Patriot Platinum Travel Medical Insurance
Temporary first-class health insurance for individuals, families, and groups
Summary of Benefits
Coverage Information
Conditions of Coverage
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred
Eligibility
The following conditions apply to all persons applying for and/or enrolling in this plan:
- This is travel medical insurance for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country
- For those 65 years of age and older and visiting the U.S., your initial period of coverage must begin within 30 days of arrival in the U.S. This requirement will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your insurance carrier on the application form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your application form
Renewal of Coverage
If your plan is purchased for a minimum of one month, coverage may be renewed (unless there is a break in coverage) for a total of up to three years. Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12 month coverage period. Please note: Renewal rates may differ from initial rates.
- Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the Patient Protection and Affordable Care Act (PPACA)
Quality Guarantee
Your satisfaction is very important to IMG. If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium. You may cancel your plan after your effective date if you do not have any claims filed with IMG, however, the following conditions will apply: 1) You will be required to pay a $50 cancellation fee and 2) Only full month premiums will be considered for refunds (e.g., If you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is nonrefundable.
Ideal for Traveling Outside of Your Home Country
![]() Patriot TravelAmerica |
![]() Patriot PlusAmerica
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![]() Patriot PlatinumAmerica
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Maximum Limit | Up to $1,000,000 | Up to $1,000,000 | Up to $8,000,000 |
Deductible | $0 to $2,000 | $0 to $2,000 | $0 to $25,000 |
Extensions | 24 months | 24 months | 36 months |
Emergency Medical Evacuation | $1,000,000 | $1,000,000 | Up to maximum limit |
Coinsurance ( In Network ) | 100% | 100% | 100% |
Coinsurance ( Out of Network ) | 80% up to $5,000 - then 100% | 80% up to $5,000 - then 100% | 90% up to $5,000 - then 100% |
COVID-19 Coverage* | |||
Acute Onset of Pre-Existing Conditions | |||
Remote Transportation | |||
Supplemental Accident | |||
* Up to policy maximum if contracted and treatment is provided after the policy effective date
![]() Patriot TravelInternational |
![]() Patriot PlatinumInternational
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Maximum Limit | Up to $1,000,000 | Up to $8,000,000 |
Deductible | $0 to $2,000 | $0 to $25,000 |
Extensions | 24 months | 36 months |
Emergency Medical Evacuation | $1,000,000 | Up to maximum limit |
Acute Onset of Pre-Existing Conditions | ||
Remote Transportation | ||
Supplemental Accident | ||
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All Patriot Series Plans Include...
Inpatient & Outpatient Services
- Physician Visits
- Urgent Care Clinic
- Emergency Room
- Intensive Care
Emergency Services
- Local Ambulance
- Natural Disaster Evac
- Return of Mortal Remains
- Return of Minor Children
Other Services
- Accidental Death & Dismemberment
- Dental Treatment
- Emergency Eye Exam
- Lost Luggage
- Identity Theft
- Pet Return
- Prescription Medication