Patriot Platinum America

Quote & Buy Benefits Eligibility

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Why travelers trust Patriot Platinum America

Providing first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. You can choose from an extensive range of deductibles and plan maximums, you have exclusive access to the Global Concierge and Assistance Services, and you have access to more than 16,000 providers when seeking treatment outside the U.S. using our International Provider Access.

International medical insurance for non-U.S. citizens traveling outside their home country.

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

Patriot Platinum America^SM Highlights

Short-term travel medical coverage
Coverage for individuals and dependents
Maximum limits from $1,000,000 to $8,000,000
Deductible options from $0 to $25,000
Available in monthly and daily rates
Renewable up to 36 months if one month is initially purchased
Access to Global Concierge & Assistance Services - extended services handled by a dedicated service team
Access to board-certified physicians, licensed psychologists, pharmacist, dentists, dieticians and trainers to assist you with any routine health related questions you have
Freedom to seek treatment with hospital or doctor of your choice
Universal Rx pharmacy discount savings
12 month benefit period
24 hour secure access from anywhere in the world to manage your account at any time

Patriot Platinum America^SM 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 Services^SM, and you have access to more than 17,000 providers through our International Provider Access^SM (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 America 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 Services^SM	Access to a dedicated service team for assistance services
MyIMG^SM	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