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Patriot Platinum
Underwriter: Sirius International
Plan pays 100% up to policy maximum 
(Outside Network: Pays 90% for first $5000, then 100%)
- Comprehensive coverage plan
- Coverage from 5 days to 365 days
- PPO network (See list of doctors and hospitals)
- Renewable and Cancelable
- Covers during international travel
- $50,000 coverage for Sudden and Unexpected Recurrence of a Pre-existing Condition
- Cannot accept an address in Maryland (MD).
Policy info
Plan Administrator: IMG
Carrier: Sirius International
AM Best Rating: A(Excellent)
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 Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Benefits
Plan Overview
FAQs
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.
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.
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.
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.
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.
Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.
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.
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.
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.
Out-of-Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.
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.
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
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
Acute, spontaneous and unexpected pain
Up to $250
Accidental emergency
100% covered
Emergency Medical Evacuation / Repatriation
100% covered up to the medical maximum
Return of 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
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
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.
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
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
