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Home > International Insurers > IMG Global > Patriot Travel Insurance

IMG Patriot Platinum

patriot platinum travel insurance

Patriot Travel Medical Insurance

patriot platinum travel 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.

IMG Travel Insurance 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.

IMG Travel Insurance 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

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.

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.

Coverage for Pre-Existing Conditions

For travelers under age 70, coverage for acute onset of pre-existing conditions is available. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition.

COVID-19 Coverage

COVID-19 Coverage is included, and charges for treatment resulting from COVID-19 are covered the same as any other illness covered under a Platinum policy.

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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.

Plan Maximums

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 100% up to the maximum limit 100% up to the maximum limit
Incidental Emergency in the U.S. N/A Up to 2 weeks
Acute Onset of Pre-Existing Conditions
Travel Intelligence
Telehealth
Evacuation Plus

Benefits

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.

  • Adventure Sports
  • Trip Protection
  • Cell Phone Protection
  • Enhanced AD&D

The Adventure Sports Rider provides additional coverage for injuries sustained during participation in extreme activities, such as parachuting or whitewater kayaking.

Lifetime Maximum

Age 0-49: $50,000

Age 50-50: $30,000

Age 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.

Please note this Rider option is available on individual plans for U.S. residents only.

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.

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How Much Does a Patriot Platinum Travel Medical Plan Cost?

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 $0 deductible. Higher deductibles will lower your rates.

IMG Travel Insurance 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.

  • Patriot America Platinum

  • Patriot International Platinum

Patriot America Platinum

Age Maximum Limit
$20,000 $100,000 $1,000,000 $2,000,000 $5,000,000 $8,000,000
0-17 $3.93 $4.13 $5.24 $7.25
18-29 $3.93 $4.13 $5.24 $7.25
30-39 $4.49 $4.73 $7.59 $9.44
40-49 $5.89 $6.20 $9.06 $12.04
50-59 $9.99 $10.51 $14.79 $20.60
60-64 $13.31 $15.24 $17.85 $25.99
65-69 $17.01
70-79 $25.16
80+ $66.18
Rates were calculated using a $0 deductible.

Patriot International Platinum

Age Maximum Limit
$20,000 $100,000 $1,000,000 $2,000,000 $5,000,000 $8,000,000
0-17 $2.28 $2.86 $3.28
18-29 $2.40 $3.00 $3.43
30-39 $2.81 $3.49 $4.33
40-49 $4.69 $5.68 $6.38
50-59 $7.95 $9.40 $9.79
60-64 $9.95 $11.15 $11.88
65-69 $11.68
70-79 $17.41
80+ $30.88
Rates were calculated using a $0 deductible.

Rates were last updated on March 17, 2025

Related literature: Expat Insurance for Americans Abroad

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Eligibility Requirements for IMG Travel Insurance

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

Can I extend my Patriot Travel Medical Insurance coverage?

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.

Does the IMG Patriot Travel Medical Insurance plan meet Visa requirements?

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.

Which medical network do I have access to in the U.S. with my IMG Patriot America Platinum plan?

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

Which global medical network do I have access to with my IMG Patriot International Platinum plan?

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

When can I purchase an IMG Patriot Platinum plan for my upcoming travel?

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.

Can I cancel my IMG Patriot Platinum plan if my circumstances change and I no longer need it?

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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