Patriot Travel Medical Insurance
Patriot Platinum is the highest-rated plan by customers from International Medical Group's Patriot Travel Series. Patriot International and Patriot America Platinum plans include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.
Both plans are available for a minimum of 5 days and can be renewed for a maximum of three years if you purchase at least one month of coverage with no break in coverage. Renewals are available in whole month or daily increments and can be purchased online.
U.S. citizens are eligible for the Patriot International Platinum plan for travel outside the U.S. The plan also provides coverage for brief returns to the U.S.
Patriot America Platinum is available to individuals traveling outside their home country and the U.S.
U.S. citizens residing outside the U.S. can also purchase the Patriot America Platinum plan for visits back to the U.S.
Continue reading to learn more about IMG Patriot Platinum travel medical plans.
Patriot Platinum is the highest-rated plan by customers from International Medical Group's Patriot Travel Series. Patriot International, for travel outside of the USA, and Patriot America, for travelers visiting the USA, include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.
Both plans are available for a minimum of 5 days and can be renewed for a maximum of three years if you purchase at least one month of coverage with no break in coverage. Renewals are available in whole month or daily increments and can be purchased online.
U.S. citizens are eligible for the Patriot International Platinum plan for travel outside the U.S. The plan also provides coverage for brief returns to the U.S.
Patriot America Platinum is available to individuals traveling outside their home country and the U.S.
U.S. citizens residing outside the U.S. can also purchase the Patriot America Platinum plan for visits back to the U.S.
Continue reading to learn more about IMG Patriot Travel Medical Insurance, one of the best travel medical insurance plans available.
Patriot Travel Medical Insurance Highlights
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Patriot Platinum Schedule of Benefits
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 outside the United States, while Patriot America Platinum is designed for travelers visiting countries outside their home country and the United States.
The following benefits and coverage levels are shared between Patriot America Platinum and Patriot International Platinum.
| Benefit | Patriot America | Patriot International |
|---|---|---|
| Platinum | Platinum | |
| Maximum Limits | Up to $8 million | Up to $8 million |
| Deductible | $0 to $25,000 | $0 to $25,000 |
| Extensions | Up to 36 continuous months | Up to 36 continuous months |
| Emergency Medical Evacuation | Up to the maximum limit | Up to the maximum limit |
| Coinsurance | In-Network: 100% up to the maximum limit; Out-of-Network: 90% up to $5,000, then 100% | 100% up to the maximum limit |
| Incidental Emergency in the U.S. | N/A | Up to 2 weeks |
| COVID-19 Coverage | | |
| Acute Onset of Pre-Existing Conditions | | |
| Travel Intelligence | | |
| Telehealth | | |
| Evacuation Plus | | |
| Benefit | Coverage |
|---|---|
| Inpatient or Outpatient Services | |
| Eligible Medical Expenses | Up to the maximum limit |
| Physician Visits / Services | Up to the maximum limit |
| Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Walk-in Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Hospital Emergency Room Inside the U.S. | Injury not subject to emergency room deductible. Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit. |
| Hospital Emergency Room Outside the U.S. | Up to the maximum limit |
| Hospitalization / Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service. |
| Intensive Care | Up to the maximum limit |
| Bedside Visit Hospitalized in an intensive care unit | $1,500 maximum limit. Not subject to deductible. |
| Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
| Supplemental Accident | $300 per covered accident |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Chiropractic Care Medical order or treatment plan required | Up to the maximum limit |
| Physical Therapy Medical order or treatment plan required | Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility | Up to the maximum limit |
| Home Nursing Care Upon direct transfer from an acute care facility | Up to the maximum limit |
| Prescriptions | |
| Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the maximum limit |
| Emergency Services | |
| Emergency Local Ambulance Injury or illness resulting in an inpatient hospital admission | Up to the maximum limit. Subject to deductible and coinsurance. |
| Emergency Reunion Must be approved in advance by the company | $100,000 maximum limit. Not subject to deductible or coinsurance. |
| Inter-facility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission | IMG pays 100% |
| Natural Disaster Evacuation Must be approved in advance by the company | $25,000 maximum limit. Not subject to deductible or coinsurance. |
| Political Evacuation & Repatriation Must be approved in advance by the company | $100,000 maximum limit. Not subject to deductible or coinsurance. |
| Return of Minor Children Must be approved in advance by the company | $100,000 maximum limit. Not subject to deductible or coinsurance. |
| Return of Mortal Remains or Cremation/Burial Must be approved in advance by the company | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible. |
| Other Services | |
| Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible. |
| Common Carrier Accidental Death | $25,000 per injured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible or coinsurance. |
| Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance. |
| Traumatic Dental Injury Treatment at a hospital due to an accident | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. |
| Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident | $150 limit. $50 deductible per occurrence. Subject to coinsurance. |
| Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible or coinsurance. |
| Identity Theft | $500 maximum limit. Not subject to deductible or coinsurance. |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible or coinsurance. |
| Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible or coinsurance. |
| Personal Liability Secondary to any other insurance | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property. |
| Pet Return For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible or coinsurance. |
| Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person | $500 maximum limit. Not subject to deductible or coinsurance. |
| Terrorism | $50,000 maximum limit. Not subject to deductible or coinsurance. |
| Return Travel | $10,000 maximum limit. Not subject to deductible or coinsurance. |
Download the IMG Patriot Platinum brochure to review the schedule of benefits and optional riders to include in your plan.
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Expand your Patriot Platinum Coverage with Additional Riders
IMG's Patriot America and International Platinum Plans are easily customizable to meet your needs while you are away from home. You can add the optional Riders to your Platinum plan when you submit your application.
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How Much Does a Patriot Platinum Travel Medical Plan Cost?
The cost of the Patriot Travel Medical Insurance plan ranges from as little as $1.45 per day to as much as $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 change your deductible amount and the maximum medical benefit to secure additional coverage or change the total premium charged.
The rates in the tables below were calculated using a $250 deductible. Higher deductibles will lower your rates.
Patriot Platinum Rates per Day
If you are a U.S. citizens 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.
Rates were last updated on April 13, 2023
Related literature: Expat Insurance for Americans Abroad
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Eligibility Requirements for IMG's Patriot Platinum Plan
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 travel insurance is available to non-U.S. citizens who will be 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 in the U.S. This requirement is waived with proof of previous valid international travel insurance.
Related literature: Seniors Travel Insurance
FAQs About the Patriot Travel Medical Insurance Plan
You can extend your Patriot Platinum 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.
The U.S. network for travelers inside the U.S. is UnitedHealthcare. 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
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.
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