Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families and groups

Summary of Benefits

Plan Information
 
Maximum Limits $1,000,000, $5,000,000, $8,000,000
Individual Deductible

Your choice of $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000

On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information.

Family Deductible Three times the individual deductible
Coinsurance

For treatment received outside the U.S. & Canada: No Coinsurance

For treatment received within the U.S. & Canada:

In the PPO Network: No Coinsurance

Outside the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits

Benefit Period

12 months

If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the twelve-month Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than twelve months before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limit and the other terms of the plan until there have been twelve months of continuous coverage for the covered injury or illness.

Global Concierge & Assistance ServicesSM Access to a dedicated service team for assistance services
MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
eDocAmerica Access to board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians and fitness trainers to assist with any routine health related questions
World-class Medical Benefits Premium coverage available for in-patient and out-patient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
Medical Benefits Usual, reasonable and customary charges, subject to deductible and coinsurance when applicable
 
Hospital Room and Board Up to the Maximum Limit
Intensive Care Up to the Maximum Limit
Medical Expenses Up to the Maximum Limit
Out-patient Medical Expenses Up to the Maximum Limit
Local Ambulance Up to the Maximum Limit
Emergency Room Accident

Up to the Maximum Limit

Charges incurred for the use of the Emergency Room due to an accident are covered up to the Maximum Limit.

Emergency Room Illness with In-patient Admission

Up to the Maximum Limit

Charges incurred for the use of the Emergency Room for treatment of an illness are covered up to the Maximum Limit if treatment requires admission to the hospital.

Emergency Room Illness without In-patient Admission

Up to the Maximum Limit with additional $250 deductible

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.

Dental

described below

Injury due to an accident: Each Patriot Platinum plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit.

Sudden dental emergency: Each plan will pay up to $250 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Hospital Daily Indemnity

Up to $250

Each plan pays $250 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit.

Supplemental Accident

Up to $300

Each Patriot Platinum plan provides up-front, additional protection for unexpected injuries. This benefit provides up to $300 of first-dollar benefits for treatment of an injury.

International Emergency Care (when coordinated through the Plan Administrator)
 
Emergency Evacuation

Up to the Maximum Limit

The Patriot Platinum plans offer coverage for Emergency Medical Evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Maximum Limit.

Emergency Reunion

Up to $100,000

Each Patriot Platinum plan also offers Emergency Reunion coverage, up to $100,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Mortal Remains

Cremation/Burial

Up to $100,000 for Return of Mortal Remains, or $5,000 for Cremation/Burial

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $100,000; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.

Return of Minor Children

Up to $100,000

If a covered illness/injury results in a hospitalization and/or death and the insured person is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Platinum plans will pay up to $100,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Political Evacuation

Up to $100,000

If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, orders the evacuation of all non-emergency government personnel from the host country, due to political unrest, that becomes effective on or after the insured person’s date of arrival in the host country, the Company pays up to a $100,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the insured person’s home country or country of residence provided that:

  1. The insured person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, issuance of the evacuation order; and
  2. The evacuation order pertains to persons from the same home country as the insured person; and
  3. Political Evacuation and Repatriation is approved and coordinated by the Company;

In no event will the Company pay for a political evacuation if there is a travel warning in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.

To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.

Natural Disaster

$250 per day for five days

This benefit is available in the event an insured person is required to depart his/her destination due to an evacuation order issued prevailing authorities in connection with a Natural Disaster. Natural Disaster is defined as widespread disruption of human lives disasters such as flood, drought, tidal wave, fire, hurricane, earthquake, windstorm, or other storm, landslide, or other natural catastrophe event resulting in migration of the population for its safety.

Remote Transportation

$5,000 per certificate period

$20,000 lifetime maximum

In the event of a diagnosis of a critical medical condition which is not necessarily immediately life-threatening, but severe enough to result in death or a permanent disability if not treated right away, Remote Transportation will provide for eligible charges arising out of the transportation of an insured person to a qualified facility for further treatment (if the current facility is unable to provide such treatment).

