Patriot Platinum Plan for USA Visitors or Intl. Travelers
Patriot Platinum Insurance is a high-end comprehensive plan, Patriot Platinum America for visitors to the USA, Patriot Platinum International for travel outside America. Review the Patriot Platinum Travel Medical Plan which includes coverage for acute onset of pre-existing conditions, administered by International Medical Group (IMG) and underwritten by SiriusPoint.
COVID-19 / SARS-CoV-2 / Coronavirus After September 1, 2020, the plan administrator IMG has updated the certificate and only the Patriot Platinum America plan includes coverage for testing/treatment of COVID19 for visitors to the USA, but the Patriot Platinum International plan excludes coverage for travelers outside America. The World Health Organization (WHO) issued a global pandemic warning in March 2020.
Patriot Platinum Insurance is the best comprehensive visitor medical insurance offering with high maximum coverage limits up to USD $8 million. This top rated visitors insurance coverage is specially designed for discerning visitors to USA or international travelers outside home country to any other nation abroad. This visitor health insurance policy offers best coverage benefits including medically supervised emergency evacuations, emergency reunions or repatriation of mortal remain as part of the included benefits.
- Quote and Buy Patriot Platinum Insurance online
- Review the Patriot Platinum Insurance Brochure
- Review the Patriot Platinum Insurance Certificate
Patriot Platinum Insurance plan includes optional Hazardous Sports Rider (for risks pertaining to participation in adventure sports) and Home country Return Rider (provides temporary medical coverage for non-US citizens returning to their country of citizenship).
Patriot Platinum Travel Medical Insurance plan is administered by International Medical Group, Inc. (IMG) and policy is underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
Patriot Platinum Insurance Review
Best Plan for Travel to USA or Intl. COVID-19
Notes: High-end travel medical policy for higher maximums and other elite benefits, includes Covid-19 coverage for visitors to the USA, also has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years. Renewable.
Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA or traveling outside home country. The plan is also available for both foreign nationals and expat US citizens while visiting the U.S.
Coverage Duration: Minimum of 5 days to maximum of 1 year (365 days).
Amounts:
- Member (< 70 yr.) maximums: $2, $5, or $8 million
- Choice of deductible: $0 to $25,000
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: For treatment received within USA, plan uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO) network (depends on insured home country), NO co-insurance applies when you stay within the IMG PPO network to consult a doctor or hospital for medical care.
Renew or Extend: Renew up to 3 years (36 months) in total without lapse in coverage, renewal must be process prior to expiration date of policy.
Other Highlights
- Foreign residents visiting the USA, or outside home country
- US Citizens or Foreign nationals traveling overseas
- Sickness/injury plans for visitors to America or abroad
- Acute-onset of pre-conditions included
- Coverage for Covid-19/coronavirus included
- Quote & purchase online for single trip
- Liability coverage protections included in benefits
- Optional riders to policy available during quoting
Patriot Platinum Insurance Highlights
- Short-term travel medical coverage outside home country
- Plan designed to suit both USA visitors or international travelers
- Coverage for individuals, families, groups, and their dependents
- Suits foreign residents visiting USA, traveling outside their home country
- Suits U.S. citizens traveling abroad to any overseas destination
- Maximum limit choices, USD 1 million to USD 8 million, ages below 70
- One time deductible options range from $0 to a high $25,000
- Plan covers acute onset of pre-existing conditions
- Extend or renew policy to 3 years (36 months) total duration
- Wide PPO network of doctors, hospitals, and other providers
- Freedom to seek treatment within or outside PPO network
- Save on co-insurance costs within PPO network
- Universal Rx pharmacy discount savings included
- Access policy certificate on the Client Dashboard online
- Professionals to assist and answer routine health related questions
Patriot Platinum Insurance Suits
- Discerning USA visitor or international traveler needing the best plan
- Relatives or parents visiting USA needing best comprehensive coverage
- New immigrants needing interim coverage in USA
- Visitors or travelers seeking first-class medical coverage
- Tourists or vacationing individuals or families
- Business executives needing the best coverage
Patriot Platinum Insurance Information
Patriot Platinum America Insurance is a high-end first-class travel medical and visitor health coverage specially designed for the discerning tourist visiting America, relatives and parents visiting USA, or international travelers going abroad to any foreign destination country.
