Patriot Platinum International

Comprehensive Coverage,  Rated A- (Excellent)By: IMG,  UW: Sirius SpecialitySirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Sirius Specialty Insurance Corporation
In Network

After deductible, the plan pays 100% up to the policy maximum.

Out of Network

Plan pays 100% up to the policy maximum.

COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Patriot Platinum International is a high limit travel insurance plan, available for US citizens traveling outside the USA or their home country or country of permanent residence.

Please review Patriot Platinum International Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.


Dr. / Physician Visit

100% covered

Urgent Care

$25 co-pay applies for Urgent Care.
$15 co-pay applies to walk in clinics.
Co-pay waived if $0 deductible is chosen
Plan pays 100% outside of US

Surgical Treatment

100% covered

Prescription Drugs / Medicines

100% covered

Lab & X-rays

100% covered

Physical Therapy

100% covered


Hospital Room

100% covered

Surgical Treatment

100% covered

Hospital Intensive Care Unit

100% covered

Emergency Services

Ambulance Expenses

100% covered

Emergency Room(ER)

100% covered
Separate deductible of $250 applies to ER visit for illness that does not result in direct inpatient hospital admission.

This deductible does not apply to injuries, or illness that lead to hospitalization.


Acute, spontaneous and unexpected pain

Up to $300

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 $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death.

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

$50 per item up to $500 maximum per period of coverage



$50,000 principal sum.

Common Carrier Accidental Death

$25,000 per insured child, $100,000 per insured adult. $250,000 maximum limit per family


Pre-Existing Conditions

Acute onset of a pre-existing condition coverage, with varying limits by age, up to $1,000,000 for those under 70 years old.
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions.
$25,000 maximum limit for emergency medical evacuation


Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

100% Covered



24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company


Carrier / Underwriter

Sirius Specialty Insurance Corporation

AM Best Rating

A- (Excellent)


Can be purchased by any U.S. citizen traveling outside of their home country. Also available to U.S. citizens living permanently outside of U.S. and needing coverage in the U.S. for short trips.

Plan Type

Comprehensive Coverage Plan
Plan pays up to a certain percentage of medical expenses.

Coverage in U.S.A.


Coverage outside U.S.A.



$25 co-pay for Urgent Care;
$15 Co-pay for Walk in Clinics
Co-pay waived if $0 deductible is selected


After the Insured pays the deductible, the program pays 100% to the selected Maximum.

How the Benefits are Paid

The plan pays 100% up to the selected life time maximum limit.

Coverage Type

Lifetime of the policy

Deductible Type

Once Annually or Per Policy Period.


Extendable (Only if initially purchased for 1 month) with $5 fee each time you extend, up to a maximum period of 3 years.


Full refund available if cancelled before the policy start date.
Prorated refund available after start date only if no claims have been made
$50 cancellation fee applicable if cancelled after start date

PPO Network

Coverage Length

Min 5 days to Max 36 months.

Available Deductibles

Choose From: $0, $100, $250, $500, $1,000 , $2,500, $5,000, $10,000, $25,000
Co-pay waived if $0 deductible is selected

Available Coverage

Choose From: $2,000,000,$5,000,000,$8,000,000
Ages 65-69:: Limited to $2,000,000
Ages 70+: Limited to $100,000
Ages 80+: Limited to $20,000

Provider Directory

By Provider, Phone Nos.: 800-628-4664 or 317-655-4500

Plan Brochure

Patriot Platinum International Insurance Brochure brochure

Home Country Definition

U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens:
Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.

US States Restrictions

Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State

Country Restrictions

Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana


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.