| Insurance Provider | IMG (International Medical Group) |
| Medical Provider Network | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. |
| Plan Type | Patriot Platinum America is for non-US residents traveling outside their residence country and their destinations include the US. Patriot Platinum International is for anyone traveling outside their residence country and their destinations excludes the US. |
| Maximum Benefit | $2,000,000, $5,000,000, $8,000,000 |
| Deductible (Insured pays before insurance pays) | $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000. Teladoc - Telephone based doctor visits free - No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
| Trip Benefits | Trip Interruption up to $10,000 Lost Baggage and Personal Effects $500, Optional Cell Phone Protection, Optional iTravelInsured Essential trip expense coverage |
| Illness or Injury Coinsurance | Outside the US there is no coinsurance. In the US - No Coinsurance in network In the US - Out of network coinsurance is 10% to $5,000 then 0%. |
| Hospital Room & Board | Up to the Max for average semi-private room rate |
| Intensive Care | Up to the Maximum |
| Mental Health and Substance Abuse | N/A |
| Emergency Room | URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization |
| Prescription Drugs | $250,000 |
| Urgent Care Clinic | $25 copay, deductible waived. Not applicable when $0 deductible selected. |
| Walk in Clinic | $15 copay, deductible waived. Not applicable when $0 deductible selected. |
| Surgery Care | Up to the Maximum |
| Doctor Visit | Up to the Maximum |
| Xray and Lab | Up to the Maximum |
| Ambulance | Up to Maximum for injury resulting in needed emergency care, or illness resulting in hospital admission. Otherwise not covered. |
| Hospital Indemnity | $250 per overnight inpatient stay, 10 maximum |
| Accident Dental | $300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist. |
| Accidental Death & Loss of Limb | $50,000 principal sum |
| Bedside Visit | $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible. |
| Medical Evacuation | Up to the Maximum |
| Repatriation of Remains | Up to the Maximum |
| Pre-existing conditions | Acute Onset of pre-existing conditions coverage for Patriot Platinum. Non-US citizen up to age 69 - $1,000,000. US citizen up to age 64 with primary health coverage - $1,000,000. US citizen up to age 64 without primary health coverage - $20,000. US citizen age 65 up to age 69 - $2,500. Teladoc - Telephone based doctor visits free - No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
| Group Pricing | 5 or more primary insured have about 5% discount |
| Benefit Details | https://purchase.imglobal.com/PlanDescription/PATRIOT_PLATINUM/BenefitsContent?imgac=80000699 |
| Sample Contract | http://producer.imglobal.com/producerdocuments.ashx?documentid=3851 |
MyIMG Account can help you with:
Submit a Claim, and Lookup Claim Status
Search for Provider in PPO
Change your Email Address or Phone Number
Patriot Platinum Travel Medical Insurance for anyone traveling out of their country of residence.
Patriot Platinum Travel Medical Insurance is designed for anyone traveling out of their country of residence, regardless of visa status. Cost starts at about $1/day. Purchase 5 days - 1 year, and renewable up to 3 years. After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.
Patriot Platinum Travel Medical Insurance includes Patriot Platinum America for travelers to destinations including the US and Patriot Platinum International for travelers to non-US destinations.
Patriot Platinum Travel Medical Insurance provides premium
protection for the international traveler who wants to
obtain the maximum coverage available. Benefit levels up to
$8,000,000 are available. Coverage includes acute onset of
pre-existing medical conditions.
Patriot Platinum covers COVID-19 same as any illness.