Patriot Platinum International is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days. After the deductible is satisfied, the plan will pay 100% of eligible medical expenses up to the policy maximum. Learn more about how Patriot Platinum International works.
Patriot Platinum International can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Patriot Platinum International does not cover Pre-Existing medical conditions. Please review Patriot Platinum International policy documents for complete coverage and exclusions.
Patriot Platinum International
Comprehensive Coverage,
SiriusPoint Speciality Insurance Corporation
Learn more about 4 additional coverage options available on this plan.
How Patriot Platinum International Works
100%
Out of Network
100% up to policy maximum See How Patriot Platinum International Works.
Key Travel Medical Insurance Benefits
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
How COVID-19 is Covered Under Patriot Platinum International
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Eligibility
- For U.S & non U.S residents traveling internationally, excluding the USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Similar Plans
Atlas International
Comprehensive Coverage
Underwriter: Lloyd's of London
In Network:Not Available.
Out of Network:100% up to policy maximum.
- COVID-19 Coverage: Included
- After the deductible, 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
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
Patriot International Lite
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:Not Available.
Out of Network:100% up to policy maximum.
- COVID-19 Coverage: Included
- 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
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.Please see brochure for exclusions and restrictions.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Trip Cancellation and Interruption Coverage
Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours).
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.
| COVERAGES | MAXIMUM BENEFIT |
|---|---|
| Trip Cancellation | 100% of Trip Cost |
| Trip Interruption | 125% of Trip Cost |
| Travel Delay | $2,000/$250 (Per Day) |
| Accidental Death & Dismemberment Air Flight Only | $10,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
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.
