Patriot Platinum International
Comprehensive | A- (Excellent) | IMG
Travel Insurance with a Difference
Comprehensive | A- (Excellent) | IMG
After the deductible, the plan pays 100% of eligible medical expenses
For U.S & non U.S residents traveling internationally, excluding the USA
Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days
Extendable for up to 365 days
Plan can be purchased after arrival at the destination
Not Available for the following Destination Countries:: Congo, The Democratic Republic of, South Sudan, Uganda
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
Pre-Existing Conditions
| Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
Acute onset Pre-Existing Condition
| up to $1,000,000 : Age 69 and below |
Prescription Drugs / Medicines
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| $25 copay, 100% up to Policy Maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| Average semi-private room and rate |
In-Network
| Not Available |
Out-Network
| 100% up to Policy Maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| Up to policy maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
Dental Emergency
| Up to $300 |
US Border Entry Protection
| Not covered |
Emergency Medical Evacuation / Repatriation
| 100% up to policy maximum |
Return of Mortal Remains
| 100% up to policy maximum |
Trip Interruption
| No Coverage |
Trip Delay
| No coverage |
Lost Luggage
| Up to $500, $50 per item |
Terrorism
| Up to $50,000 |
Personal Liability
| Up to $25,000 |
Identity Theft
| Up to $500 |
Legal Fees
| No coverage |
Lost or Stolen Passport
| No coverage |
Missed Connection
| No coverage |
COVID-19 Medical Coverage
| This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
COVID-19 Testing
| Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
COVID-19 Vaccine/Booster
| No Coverage |
COVID-19 Quarantine Coverage
| No Coverage |
Doctor Wellness Visit
| No Coverage |
Preferred Rates
| Not Available |
IMG
SiriusPoint Speciality Insurance Corporation
A- (Excellent)
| Q1: Am I eligible for the Patriot Platinum International plan? The Patriot Platinum International plan is available for US and non-US citizens and residents, traveling internationally anywhere outside their home country, excluding the USA. |
| Q2: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses, after the deductible is met. |
| Q3: How does billing and claims work internationally? The billing process is determined by the visited medical facility. They may choose to bill the insurance company directly or ask the policyholder to pay upfront. In either case, a claim must be filed for reimbursement of eligible conditions. |
| Q4: How do I use this insurance? Please refer to the following article about the policy usage: |
| Q5: What is the Trip Cancellation, Interruption and Travel Delay Rider and what does it cover? The Trip Cancellation, Interruption, & Travel Delay rider is only available to U.S residents traveling internationally and provides the below benefits if chosen. With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Please review the policy documents for any limits or restrictions. COVERAGES MAXIMUM BENEFIT |
| Q6: How do I file a claim? Please refer to the following article concerning the claim process: |
| Q7: How much does Patriot Platinum International cost? The cost of Patriot Platinum International varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, selected coverage benefit limits, and the addition of additional coverage options (riders). Typically, Patriot Platinum International can cost about $6 a day for the duration of the trip for a person 50 years of age selecting International travel coverage area that does not include USA . |
| Q8: Can I extend the plan, if I plan to stay longer? Yes, you can extend the policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge. |
| Q9: Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Patriot Platinum International plan, if you need to go back earlier than plan. The following rules apply:
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| Q10: Can I cancel only one person from the policy? You cannot remove one person from the 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. |
| Q11: What information do I need to purchase this plan?
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| Q12: When will I receive my ID card? An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your ID card. |
| Q13: If I travel to multiple countries, will I be covered? Coverage will be provided in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates selected. |
| Q14: Does Patriot Platinum International cover coronavirus? Patriot Platinum International 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. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. |
| Q15: When purchasing a plan, can I pay monthly or do I need to make the full payment upfront? Based on the desired coverage length you have selected, you have to make the full payment at once. Since this plan is extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. |
| Q16: Is there a waiting period for coverage to begin on my travel medical plan? Coverage begins on the selected date once the policyholder leaves their home country and only covers conditions occurring after this date. |
| Q17: When does my coverage start and end on my travel medical insurance plan? Travel medical insurance coverage begins on the departure date when the traveler leaves their home country. It applies anywhere outside the home country while the policy is active. Coverage ends immediately upon the traveler's re-entry into their home country. |
| Q18: Will my Patriot Platinum International plan be extended /renewed automatically? No, your Patriot Platinum International 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. |
| Q19: Does the Patriot Platinum International plan cover for the coronavirus vaccine/boosters? The Patriot Platinum International plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions. |
| Q20: Does the Patriot Platinum International plan cover for coronavirus testing? Patriot Platinum International 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. |
| Q21: Does the Patriot Platinum International plan provide quarantine coverage? The Patriot Platinum International plan does not offer any coverage for quarantine. |
| Q22: What's the Rx Discount Card that comes with this plan? This is a discount savings program available to every certificate holder of the Patriot travel plans. 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 |
| Q23: Can I purchase the policy after I arrive at my destination? Yes, you may purchase the policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date. |
| Q24: Why do corrections take 3-5 business days? The insurance provider recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing. |
| Q25: What is the Adventure Sports Rider and what does it cover? The Adventure Sports Rider offered in the Patriot Platinum International 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; wildlife safaris; and windsurfing. |
| Q26: What is the Device/Cellular Protection Rider and who is eligible for this benefit? The Device/Cellular Protection rider 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. |
| Q27: What is the Accidental Death and Dismemberment Rider and what does it cover? The Accidental Death and Dismemberment rider can be added to increase the Accidental Death and Dismemberment benefits already included in the policy. This option must be added and purchased at the time of application, with a minimum coverage period of 3 months. PLEASE NOTE: The premium is charged in whole-month increments. |
| Q28: 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 Provider for up-to-date information |
| Q29: My credit card expired how do I receive my refund? If your original payment method is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing. |
| Q30: Why is my premium $10 when the daily rate calculated is less? To purchase the Patriot Platinum International 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]. |