To be eligible for the Transportation, Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.

Identity Theft Assistance

Up to $500

If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order to impersonate or obtain credit, merchandise or services in the insured person’s name, thePatriot Platinum plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen identity event; notarization of legal documents, long-distance telephone calls, and postage that has resulted solely as a result of reporting, amending and/or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person’s knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

The identity theft event must occur during the Period of Coverage.

Lost / Theft

(luggage, valuables, personal papers)

Up to $500

A benefit of up to $500 is payable in the event that damage to, loss of, or theft of your checked or stored baggage or personal items by a common carrier or while stored with your hotel and the replacement costs of travel documents.

Felonious Assault

Up to $10,000

If you are injured as a result of a Felonious Assault while traveling outside of your home country, each plan pays up to $10,000. This benefit is in addition to any other benefit available under Patriot Platinum.

Additional Benefits
 
Terrorism

Up to the Maximum Limit

Each Patriot Platinum plan plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims up to the maximum limit. Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person's date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered. 

This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person's arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.

Sports & Leisure Activities

Up to the Maximum Limit for basic sports

Each Patriot Platinum plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activities (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/orsanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee, and or Adventure Sports.

Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.

Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only)

(U.S. citizens only) For those up to age 65 with a primary health plan, Patriot Platinum International will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on the Exclusions page) up to the plan maximum. For those without a primary health plan, Patriot Platinum International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with or without a primary health plan, Patriot Platinum International will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Patriot Platinum plan, and the Pre-existing Condition must be covered under the primary health plan

Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for non-U.S. citizens only)

(Non-U.S. citizens only) For those under age 65, Patriot Platinum America will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those age 65 and older, Patriot Platinum America will pay up to $2,500 lifetime maximum.

Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation

In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

Incidental Home Country Coverage

Up to a cumulative two weeks

During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their home country, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.

End of Trip Home Country Coverage

One month for every four months of travel coverage, up to a maximum of three months

For every four months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of three months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).

Trip Interruption

Up to $10,000

If, during a covered trip, there is an unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Platinum plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Common Carrier Accidental Death

$100,000 per adult, $25,000 per child, maximum of $250,000 per family

If accidental death should occur while traveling on a commercial Common Carrier, $100,000 per adult and $25,000 per child is payable to the designated beneficiary, to a maximum of $250,000 per family.

Accidental Death & Dismemberment

$50,000 principle sum

EachPatriot Platinum plan offers a $50,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of coverage:

  • Accidental Loss of life - principal sum
  • Accidental Loss of two Members - principal sum
  • Accidental Loss of one Member - 50% of principal sum

"Member" means hand, foot or eye.

Small Pet Common Air Carrier Accidental Death

Up to $500

A benefit of up to $500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier. This covers the pet while on the insured’s originating flight from his/her home country, and returning flight to the insured’s home country only. A small pet is a cat or dog up to 30 pounds in weight.

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

AgeLifetime Maximum
0-49$50,000
50-59$30,000
60-64$15,000

Personal Liability Rider

Provides limited protection where Insured is responsible for Injury or personal property damage to a Third Party during coverage period. For injury to a third party, there is a $2,000 limit after a $100 deductible. For damage to third person property, there is a $500 limit after $100 deductible.

Enhanced AD&D Rider

(Individuals Only)

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.

Evacuation Plus Rider

This optional rider is available to insureds up to age 65.  It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.  This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation Up to a maximum of $25,000
Natural Disaster Evacuation Up to a maximum of $5,000

Chaperone/Faculty Leader Replacement Rider

(Groups Only)

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.

Citizenship Return Rider

When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected.

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

 

Looking for a Provider?

Search our database for medical, dental and other care providers.

  • "Although one hopes never to use travel insurance, IMG was a god-send throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.