Patriot America Platinum

Patriot America 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.

• Eligibility: Visitors to USA and any traveling outside their home country to the United States. All applicants must maintain permanent residency outside of the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children, or even if children traveling alone.
• Duration: Minimum period of 5 days initial purchase, to maximum coverage duration of 1 year (365 days). Renewable for up to 3 years continuous coverage.
• Maximum Amount: Plan offers maximum coverage choices for visitors ages below 70 years: 2 million, 5 million and 8 million USD; amounts are for the life of the plan or coverage duration. For visitors age 70 – 79 years, maximum coverage choices up to $100,000; for travelers 80 years and older, coverage maximum is US$20,000.
• Deductible: Choice of USD $0, $50, $100, $250, $500, $1000, $2500, $5,000, or $25,000 deductible (accumulated amount) per person per certificate plan period.
• Co-Insurance: Traveling to the United States: After you pay the selected deductible, the plan pays 90% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
• Pre-Existing Condition: Acute-onset of non-excluded pre-existing conditions are covered up to age 70 years. Exclusion: 24 Months prior to the start date of coverage.
• Emergency Medical Evacuation and Repatriation: $500,000
• Return of Mortal Remains: $50,000
• Emergency Medical Reunion: $50,000
• Return of Minor Child: $50,000
• Interruption of Trip: $5,000
• Loss of Baggage: $50 per article; up to a maximum of $250
• Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $100
• Accidental Death and Dismemberment: $25,000 (Enhanced Benefit Amounts available) with paralysis and
  coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
• Political and Natural Disaster Evacuation: $50,000
• Travel Assistance: Travel assistance services are also available.
• Optional Plan Enhancements: Athletic & Hazardous Activity Benefit available for team and other dangerous sport activity as specified.
• Other Coverage Benefits: Covers Hospital Room and Board charges, 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.
• Administrator: Patriot Platinum is administered by International Medical Group Inc. (IMG)
• Underwriter: Patriot Platinum is underwritten by SiriusPoint Specialty Insurance Corporation, a top rated global specialty underwriter.

Patriot America 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 America Insurance Review of the Patriot Platinum America Insurance Brochure for policy information, coverage features and plan summary of benefits.

Patriot America 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 America 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 IMG Provider PPO Network.

Quote/Buy Patriot America 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 by completing the application form and making the requisite premium payment to secure coverage, ID cards and proof of coverage emailed upon purchase.

Patriot America Platinum Insurance Review of coverage which can be extended or renewed to a maximum period of 365 days, and then further to 3 years of continuous coverage. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the Patriot Platinum America plan coverage dates using Renew Patriot Platinum Insurance online.

Patriot America Platinum 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 America Platinum plan on the IMG Client Resources dashboard for existing policyholders.
• Claim Form: Download and submit the Patriot America Platinum plan claim form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Below are the rules pertaining to cancellation of the Patriot America Platinum 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.