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Patriot Platinum : Reviews, Ratings, and Feedback

Patriot Platinum

Comprehensive Coverage,Rated A- (Excellent)
SiriusPoint Speciality Insurance Corporation

Patriot Platinum is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 90% of the first $5,000 of eligible medical expenses then 100% thereafter. Learn more about how Patriot Platinum works.

Patriot Platinum can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Please review Patriot Platinum Insurance plan brochure and description of coverage for complete and accurate coverage and exclusions.

Plan Highlights

  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses within the PPO network; Outside the PPO network, plan pays 90% of eligible medical expense up to $5,000, then 100% thereafter
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions
  • Pre-Existing Conditions: No Coverage
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: SiriusPoint Speciality Insurance Corporation
  • Best Suitable for: Non U.S residents traveling internationally, including the USA
  • Eligibility (Who can buy this travel insurance?): International including USA
  • Type of coverage: Comprehensive Coverage Plan
Reviews and Ratings

Reviews & Ratings

  • AM Best Rating: A- (Excellent)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • COVID-19 Included
  • United Healthcare PPO Network
  • After the deductible plan pays: 100% up to the policy maximum within the PPO Network
  • International Coverage including the USA
  • Acute onset of Pre-Existing Conditions
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to policy maximum limit
  • Optional Adventure Sports Rider
  • Optional Evacuation Plus Rider
What's Not So Good

What's Not So Good

  • No Acute Onset Coverage for those above the age of 70
  • $50 cancellation fee
  • Precertification required for certain medical treatments to avoid 50% reduction in benefits

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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.