(M-F 8:30am-5:30pm PST)
- Plan pays 100% up to policy maximum
- Comprehensive coverage plan
- Coverage from 5 days to 3 years
- PPO network (See list of doctors and hospitals)
- Renewable and Cancelable
- Covers during international travel
- Not available for purchase in Maryland(MD) state.
Patriot Platinum insurance is a travel medical insurance plan that provides medical insurance coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, for treatments within the PPO network, the plan pays 100% up to the policy maximum. Outside the PPO network, the plan pays 90% for the first $5,000 and 100% thereafter. Outside the USA, the plan pays 100% after deductible.
Please review Patriot Platinum Insurance Brochure 
or policy document for complete and accurate coverage information.
Patriot Platinum Insurance FAQs |
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Q1: What information do I need to purchase this plan? Name(s), date of birth, and passport number of the visitor(s). |
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Q2: When will I receive my ID card? The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. While filling out the online application, if you select online fulfillment you will not receive anything in snail mail but in your email. If you select the snail mail piton then you won't receive your ID card in email but to your mailing address within 5-10 business days. You can also retrieve your ID card on imglobal.com: Get My ID Card |
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Q3. 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 |
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Q4. What's the Return Rider? Should I get it? Patriot America Insurance automatically covers the flight from home country to the U.S. but if you want the trip back to home country covered as well then you should purchase the Return Rider. This rider is an additional cost and you'll be able to get a quote for it and select it in the application. |
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Q5. What are the other riders options? Riders are additional features or additional coverage to the standard plan. Not everyone needs all the riders. Patriot America Insurance has the following riders to choose from. All the riders have an additional cost and you'll be able to get a quote for it and select it in the application.
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Q6: Which doctor or hospital can I go to? The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities. You can search for doctors or hospitalsin this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits. |
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Q7: How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? |
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Q8: How do I file a claim? Please refer to the following article concerning the claim process: |
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Q9: When I buy this plan, 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 this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal. |
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Q10: Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs section. If you still have questions, please call our support line toll free: 1.866.384.9104 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 |
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Out-Patient |
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| Dr. / Physician Visit |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Surgical Treatment |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Prescription Drugs / Medicines |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Lab & X-rays |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Physical Therapy |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
In-Patient |
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| Hospital Room |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Surgical Treatment |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Hospital Intensive Care Unit |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
Emergency Services |
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| Ambulance Expenses |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. |
| Emergency Room(ER) |
In-Network: The plan pays 100% to the selected maximum. Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Emergency Room illness without In-patient Addmission $250 dedcutible |
Dental |
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| Acute, spontaneous and unexpected pain | Up to $250 |
| Accidental emergency | 100% covered |
Travel |
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| Emergency Medical Evacuation / Repatriation | 100% covered up to the medical maximum |
| Return of mortal Remains | Coverage Up to a maximum of $50,000 for return of Mortal Remains to the insured’s home country Or up to $5000 for the preparation , local burial and cremation of your mortal remains at the place of death cremation. |
| Emergency Reunion | Up to $100,000 |
| Return of minor Child(ren) | Up to $100,000 |
| Trip Interruption | Up to $10,000 |
| Loss of checked Baggage | $500 max |
Life |
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| AD&D | Up to $50,000 |
| Common Carrier Accidental Death | Up to $100,000 per Adult; $25,000 per child , to the maximum of $250,000 per family |
Other |
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| Pre-Existing Conditions |
Non US Citizens: Up to the age of 65, $50,000 life time maximum for eligible Medical Expenses. $25,000 life time maximum for Emergency Medical Evacuation. US Citizens(Medical): Up to the age of 65 with primary health plan- URC up to plan maximum. Up to the age of 65 without primary health plan $20,000 life time maximum for eligible medical expenses. Age 65+ with or without primary health plan- $2500 lifetime maximum. US Citizens(Emergency Medical Evacuation): Up to $25,000 of eligible costs and expenses. |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | 100% covered |
| Brochure |
Patriot Platinum Insurance Brochure 
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Support |
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| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
| Plan Administrator Company | IMG |
| Carrier / Underwriter | Sirius International |
| Eligibility | Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card living outside the US can also purchase the plan for temporary coverage in US. can purchase the plan. A U.S citizen travelling outside the U.S. with a brief return in U.S. can also purchase the plan. For person below 65 coverage must begin within 6 months of arrival in US and for person over 65 coverage must begin within 30 days of arrival in US(condition waived with proof of previous valid insurance ). |
| Plan Type | Comprehensive Coverage Plan Plan pays up to a certain percentage of medical expenses. |
| AM Best Rating | A (Excellent) |
| Coverage in U.S.A. | Covered |
| Coverage outside U.S.A. | Covered |
| Co-Pay | No Co-pay (You pay the difference of the fixed benefits defined by the benefit table) |
| Co-Insurance | After the Insured pays the deductible: Within US and Canada- Inside PPO Network: The plan pays 100% to the selected maximum. Outside the PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the United States and Canada:The plan pays 100% to the selected maximum. |
| How the Benefits are Paid | After the Insured pays the deductible: Within US and Canada- Inside PPO Network: The plan pays 100% to the selected maximum. Outside the PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the United States and Canada:The plan pays 100% to the selected maximum. |
| Coverage Type | Lifetime of the policy |
| Deductible Type | Once Annually or Per Policy Period. |
| Renewability | Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, up to a maximum period of 3 years. |
| Cancellation | Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable) |
| PPO Network | First Health Network |
| Coverage Length | Min 5 days to Max 36 months. |
| Available Deductibles | Choose From: $0, $100, $250, $500, $1,000 , $2,500, $5,000, $10,000, $25,000 |
| Available Coverage | Choose From: $1,000,000,$5,000,000,$8,000,000 Ages 70+: Limited to $100,000 Ages 80+: Limited to $20,000 |
| Provider Directory | By Provider, Phone Nos.: 800-628-4664 or 317-655-4500 |
| Plan Brochure | Patriot Insurance Brochure |
| US States Restriction | Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State |
| Home Country Definition | U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application. |
| Country Restriction | Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana |
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Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding. |
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