Patriot Platinum travel health insurance comes in two available choices: Patriot America Platinum for the foreign nationals visiting USA and traveling to any other foreign country, and Patriot International Platinum for non-US and US citizens who are traveling abroad to any overseas destination outside the U.S.
- Patriot Platinum America is for foreign residents visiting USA, and traveling outside their home country of residence.
- Patriot Platinum International is for non-US or US citizens traveling abroad outside the United States to any overseas destination.
Patriot Platinum Insurance - Plan Overview
Patriot Platinum Visitor Insurance is designed for tourists or relatives or parents visiting USA, and/or individuals/family traveling outside their home country, suitable for tourist visiting America for leisure vacation or sightseeing, and even business travelers.
- Eligibility: Individuals and/or family visiting the USA, or traveling outside America and their home country (primary residence).
- Patriot America Platinum plan is ideally suited for parents visiting USA or relatives travel to America.
- Policy Maximum: Plan offers maximum coverage choices:
- Age below 70 years from US$2,000,000, US$5,000,000 or US$8,000,000 for the life of the plan.
- Ages 70 to 79 years, the maximum coverage is limited to US$100,000, and
- Ages 80 years and older, it is reduced to only US$20,000.
- Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 , US$5000, or US$25000 deductible per certificate/renewal period.
- Coinsurance Amount: For treatment received in USA only, outside the USA no coinsurance applies.
- Outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible.
- Inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
- Policy Duration:
- Minimum purchase period of 5 days to maximum 1 year.
- Continue coverage with renewal period of 3 years total (36 months).
- Coverage Benefits: Covers Hospital Room and Board charges, Emergency Room and Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs savings included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
- Pre-Existing Conditions: Only acute onset of pre-existing condition coverage is available with this plan for ages below 70 years, and for ages above 70 years, this benefit is NOT available. Please refer to the “Certificate of Insurance” document for plan exclusions of conditions that are not covered.
- Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation, a top rated global specialty underwriter.
- Administrator: Plan is administered in the United States and worldwide by International Medical Group (IMG).
More Information
Patriot Platinum America plan provides sickness/injury coverage for non-U.S. citizens visiting the United States and traveling outside home country. Patriot Platinum International provides coverage for U.S. citizens traveling outside the United States with coverage for brief returns to the U.S. The plan offers periods of coverage from 5 days to 12 months up to a maximum total of thirty-six (36) continuous months. The plan is suitable for individuals, families, and groups of five or more travelers with the best comprehensive benefits and extended concierge services. The plan can be purchased from a choice of a wide range of plan maximum limits and deductible options, and suited for discerning USA visitor or international traveler needing the best plan and at an affordable cost.
The Patriot Platinum Insurance plan offers extended benefits and top-of-line services to meet the needs of the discerning visitors or travelers. Get your health questions answered by board-certified physicians, licensed psychologists, pharmacist, dentists, dietitians and trainers with the Platinum plan. With access to emergency medical services and health treatment, you can enjoy the stay outside home country knowing that their health is protected under this plan for sickness/injury. Review plan benefit information, policy options, coverage details and quote, buy and purchase policy instantly online.
Patriot Platinum Plan Details
Patriot Platinum policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country.
