics
Over 18,550 physicians and facilities
Direct billing arrangements that minimize time and upfront expense
IMG’s International Provider Access network provides travelers outside of the U.S. with access to quality healthcare worldwide. IMG’s proprietary network provides travelers with access to the following:
Over 18,550 physicians and facilities
Direct billing arrangements that minimize time and upfront expense
You can purchase an IMG Patriot Travel Insurance policy at any time prior to your trip start date up to the day you travel if you choose.
You can apply a month or more before leaving. It is your choice. Applicants may choose to apply for the Patriot plan after their trip has begun. In this case, coverage will not be effective until the application has been approved and you have paid the applicable premium.
You can change the start and end date for your plan at any time before the current start date without any penalty. There may be an extra charge if your total number of days traveling is more than you initially purchased.
The plan administrator, IMG, will refund your premium if you cancel your policy prior to the start of your trip.
You may also request a cancellation after your trip has begun, but your request may be denied depending on the policy, the reason for cancellation, and the timing of your request.
International travel medical insurance provides coverage for unexpected illnesses or injuries while abroad, ensuring access to quality care and financial protection during your trip.
Deciding whether to insure your trip? Learn how travel insurance protects against medical emergencies, cancellations, and lost luggage, and discover when it’s worth the cost.
Discover essential digital nomad tips to thrive while working remotely, including managing time zones, staying healthy, protecting your devices, and making friends abroad.
Plan your trip to the 2026 Winter Olympics in Italy with confidence. Learn how travel insurance can protect you from medical emergencies, winter travel risks, and unexpected trip cancellations.
Discover the best travel destinations in 2026 with our guide to the top 10 countries for solo travelers, families, and adventure seekers, plus helpful tips for planning your next adventure.
From eco-friendly hotels and multigenerational adventures to dude ranches and sleep tourism, these are the travel experiences topping the list this year.
Learn about vaccine requirements for traveling abroad, including mandatory and recommended vaccinations, destination-specific guidelines, and how travel insurance can help cover costs.
We use cookies to make your experience better, learn how our website is used, and help with our marketing. You can choose to accept all cookies, reject non-essential ones, or set your preferences.
Functional
Always active
Required for the website to function properly and securely.
Preferences
Used to remember your settings and preferences.
Statistics
Used to understand website usage and improve performance.The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
Used to measure advertising performance and personalize marketing.
