Patriot Platinum International

Patriot Platinum International policy is designed for anyone traveling outside the United States of America, suitable for international travelers and tourists or business travelers traveling to any foreign country.

• Eligibility: Anyone traveling outside their home country excluding the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children.
• Duration: Minimum period of 5 days initial purchase, to maximum coverage duration of 1 year, renewable up to 3 years.
• Maximum Amount: Plan offers maximum coverage choices for visitors ages below 70 years: $2,000,000; $5,000,000; or $8,000,000; amounts are for the life of the plan or coverage duration. For travels 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 outside the United States: After you pay the selected deductible, the plan pays 100% 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: 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 International is administered by International Medical Group Inc (IMG).
• Underwriter: Patriot Platinum International is underwritten by Sirius Specialty Insurance Corporation, a top rated global specialty underwriter.

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

Patriot Platinum International 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 Insurance Certificate which is the detailed sample document of the master policy document.

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.

Quote/Buy Patriot Platinum International 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 International Insurance Review of coverage which can be extended or renewed to a maximum period of 3 years. A $5 renewal additional fee apples for each renewal application before the expiration date of the policy.

• Renew Policy: Extend the Patriot Platinum International plan coverage dates using Patriot Platinum Insurance Renew Online.

Patriot Platinum International 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 International Plan on the IMG Client Resources dashboard for existing policyholders.
• Claim Form: Download and submit the Patriot Platinum International 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 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 also a $50 cancellation fee applies.