Patriot Platinum America is a comprehensive travel medical insurance plan designed for individuals and families traveling to the U.S. or anywhere worldwide outside their home country excluding their country of residence.

The plan is suitable for U.S. citizens traveling outside the U.S. and non-U.S. citizens traveling outside their home country, and it is ideal for travelers seeking the highest level of coverage and service in a short-term travel medical plan. The plan can be extended for a minimum of 5 days for up to 365 days period until reaching a maximum of 36 continuous months.

The plan is available for a minimum of 5 days up to 12 months. The minimum age of coverage is 14 days old

The plan provides first-class protection and offers high policy maximums, ranging from $2,000,000 to $8,000,000, and deductible options from $0 to $25,000.

While in the U.S. After the deductible is satisfied, within the PPO network the plan pays 100% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan pays 90% of eligible medical expenses Up to $5,000, then 100%

The plan also offers coverage for acute onset of pre-existing conditions for individuals below 70 years of age and It covers medical expenses, emergency medical evacuation, Non-emergency medical evacuation and other travel benefits, including COVID-19 coverage. Additionally, it participates in the United Healthcare PPO network, providing access to a wide network of physicians, hospitals, and other providers across the USA.

Patriot Platinum is underwritten by SiriusPoint Specialty Insurance Corporation, with an A- "Excellent" rating by A.M. Best.

Key Highlights:

  • Offers coverage For Acute Onset of Pre-Existing Conditions
  • Overall Maximum Limit Up to $8,000,000
  • Coinsurance (In-Network) 100% Up to the Maximum Limit
  • Coinsurance (Out-of-Network) 90% Up to $5,000, then 100%
  • Emergency Medical Evacuation Up to the Maximum Limit
  • Non-Emergency Medical Evacuation Up to $50,000 Maximum Limit
  • Emergency Reunion Up to $100,000
  • COVID-19 coverage included
  • Coverage for Accidental Death & Dismemberment, Common Carrier Accidental Death, Incidental Trip, Personal Liability. Return Travel
  • Travel Intelligence
  • Telehealth
  • Evacuation Plus
Key Highlights

Best Suitable Plan For

Parents visiting USA
International Students
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

International Medical Group (IMG)

Plan Underwriter

SiriusPoint Speciality Insurance Corporation

Plan Rating

A.M. Best Rating: A

Plan Category

Travel Medical Insurance

Plan Type

Comprehensive Coverage

PPO Network

United Healthcare PPO Network

Plan Eligibility


For non U.S residents traveling internationally, including the USA
Eligible for Student Visa holders who do not have specific health insurance requirements to meet

Age for Coverage

14 days to 99 years

Coverage Duration

Minimum of 5 days to a maximum of 365 days


Yes, up to 365 days

Purchase Restrictions
Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)

Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)

Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)

Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states
Policy Maximum, Deductibles & Medical Coverage Limits

Period of Coverage

5 days up to 12 months

Period of Coverage limit

Through age 64: $2,000,000, $5,000,000 or $8,000,000
• Ages 65 to 69: $1,000,000
• Ages 70 to 79: $100,000
• Ages 80 and older: $20,000

Deductible Options

$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per
Insured Person, as indicated on the Declaration

Pre-Existing Conditions

Acute Onset of Pre-existing Conditions

United States citizens:
• Age 64 and under without a Primary Health Plan:
  Maximum Limit: $20,000
• Age 64 and under with a Primary Health Plan:
  Maximum Limit: $1,000,000
• Age 65 through age 69:
  Maximum Limit: $2,500

Non-United States citizens:
• Age 69 and under:
  Maximum Limit: $1,000,000

Emergency Coverage

Emergency Local Ambulance

In Network 100%, Out-of-Network 90%
Subject to Deductible and Coinsurance
• Injury
• Illness resulting in an Inpatient Hospital

Hospital Emergency Room:

In-Network: 100%
Out-of-Network: 90%
Separate deductible of $250 applies to ER visit for illness that does not result in direct inpatient hospital admission


Urgent Care

$25 co-pay applies for Urgent Care
Co-pay waived if $0 deductible is chosen
In-Network: 100%
Out-of-Network: 90%

Surgical Treatment

In-Network: 100%
Out-of-Network: The plan pays 90%

Prescription Drugs / Medicines

Up to policy maximum

Lab & X-rays

In-Network: 100%
Out-of-Network: 90%

Physical Therapy

In-Network: 100%
Out-of-Network: 90%


Hospital Room

Average semi-private room rate up to the maximum limit. Includes nursing service

Hospital Intensive Care Unit

In-Network: 100%
Out-of-Network: 90%

Dental Coverage

Unexpected pain or Treatment due to an Accident

$300 maximum limit. Subject to deductible and coinsurance

Travel Coverage

Emergency Medical Evacuation

In-Network 100%, Out-of-Network 100%. covered up to the period of coverage limit

Return of Remains

Coverage up to a maximum of $50,000 for return of mortal remains to the insured’s home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death

Emergency Reunion

Maximum Limit $100,000

Return of minor Child(ren)

Maximum Limit $100,000

Return Travel

Up to $10,000

Loss of checked Baggage

$50 per item up to $500 maximum limit

Additional Coverage Options


Not covered

Terrorism Coverage

Maximum Limit $50,000

Patriot Platinum America FAQs

The Patriot Platinum Plan is available for any non-US resident, visiting the USA or anywhere outside their home country, for a short period of time.

You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan.

You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online application, you will receive confirmation in your e-mail. If you select paper mail/snail mail then you will receive the ID card in the mail within 5-10 business days.

Yes, if you buy the plan initially for more than 30 days, you can extended the policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge.

Yes, you can cancel and get a refund for the Patriot America Plan, if you need to go back earlier than plan. The following rules apply:

1) Submit cancellation request through the Customer Portal.
2) If you cancel the policy before the start date, you are eligible for a full refund.
3) If you cancel after the policy start date, you can get a refund only if no claims have been filed.
4) $50 cancellation fee applies.

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