OnshoreKare

Q1: Am I eligible for the Patriot Platinum plan?

The Patriot Platinum plan is available for any non-US resident, visiting the USA or anywhere outside their home country, for a short period of time.

Q2: Are pre-existing conditions covered by the Patriot Platinum plan?

Pre-existing conditions are not covered by the Patriot Platinum plan. However, the Patriot Platinum plan covers for an acute onset of a pre-existing condition. It covers, with varying limits by age, up to $1,000,000 for people up to 69 years of age; For age 70 and over, the plan does not provide coverage for acute onset of a pre-existing condition. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

Q3: What is an acute onset of a pre-existing condition for Patriot Platinum?

For the Patriot Platinum policy, an acute onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, and is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under sudden and unexpected recurrence of a pre-existing condition.

Q4: Which doctor or hospital can I go to with Patriot Platinum?

You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for the Patriot Platinum plan, which is the United Healthcare PPO Network.

You can search for doctors or hospitals in this Provider Directory.

Q5: What is the difference between Patriot Platinum and Patriot America Plus?

Patriot Platinum provides more extensive and higher-level coverage compared to Patriot America Plus, making it suitable for travelers seeking more comprehensive protection.

Q6: How do I file a claim with Patriot Platinum?

Please refer to the following article concerning the claim process: Visitor Insurance Claim Process

Q7: How much does Patriot Platinum cost?

The cost of Patriot Platinum varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. Typically, it can cost about $9 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.

Q8: How do I use Patriot Platinum?

Please refer to the following article about the policy usage for Patriot Platinum: How to Use Your Visitor Insurance

Q9: Why are there state restrictions for Patriot Platinum and will it impact me if I visit one of those states?

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, Patriot Platinum will cover you in all 50 states during your active policy period.

Q10: Can I extend Patriot Platinum if I plan to stay longer?

Yes, you can extend Patriot Platinum. You would need to extend the plan before the policy expires. There would be an extra $5 extension charge.

Q11: Can I cancel Patriot Platinum, if I plan to go back earlier?

Yes, you can cancel and get a refund for the Patriot Platinum plan, if you need to go back earlier than planned. The following rules apply:

• Submit cancellation request through your account.
• If you cancel the policy before the start date, you are eligible for a full refund.
• If you cancel after the policy start date, you can get a refund only if no claims have been filed.
• $50 cancellation fee applies to cancellations after the start date.

Q12: Can I cancel only one person from the Patriot Platinum policy?

You cannot remove one person from the Patriot Platinum policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

Q13: What information do I need to buy Patriot Platinum?

To purchase Patriot Platinum, you will need the traveler's names, date(s) of birth, home country address, and a valid credit card.

Q14: When will I receive my ID card for Patriot Platinum?

You can print out your Patriot Platinum ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online application, you will receive confirmation in your e-mail. You can also retrieve your ID card using MyIMG: Get My ID Card

Q15: If I am traveling to multiple countries, will I be covered by Patriot Platinum?

Patriot Platinum will provide coverage in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Q16: Does Patriot Platinum cover coronavirus?

Patriot Platinum can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Patriot Platinum plan does not cover for the COVID-19 vaccine/booster. Patriot Platinum will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Q17: When I buy Patriot Platinum, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once. Since Patriot Platinum is extendable you can purchase the coverage for a shorter duration and then extend the coverage as needed. There is an extension fee of $5 that must be paid eveytime the policy is extended in addition to the additonal premium.

Q18: Is there a waiting period for coverage to begin on Patriot Platinum?

Coverage will begin on the date selected and once the policyholder has left their home country. The Patriot Platinum policy will only cover for conditions that occur after the policy effective date.

Q19: I'm traveling to multiple countries and inputted all the destinations during the quoting process. Why does my Patriot Platinum policy documents only list one destination country?

Only the primary destination in the Patriot Platinum application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Q20: When does my coverage start and end on my Patriot Platinum plan?

Patriot Platinum coverage will begin on the coverage start date that was selected on the policy at 12:01 AM ET and once the traveler has departed from their home country. Coverage will end when the policy expires or when the traveler has arrived back in their home country, whichever happens first.

Q21: Will my Patriot Platinum plan be extended /renewed automatically?

No, your Patriot Platinum plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

Q22: Does the Patriot Platinum plan provide quarantine coverage?

The Patriot Platinum plan does not offer any coverage for quarantine.

Q23: I am on a student visa, am I eligible to purchase Patriot Platinum as a short term health option during my participation in school or educational program?

If your school or educational program does not any have specific health insurance requirements to meet, Patriot Platinum can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them.

Q24: What is the Rx Discount Card that comes with Patriot Platinum?

This is a discount savings program available to every certificate holder of the Patriot Platinum plan. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card

Q25: Why does it take 3-5 business days to make a policy correction for Patriot Platinum?

The insurance provider recommends that you submit any correction requests, for Patriot Platinum, in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

Q26: What is the Adventure Sports Rider offered with Patriot Platinum and what does it cover?

The Adventure Sports Rider offered in the Patriot Platinum plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; 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.

PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please view the Certificate of Insurance for further details.

Q27: What is the Device/Cellular Protection Rider, offered with Patriot Platinum, and who can purchase it?

The Device/Cellular Protection rider, offered in the Patriot Platinum plan, is an optional coverage that certain residents can purchase to cover their cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.

Residents from the following countries have the option to purchase this additional rider for coverage during their international travels: USA, Belgium, Netherlands, Norway, Sweden, Finland, Denmark, Austria, Italy, Ireland, South Korea, Hong Kong, Vietnam, Malaysia, Indonesia, Philippines, Thailand.

To learn more about the Device/Cellular protection rider, click here.

Q28: What is the Accident Death and Dismemberment Rider offered with Patriot Platinum and what does it cover?

The Accidental Death and Dismemberment rider offered in the Patriot Platinum plan is a choice exclusively offered to the main insured person, and it must be acquired at the time of application, with a minimum requirement of 3 months of coverage. This additional rider provides enhanced coverage on top of the standard Accidental Death and Dismemberment benefit already incorporated within the policy. PLEASE NOTE: The Premium is charged in whole-month increments

Q29: If I cancel Patriot Platinum and my credit card expired how do I receive my refund?

If you cancel Patriot Platinum and if your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

Q30: Why is my premium, for Patriot Platinum, $10 when the daily rate calculated is less?

To purchase the Patriot Platinum policy, the minimum premium must be at least $10. If your total premium for the duration of coverage is less, you will be charged $10 to meet the requirement. If you have further questions regarding the $10 premium minimum, please feel free to contact our licensed insurance specialist at [email protected].

Q31: Where can I find answers to other questions I have?

Learn more from informative articles at the Visitor Insurance Information section.

Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the insurance provider for up-to-date information