Patriot Platinum America Travel Medical Insurance Guide
The Patriot Platinum America travel medical insurance plan is a premier solution for individuals seeking quality healthcare worldwide during international travel.
Designed by IMG (International Medical Group), this platinum insurance offers robust benefits such as emergency medical evacuation, coverage for Acute onset of pre-existing conditions, and comprehensive travel protections.
With high maximum coverage limits and access to an extensive national network of board-certified doctors, the Patriot America Platinum insurance plan is ideal for U.S. citizens traveling outside their home country and non-U.S. citizens traveling to the U.S.
Overview Of The Patriot Platinum Travel Medical Insurance Plan
The Patriot travel medical insurance series plans from IMG are very popular among international travelers. Patriot America Plus is a very popular plan among parents visiting the USA.
The Patriot travel medical insurance series of plans are ideal for traveling outside the home country and are available to both U.S. citizens traveling outside the USA or country of residence and non-US citizens traveling to the USA or outside their home country. The travel medical insurance plans are:
For coverage inside the USA:
- Patriot America Lite.
- Patriot America Plus.
- Patriot America Platinum.
For coverage outside the USA:
- Patriot Lite International.
- Patriot Platinum International.
The Patriot Platinum Plan provides customizable medical coverage for individuals, families, and groups traveling internationally.
Patriot America Platinum travel medical insurance covers eligible medical expenses, accidents, and unexpected illnesses.
Travelers benefit from access to direct billing within the medical network, ensuring streamlined and stress-free care.
Compare Travel Insurance Plans
Key Benefits And Coverage
| Benefit | Coverage Details |
|---|---|
| Plan Maximum Limit | Up to $8,000,000 |
| Deductible Options | Ranges from $0 to $25,000 |
| Coinsurance | 100% coverage after the deductible for care within the national network |
| Emergency Medical Evacuation | 100% |
| Acute Onset of Pre-existing Conditions | Covers the onset of pre-existing conditions for travelers under 70 years of age |
| Accidental Death and Dismemberment | Up to $50,000 |
| Incidental Trip | 14 days |
| Personal Liability Coverage | Yes |
| Adventure Sports Rider | Optional rider coverage for select activities |
| Emergency Room Visit | 100%Subject to $250 deductible for illness unless admitted; i |
| Repatriation of Remains | Max up to period of coverage limit |
| Return of Minor Children | Max Up to $100,000 |
| Prescription Drugs | Covers up to the maximum limit for prescription drugs |
| Physician Visits | Up to the maximum limit of physician visits for eligible medical care |
| Radiology and Laboratory Services | Covers up to the maximum limit radiology and maximum limit laboratory diagnostics |
| Physical Therapy and Rehabilitation | Yes |
| Evacuation for Political & Natural Disasters | Covers transportation and replacement accommodations |
| Lost Luggage | Up to $500 reimbursement for lost baggage |
| Non-Emergency Medical Evacuation | Up to $50,000 for insured person under 65 years of age |
| Pet Return | Covers return transport of a pet if the insured is hospitalized |
| Emergency Reunion | Up to $10,000 for travel and accommodation for a relative during the insured’s hospitalization |
| Sound Natural Teeth Treatment | Covers treatment for sound natural teeth up to the maximum limit |
Eligibility For Patriot Platinum America Insurance
- Who Can Apply:
- U.S. citizens traveling outside their home country.
- Non-U.S. citizens visiting the U.S.
- Minimum Coverage Period:
- Coverage must be purchased for at least 5 days.
- Maximum of Three Years:
- Policies can be renewed annually for up to three years.
- Incidental Home Country Coverage:
- Provides coverage for brief visits to the home country under specific conditions.
- Maximum days 14.
- Insured person’s country of residence is not the U.S.
Key Features Of The Patriot Platinum Travel Medical Insurance Plan
- Comprehensive Medical Coverage:
Covers eligible medical expenses, including emergency room visits, maximum limit radiology, and sound natural teeth treatment. - Emergency Medical Evacuation:
Includes transportation to the nearest qualified facility for urgent treatment, ensuring high-quality healthcare standards. - Pre-existing Condition Coverage:
Offers protection for acute onset of pre-existing conditions, with eligibility criteria for specific age groups. - Travel and Personal Protections:
Covers deductible lost luggage, accidental death and dismemberment. - International Provider Access
- The Patriot America Platinum travel insurance plan offers seamless access to a global network of trusted healthcare providers through its International Provider Access (IPA) feature. This extensive network includes board-certified doctors, hospitals, and emergency facilities worldwide, ensuring quality care wherever you travel.
- The plan simplifies the process of locating and utilizing medical services abroad by offering direct billing to participating providers, minimizing out-of-pocket expenses for the insured. Whether you’re seeking treatment for a sudden illness, an injury, or a covered acute onset of a pre-existing condition, the IPA ensures timely and reliable healthcare, delivering peace of mind to international travelers.
Coverage For Acute Onset Of Pre Existing Conditions
- Acute Onset of Pre-existing Conditions Details
- Pre-existing conditions coverage is restricted to acute onset only.
- Coverage applies only to insured individuals under 70 years of age.
- Subject to deductible and coinsurance unless otherwise specified.
