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Patriot Platinum International : Reviews, Ratings, and Feedback

Patriot Platinum International

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

Best for:
Worldwide
Patriot Platinum International Insurance is a comprehensive short-term travel medical insurance plan from International Medical Group (IMG), designed primarily for international travelers who are traveling outside the United States. Coverage is available for trips of at least five days, with maximum limits reaching $8 million and deductible options ranging from $0 to $25,000, depending on the selected plan. Benefits can include eligible medical treatment, emergency medical evacuation, and access to IMG’s international assistance services, subject to the policy’s terms, limits, exclusions, and eligibility requirements.

For travelers comparing Patriot Platinum International travel insurance, the plan may be relevant when substantial medical protection is a priority during international trips. It is administered by IMG and underwritten by SiriusPoint Specialty Insurance Corporation. Importantly, this is not the Patriot Platinum plan designed as visitor insurance for the USA; non-U.S. residents visiting America should look at Patriot Platinum instead. As with any travel medical insurance, the certificate and current plan documents should be reviewed carefully before purchasing.

Learn more about 4 optional add-on benefits available on this plan.

Plan Highlights

  • After the deductible, the plan pays 100% of eligible medical expenses
  • 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: International travelers needing coverage outside home country
  • Eligibility (Who can buy this travel insurance?): International excluding 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

  • No PPO Network: Visit Any Doctor/Hospital
  • After the deductible plan pays: 100% up to the policy maximum
  • Medical Coverage During Travel
  • Acute Onset of Pre-Existing Condition
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $1,000,000
  • 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
  • $20,000 maximum limit for travelers over 80 years of age
  • $50 cancellation fee

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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.

Luna
VisitorsCoverage Support