| Patriot Platinum Insurance | Plan name is Patriot Platinum Travel Medical Insurance, Patriot Platinum America if visiting the U.S., or Patriot Platinum International if traveling outside America. |
| Patriot Platinum America Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Patriot Platinum Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Patriot Platinum Insurance Brochure |
| Renew Coverage Online | Renew Patriot Insurance Online, extend coverage dates from 5 days to a total duration of 36 months (3 years) Keeps coverage active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Non-US citizen visiting USA for business or pleasure (Patriot Platinum America), or Foreign national or US citizen traveling outside home country (Patriot Platinum International). Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy, based upon primary residency outside the US. |
| Coverage Type Selection | Patriot Platinum Insurance product selection: Worldwide, Including USA: Patriot Platinum America is for non-U.S. citizens who are visitors to USA or traveling outside home country. Worldwide, Excluding USA: Patriot Platinum International is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America. |
| Area of Coverage | Coverage area is outside home country of primary residency. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum 12 months. Plan is renewable up to a maximum total duration of thirty-six (36) continuous months. |
| Maximum Medical Benefit | Age 15 days to 69 years: Maximum coverage options include: $1 Million, $5 Million, and $8 Million Ages 70 to 79 years: Maximum coverage limited: $100,000 Age 80 years or older: Maximum coverage limited: $20,000 Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits. |
| Deductible | Options are $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per certificate period. Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage. After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Emergency Room Deductible | An additional deductible of $250 will be applied for each Emergency Room (ER) visit for treatment of an illness which does not result in a direct Hospital admission. Note: This does not apply for injury with/without a direct Hospital admission. |
| Coinsurance | For treatment received within USA & Canada: Inside the PPO Network, plan pays 100% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit. Outside of the PPO Network, plan pays 80% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit. For treatment received outside the U.S. & Canada: For the certificate period, there is no co-insurance and plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Note: Coinsurance is per person per 12 month period of coverage. After the first 12 months of continuous coverage, a new coinsurance maximum will apply for each 12 month period thereafter. No more than 3 coinsurance maximums per insured member must be satisfied within the maximum 36 coverage period. Search the PPO network for preferred providers and save on coinsurance costs. |
| Preferred Provider PPO Network | Search for doctors/hospitals within the Patriot Insurance Provider PPO Network. Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network. Access care at any doctor or hospital, even outside the PPO network. |
| Inpatient & Outpatient Benefits (Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges) | |
| Inpatient Hospital Room & Board Charges | Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Emergency Room, Intensive Care Unit (ICU) & Surgical Treatment Pre-admission test before hospital admission Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Diagnostic procedures, nursing services, prescription medication. Home Nursing Care and durable medical equipment costs. Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Outpatient Medical Expenses | Charges for outpatient surgical treatment, use of outpatient surgical facility Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Other Treatment & Services | Local Ambulance & Medical Transport Mental & Nervous Disorder, & Substance Abuse Orthopedic treatment Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Hospital Room and Board | Average semi-private room rate up to the maximum limit, including nursing services Note: Hospital Indemnity pays for incidental hospital charges |
| Intensive Care Unit | Up to the maximum limit, Usual, Reasonable, and Customary (URC) charges apply. |
| Local Ambulance Expense | Usual, Reasonable and Customary (URC) up to plan maximum limit. |
| Supplemental Accident Benefit | $300 per covered accident only. |
| Eligible Medical Expenses | Up to the maximum limit Note: Usual, reasonable and customary (URC) charges, when covered illness or injury results in hospitalization as inpatient. |
| Sudden and Unexpected Recurrence of a Pre-existing Condition | For Age below 65 years: Up to $50,000 lifetime maximum. For Age above 65 years: Up to $2,500 lifetime maximum. Above amounts for medical expenses for treatment of Acute Onset of Pre-existing Condition, and Up to 25,000 per coverage period for Emergency Medical Evacuation Note: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1. spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2. after the Effective Date; and 3. prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. Only “Acute Onset of Pre-existing conditions” is covered, up to the specified limit by age, if the condition occurs during your coverage period. |
| Emergency Room (ER) Services | Up to the maximum limit for accident/injury or illness with inpatient admission. Note: For treatment inside the U.S., additional $250 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury. |
| Evacuation Benefits (Eligible expenses NOT subject to deductible or coinsurance) | |
| Accidental Death & Dismemberment (AD&D) | Principal sum for accidental death: $50,000 The insured members death must occur within 90 days of the accident. For Dismemberment (Loss of limb or sight) please see the schedule in AD&D benefit section in the policy certificate. Note: Not subject to deductible or coinsurance. Excludes loss due to common carrier accident which is separately covered. |
| Common Carrier Accidental Death | $100,000 per insured adult member $25,000 per insured child. Note: Not subject to deductible or coinsurance. A maximum of $250,000 per insured family involved in the same accident. |
| Small Pet Common Air Carrier Accidental Death Benefit | $500 for a pet cat or dog up to 30 pounds, traveling with its owner. |