- Coverage is limited to Usual, Reasonable, and Customary Charges for eligible expenses.
| Category | Age Group | Maximum Limit | Additional Notes |
|---|---|---|---|
| United States Citizens | 64 and under (no Primary Health Plan) | $20,000 | Must not have a primary health plan to qualify for this limit. |
| United States Citizens | 64 and under (with Primary Health Plan) | $1,000,000 | Coverage is extended significantly if a primary health plan is in place. |
| United States Citizens | 65 to 69 years | $2,500 | Limited coverage for older individuals. |
| Non-United States Citizens | 69 and under | $1,000,000 | Standard coverage applies across this group. |
| Emergency Medical Evacuation | Under 70 years | Up to $25,000 for evacuation | Must arise directly from an Acute Onset of a Pre-existing Condition |
Policy Exclusions And Limitations
While the Patriot Platinum travel medical insurance offers extensive benefits, it also has certain exclusions and limitations that policyholders should be aware of:
- Pre-existing Conditions: Coverage for pre-existing conditions is limited and subject to specific eligibility requirements. Policyholders must meet these criteria to qualify for coverage.
- Maximum Limits: The plan includes maximum limits for various benefits, such as medical expenses, emergency medical evacuation, and repatriation of remains. It’s essential to understand these limits to manage expectations.
- Coinsurance: The plan incorporates a coinsurance provision, meaning policyholders may need to cover a portion of eligible medical expenses. This aspect helps manage out-of-pocket costs.
- Deductible: A deductible must be met before the insurance company begins to pay benefits. Understanding the deductible options can help policyholders choose a plan that fits their budget and needs.
How To Purchase Patriot Platinum Travel Medical Insurance
The Patriot Platinum America Plan can be purchased online, with coverage beginning on the selected effective date. Once the deductible and premium are paid, travelers gain instant access to comprehensive protections, including direct inpatient hospital admission for medical emergencies.
Policy Cancellation And Refund
Policyholders have the flexibility to cancel their Patriot Platinum travel medical insurance policy. If the cancellation occurs before the effective date, a full refund of the premium is available. For cancellations after the effective date, policyholders may be eligible for a partial refund of the premium, minus a $50 cancellation fee. However, it’s important to note that if a claim has been filed, the premium becomes non-refundable. This policy ensures that policyholders have options if their travel plans change unexpectedly.
Travel Assistance Services
Patriot Platinum travel insurance offers a suite of travel assistance services designed to support policyholders during their travels:
- Emergency Medical Evacuation: The plan provides transportation to the nearest qualified medical facility if a policyholder requires urgent medical attention, ensuring they receive high-quality care.
- Repatriation of Remains: In the unfortunate event of a policyholder’s death, the plan covers the return of their remains to their home country, providing peace of mind for loved ones.
- Travel Assistance: The plan offers assistance with travel-related issues, such as lost or stolen passports and travel delays, helping to resolve these problems quickly and efficiently.
Conclusion
The Patriot Platinum America travel insurance plan offers unrivaled medical coverage and travel protection for individuals and families including U.S. citizens traveling outside their home country or country of residence.
With high maximum limits, access to international provider networks, and benefits for personal liability and emergency medical evacuation, this plan is a top-tier choice for travelers.
Secure your Patriot Platinum travel medical insurance today and enjoy peace of mind on your journey.
Frequently Asked Questions (FAQs)
What is the maximum coverage limit for the Patriot Platinum America travel medical insurance plan?
The Patriot Platinum America plan has a maximum coverage of $8,000,000 per policy period. This ensures you get comprehensive medical protection while traveling.
What types of medical expenses are eligible for coverage under the Patriot America Platinum plan?
The plan covers many medical expenses. This includes hospital stays, doctor visits, emergency room care, and more. It ensures you have access to quality healthcare during your trip.
How long can I be covered under the Patriot America Platinum plan?
You can be covered for up to 364 days. You can also renew your policy for up to 3 years. This gives you flexibility for your travel needs.
Does the Patriot America Platinum plan cover pre-existing conditions?
Yes, the plan covers the acute onset of pre-existing conditions. However, it’s important to review the details to understand the extent of protection for your specific needs.
What emergency medical services and evacuation benefits are included in the Patriot America Platinum plan?
The plan includes emergency room coverage and medical evacuation protocols. It also covers emergency medical transportation. This ensures you get the care you need in critical situations.
How does the Patriot America Platinum plan provide access to international healthcare providers?
The plan offers access to a global network of doctors and healthcare facilities. This allows you to receive the care you need, no matter where you travel.
What premium features are included in the Patriot America Platinum plan?
The plan includes direct billing with healthcare providers and hospital indemnity benefits. It also offers comprehensive prescription drug coverage. These features simplify your healthcare experience during travel.
How do the deductible options and cost structure work for the Patriot America Platinum plan?
The plan offers various deductible options to fit your budget and travel needs. It also includes coinsurance provisions. This helps you understand your out-of-pocket costs.
What additional coverage options are available with the Patriot Platinum America plan?
The plan offers an Adventure Sports Rider for extreme sports coverage. It also has other optional coverage enhancements to meet your specific travel needs.
What travel benefits beyond medical coverage are included in the Patriot Platinum America plan?
The plan includes lost luggage protection and trip interruption coverage. It also offers personal liability coverage. These benefits provide a well-rounded insurance solution for your travels.
How do I file a claim and access customer support for the Patriot Platinum America plan?
The plan has a straightforward claims process. It also offers dedicated customer support services. These ensure a smooth healthcare experience during your travels.
What personal liability and accidental death benefits are included in the Patriot America Platinum plan?
The plan offers personal liability coverage for incidents involving third-party property. It also includes accidental death and dismemberment benefits. These provide additional protection for you and your travels.
Are prescription drugs covered?
Yes, maximum limit prescription drugs are covered for eligible treatments prescribed by a physician.
Does the plan cover emergency medical evacuation?
Yes, 100% up to the period of coverage limit for emergency medical evacuation, ensuring immediate access to necessary care.
