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Patriot America Platinum : Reviews, Ratings, and Feedback

Patriot America Platinum

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

Patriot America Platinum Insurance is a comprehensive short-term travel medical insurance plan from International Medical Group (IMG), designed for non-U.S. residents traveling outside their home country when the United States is included as a destination. The plan provides coverage for eligible unexpected illnesses and injuries, with policy maximum options of up to $8 million, emergency medical evacuation up to the policy maximum, and access to telehealth and other travel assistance services, subject to the selected coverage and policy terms.

For travelers comparing Patriot America Platinum travel insurance or visitor insurance for the USA, the plan can provide higher medical coverage limits for temporary stays in the United States and other eligible destinations. The plan is administered by IMG and underwritten by SiriusPoint Specialty Insurance Corporation. Travelers whose trip does not include the United States can instead consider Patriot Platinum International, which is designed for international travel outside the U.S. Coverage is subject to deductibles, eligibility requirements, exclusions, limitations, and the applicable certificate and policy terms.

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 (Excellent)
  • 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

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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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VisitorsCoverage Support