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Why travelers trust Patriot Platinum International

Patriot Platinum International

You expect first-rate protection when you travel, and Patriot Platinum International® offers a complete package of international benefits available 24 hours a day. Providing up to $8 million medical coverage for U.S. citizens traveling outside the United States including additional enhanced benefits and services to meet your global needs.

Patriot Platinum InternationalSM provides coverage for people traveling outside their home country whose destination excludes the United States or its territories

Individual & family – First-class short-term coverage available from five days up to three years.


Patriot Platinum InternationalSM includes coverage for:

  • Hospital Room and Board — $1,000,000 / $5,000,000 / or $8,000,000
  • Emergency Room and Intensive Care
  • Medical Expenses and Outpatient Medical
  • Emergency Medical Evacuation and Emergency Reunion
  • Political Evacuation 
  • Local Ambulance Services
  • Accidental Death & Dismemberment
  • Return of Mortal Remains
  • Sudden Recurrence of Pre-Existing Condition covered up to $50,000
  • Preferred Provider Organization (PPO) reduces out-of-pocket expense
Patriot Platinum InternationalSM special features:     
  • Your choice of 9 individual deductibles: $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000
  • Family deductible maximum - three times the individual deductible
  • Terrorism - up to policy maximum
  • Sports and Leisure Activities 
  • Incidental Home Country coverage
  • End of Trip Home Country Coverage
  • Trip Interruption 
  • Common Carrier Accidental Death 
  • No coinsurance outside the US and Canada
  • MyIMG tool allows you to manage your account online 24 hours a day 

Patriot Platinum InternationalSM optional riders 

  • Adventure Sports Rider
  • Citizenship Return Rider
  • Personal Liability Rider
  • Enhanced AD&D Rider
  • Evacuation Plus Rider

Additionally, the plans offer enhanced benefits and services to meet your global travel needs.  You can choose from an extensive range of deductibles and Maximum Limits, you have exclusive access to our Global Concierge and Assistance ServicesSM, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S.  You can also reduce your out-of-pocket costs  when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization. 


Patriot Platinum International plan benefits

Plan Information

 

Maximum Limits

$1,000,000, $5,000,000, $8,000,000

Individual Deductible

Your choice of $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000

Family Deductible

Three times the individual deductible

Coinsurance

As described below

Benefit Period

12 months

Global Concierge & Assistance ServicesSM

Access to a dedicated service team for assistance services

MyIMGSM

24 hour secure access from anywhere in the world to manage your account at anytime

eDocAmerica

Access to board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians and fitness trainers to assist with any routine health related questions

World-class Medical Benefits

Premium coverage available for in-patient and out-patient medical expenses

International Emergency Care

A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more

 

Medical Benefits

USUAL, REASONABLE AND CUSTOMARY CHARGES, SUBJECT TO DEDUCTIBLE AND COINSURANCE WHEN APPLICABLE

Hospital Room and Board

Up to the Maximum Limit

Intensive Care

Up to the Maximum Limit

Medical Expenses

Up to the Maximum Limit

Out-patient Medical Expenses

Up to the Maximum Limit

Local Ambulance

Up to the Maximum Limit

Emergency Room Accident

Up to the Maximum Limit

Emergency Room Illness with In-patient Admission

Up to the Maximum Limit

Emergency Room Illness without In-patient Admission

Up to the Maximum Limit with additional $250 deductible

Dental

 

Injury due to an accident: Each Patriot Platinum plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit. 

Sudden dental emergency: Each plan will pay up to $250 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Hospital Daily Indemnity

Up to $250

Supplemental Accident

Up to $300

 

International Emergency Care

(WHEN COORDINATED THROUGH THE PLAN ADMINISTRATOR)

Emergency Evacuation

Up to the Maximum Limit

Emergency Reunion

Up to $100,000

Return of Mortal Remains
Cremation/Burial

Up to $100,000 for Return of Mortal Remains, or $5,000 for Cremation/Burial

Return of Minor Children

Up to $100,000

Political Evacuation

Up to $100,000

Natural Disaster

$250 per day for five days

Remote Transportation

$5,000 per certificate period
$20,000 lifetime maximum

Identity Theft Assistance

Up to $500

Lost / Theft
(luggage, valuables, personal papers)

Up to $500

Felonious Assault

Up to $10,000

 

Additional Benefits

Terrorism

Up to the Maximum Limit

Sports & Leisure Activities

Up to the Maximum Limit for basic sports

Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only)

 

(U.S. citizens only) For those up to age 65 with a primary health plan, Patriot Platinum International will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on the Exclusions page) up to the plan maximum. For those without a primary health plan, Patriot Platinum International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with or without a primary health plan, Patriot Platinum International will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Patriot Platinum plan, and the Pre-existing Condition must be covered under the primary health plan

Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for non-U.S. citizens only)

 

(Non-U.S. citizens only) For those under age 65, Patriot Platinum America will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those age 65 and older, Patriot Platinum America will pay up to $2,500 lifetime maximum.

Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation

 

In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

Incidental Home Country Coverage

Up to a cumulative two weeks

End of Trip Home Country Coverage

One month for every four months of travel coverage, up to a maximum of three months

Trip Interruption

Up to $10,000

Common Carrier Accidental Death

$100,000 per adult, $25,000 per child, maximum of $250,000 per family

Accidental Death & Dismemberment

$50,000 principle sum

Small Pet Common Air Carrier Accidental Death

Up to $500

 

Eligibility information about this plan

Area of Coverage: Worldwide excluding the United States, U.S. territories, or the insured persons Home Country. 

Not available to residents of European Union countries
Ages: All Ages
Max Length of Coverage: 12 Months
Renewable up to 12 additional months

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