| Emergency Medical Evacuation | Age below 65 years: Up to the policy maximum per insured member provided. Age below 65 years: This benefit is not available. Note: This benefit amount is in addition to the medical maximum. For acute onset of pre-existing condition, lower amount as specified. This benefit must be approved in advance and coordinated by the plan administrator. |
| Remote Transportation | Up to $5,000 per insured person per coverage period. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Return of Minor Children | Up to $100,000 per certificate period. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Return or Repatriation of Mortal Remains | Up to $100,000 Maximum Limit per lifetime for return of the Insured Person’s Mortal Remains or ashes to Country of Residence, or Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Emergency Reunion | Up to $100,000 maximum limit per lifetime. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Terrorism | $100,000 maximum lifetime limit, eligible medical expenses only. Note: This benefit is not subject to deductible or coinsurance. |
| Political Evacuation And Repatriation | $100,000 lifetime maximum. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Incidental Trip Coverage | Up to a cumulative total of 14 days during the coverage period. Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country. This benefit must be approved in advance and coordinated by the plan administrator. |
| Trip Interruption | Up to US$10,000 per insured person per coverage period. |
| End-of-Trip Home Country Coverage | Maximum 1 month for every 6 months of continuous coverage. Subject to a maximum 2 months. |
| Lost Baggage or Theft | Up to $500 per insured person per coverage period. Applies to damage, loss of, or theft of checked luggage or personal items, and for the replacement cost of travel documents. Maximum of $250 per certificate period. |
| Emergency Dental | $250 maximum limit for necessary treatment of sudden unexpected pain to sound natural teeth. Usual, Reasonable, & Customary for necessary emergency dental treatment due to an accident. |
| Natural Disaster | Replacement accommodations provided with a maximum $250/day for 5 days per insured person. |
| Hospital Indemnity | Daily $250 per overnight of inpatient hospitalization charges. Up to a maximum limit of 10 overnight stays covered in the coverage period. |
| Identity Theft | $500 lifetime maximum limit |
| Felonious Assault | $10,000 lifetime maximum limit and separate from any medical benefit. |
| Optional Riders – Can be optionally purchased to enhance policy benefits. | |
| Adventure Sports Rider | Age 0 to 49 years: Lifetime Maximum of $50,000. Age 50 to 59 years: Lifetime Maximum of $30,000. Age 60 to 64 years: Lifetime Maximum of $15,000. Age 65+ years: Not available. Note: Only certain activities are covered to the amounts listed. For sports engaged solely for leisure, recreation, or entertainment purposes. |
| Evacuation Plus Rider | Non life-threatening medical evacuation: Up to a maximum of $50,000. Natural disaster evacuation: Up to a maximum of $10,000. Note: This benefit is not available to insureds above age 65. Provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. Also offers coverage for evacuations as a result of a natural disaster. Minimum purchase of 3 months coverage required regardless of the minimum number of days being traveled. |
| Personal Liability Rider | For injury to a third party, there is a $2,000 limit after a $100 deductible. For damage to third person property, there is a $500 limit after $100 deductible. Note: Provides limited protection where insured is responsible for injury or personal property damage to a third party during coverage period. |
| Patriot Platinum Insurance – Miscellaneous Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | 50% reduction of Eligible Medical Expenses if Pre-certification provisions are not met. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the IMG Claims Form in the Client Dashboard to submit proof of claims for review & reimbursement. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered. |
| Cancellation & Refund | If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, 1. A cancellation fee of US$50.00 will be charged; and 2. Only whole or full month premiums will be considered as refundable. Note: A written (email) request is required. |
| Client Dashboard | Easy access to the IMG Client Dashboard from anywhere in the world to manage your account. |
| Worldwide Assistance | Access quality service from International Medical Group 24/7 and 365 days of the year. |
| Plan Administrator | International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA. |
| Insurance Underwriter | Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation. |
| Ratings of Insurance Underwriter | SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s. |
| Application Form | Print and complete paper application, mail/fax the Patriot Platinum Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Patriot Platinum Insurance Quote |
| Disclaimer | The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details. The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan. All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges. Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period. This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA). To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator. |
Patriot Platinum Insurance Plan Brochure
Patriot Platinum Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.
- Plan Brochure: Patriot Platinum Insurance Review of the Patriot Platinum Insurance Brochure for policy information, coverage features and plan summary of benefits.
Patriot Platinum Insurance Certificate
Patriot Platinum Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.
- Certificate of Insurance: Review all the policy details available in the Patriot Platinum America Insurance Certificate which is the detailed sample document of the master policy document.
Patriot Platinum Insurance PPO Network
Patriot Platinum plan has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.
- Provider Network: Search for providers within the PPO network to save on co-insurance charges using Patriot Platinum Insurance Provider Network.
Patriot Platinum Insurance - Quote/Buy Online or Apply
Quote/Buy Patriot Platinum instantly online or print/complete the paper application along with the payment.
