VisitorsCoverage logo

Patriot Platinum : Reviews, Ratings, and Feedback

Patriot Platinum

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Patriot Platinum (A.M. Best Rating: A-) is a premium travel medical insurance plan for international travelers seeking the highest level of medical coverage while visiting the United States or traveling abroad. High policy maximums, comprehensive benefits, and worldwide emergency assistance make it an excellent choice for luxury vacations, business travel, and extended international trips. Coverage 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 selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum.

Patriot Platinum does not cover pre-existing conditions. Patriot Platinum includes acute onset coverage of pre-existing conditions for travelers under age 70: up to $1,000,000 for eligible travelers, $20,000 for U.S. citizens without primary health coverage, and $2,500 for ages 65–69.

Review the Patriot Platinum Insurance plan policy documents for complete and accurate coverage and exclusions.

Learn more about 3 optional add-on benefits available on this plan.

Plan Highlights

  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • COVID-19 Coverage: Included
  • 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

  • A.M. Best Rating: A
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • 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
  • COVID-19 Included
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

Similar Plans

Atlas America

Comprehensive Coverage Plan, Comprehensive Coverage Plan, A.M. Rating: A
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Best for:
Visitors to the USA

Travel Medical Insurance policy for non US-Citizens, traveling internationally including USA.

ChoiceAmerica®
Featured

Limited Coverage Plan, Limited Coverage Plan, A.M. Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Budget planLimited Pre-existing Conditions

Travel Medical Insurance Plan for non US Citizens visiting the United States, Mexico or Canada.

CoverAmerica-Gold®
Best Seller

Comprehensive Coverage Plan, Comprehensive Coverage Plan, A.M. Rating: A
Underwriter: Sirius Specialty Insurance Corporation

Best for:
Visitors to the USA

COMPREHENSIVE TRAVEL MEDICAL INSURANCE FOR VISITORS TO USA

Coverage for non-U.S. residents and non-U.S. citizens, while traveling to the United States and incidental trips to Canada, Mexico, Latin America, Bahamas and South America.
Preferred ratePreferred rate availableLearn moreWhy CoverAmerica-Gold?Why CoverAmerica-Gold?Learn more
Safe Travels USA Comprehensive

Comprehensive Coverage Plan, Comprehensive Coverage Plan, A.M. Rating: A
Underwriter: Zurich Insurance Europe AG Belgian branch

Travel Medical Insurance Plan for international traveler traveling to the U.S or the U.S and worldwide

0/3 selected

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.

Luna
VisitorsCoverage Support