- Quote/Buy Online: Get instant quote & Buy Patriot Platinum Insurance coverage online.
- Application Form: Complete, mail/fax the Patriot Platinum Insurance Paper Application along with payment
Patriot Platinum Insurance - Renew/Extend Coverage
Patriot Platinum Insurance Review of coverage which can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the Patriot Platinum America plan coverage dates using Patriot Platinum Insurance Renew Online.
Patriot Platinum Insurance Client Dashboard
Patriot Platinum America plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.
- Client Dashboard: Access the Patriot Platinum America Plan on the IMG Client Resources dashboard for existing policyholders.
- Claim Form: Download and submit the Patriot Platinum America Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.
Patriot Platinum Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium. A a written request (email is fine) is required.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is fully refunded.
- Active Policy: After the effective date of coverage, and if there are outstanding claims, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, if the policy has not been used and there are no claims outstanding, whole un-used month refunds are considered for a partial refund, and a $50 cancellation fee also applies.
Patriot Platinum Insurance FAQ
Below are some of the questions frequently asked with the Patriot Platinum insurance plan gathered over many years:
Who is eligible to purchase the Patriot Platinum policy?
Foreign nationals visiting the USA for short term up one year
The Patriot Platinum plan is available for foreign nationals who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of any age visiting the United States can purchase the policy. The plan is also available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
When should I purchase the Patriot Platinum policy?
After your travel dates are confirmed, buy Patriot Platinum plan
The best time to purchase the Patriot Platinum policy is right after you book your airline tickets. You can also buy coverage before you leave on your trip to America. The policy can be purchased even the day before your departure to the United States. If you have forgotton to purchase coverage, you can still buy coverage after your arrival to the USA, by entering the start date of coverage as early as next day for the desired effective date.
What are the difference between Patriot Platinum plan choices offered?
Medical maximum benefit is different for plan choices selected
Medical maximum benefit is the only differrence for the differnt plan choices: A, B, C, D & E. The different plan choices allow you to choose which Medical maximum benefit limit you would like, higher the maximimum, higher the premium cost. All of the plan choices have the same standard benefits with the Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc. The medical maximum limit is amount of coverage the plan offers for the different plan choices, which starts at $50,000 USD to $1 Million. This amount is the maximum medical coverage that is offered and any amounts for bills that exceed this is not covered.
What is the beneficiary and who should I name as the beneficiary?
Beneficiary can be anyone, typically other than the insured persons
The Patriot Platinum plan offers Accident Death & Dismemberment (AD&D) benefit paid out in the even of loss of life or loss of limb (arm or leg) that will be paid to beneficiary named to receive this benefit. The beneficiary can be any designated person chosen by the policy holder. It is a good idea to not name the insured persons in the policy as the beneficiary. If you are purchasing this policy for your relatives or parents visiting USA, you can name yourself as the beneficiary.
Do I have to complete and pay online, or can I mail a paper application?
The online application to purchase the Patriot Platinum plan is easy and fast
The easiest and fastest way to purchase the Patriot Platinum plan is to complete the secure Patriot Platinum application is online by clicking the Quote & Buy button available on the top of this page. Alternatively, you can download, print, complete, and mail/post the paper application with the requisite premium payment (pay by check or a credit card) to the address given on the application form. Please follow the provided instructions in calculating the premiums for the coverage options selected and the postal mailing address to send the application with payment.
Can I buy the Patriot Platinum policy now and renew coverage later?
Patriot Platinum is NOT renewable or extendable
Patriot Platinum does NOT allow coverage to be renewed or extended. You can plan your purchase coverage period between 15 days and 365 days (1 year). However, if additional coverage duration is needed after completing the existing policy term, the same policy can be purchased by completing a new online/paper application.
What is the cancellation and refund rules for the Patriot Platinum plan?
Fully refundable prior to start or effective date
All cancellation requests must come as a written request (email) to the plan administrator. To be eligible for a refund, requests received prior to the effective date of coverage are only considered for a full refund. After the effective date of coverage, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, partial refunds are not honored. A $25 processing fee applies.
Do you need passport number information to purchase the Patriot Platinum policy?
Passport number for primary insured is optional
If you have the passport number of the primary insured person, then you can enter the same. However, this is an optional field and only the the primary insured person’s passport number is entered, and not required for other members of the family.
What are the common terms used in the Patriot Platinum plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.