The Patriot Platinum International plan is a comprehensive travel medical insurance plan. Designed for individuals and families traveling outside their home country. The area of coverage is worldwide excluding the insured person’s country of residence and the United States. It is suitable for U.S. citizens traveling outside the U.S. and non-U.S. citizens traveling outside their home country. It is ideal for travelers seeking the highest level of coverage and service in a short-term travel medical plan. The plan is available for a minimum of 5 days up to 12 months. The minimum age for 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. After the deductible is satisfied, the plan pays 100% of eligible medical expenses up to the policy maximum. The plan also offers coverage for Acute Onset of Pre-Existing Conditions for individuals below 70 years of age. Additionally, it includes benefits such as medical expenses, emergency room and intensive care coverage, emergency medical evacuation, and repatriation of remains and other travel benefits, including COVID-19 coverage. Patriot Platinum International 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
  • Maximum Limits from $2,000,000 to $8,000,000
  • Coinsurance 100% up to the maximum limit
  • Incidental Emergency in the U.S. up to 14 days
  • Period of Coverage 5 days to 12 Months
  • Emergency Medical Evacuation Coverage
  • Covid-19 covered same as any other illness
  • Travel Intelligence
  • Telehealth
  • Evacuation Plus
  • Covid-19 covered like any other illness
  • Additional Coverage Options of Adventure Sports Rider, AD&D, Device Protection Rider, Trip Cancellation & Interruption Coverage
Please review Patriot Platinum International policy documents for complete coverage and exclusions.
Key Highlights

Best Suitable Plan For

US Citizens traveling outside home country
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 U.S & non U.S residents traveling internationally, excluding the USA.
For ages 14 days to 99 years.
Coverage for minimum 5 days to maximum up to 365 days.
Extendable for up to 365 days.

Policy Maximum, Deductibles & Medical Coverage Limits

Period of Coverage

5 days up to 12 months

Benefit Period

6 months

Period of Coverage limit

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


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


Plan pays 100%.
Insured pays 0%

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 Medical Evacuation

Maximum Limit: $25,000.

Emergency Reunion

Maximum Limit: $100,000.

Local Burial / Cremation

Maximum Limit: $5,000.

In-Patient/Out-Patient Services

Physician Visits / Services

Coinsurance : 100%.

Urgent Care Clinic

Coinsurance : 100%.

Outpatient Surgical / Hospital Facility

Coinsurance : 100%.


Coinsurance : 100%.

Hospital Emergency Room

Coinsurance : 100%.


Coinsurance : 100%.

Dental Coverage

Unexpected Pain or Treatment due to an Accident

Up to $300.

Travel Coverage

Return of Mortal Remains

Maximum Limit: Up to the Period of Coverage limit.

Additional Coverage Options

Accidental Death & Dismemberment

Maximum Limit: $50,000.

Patriot Platinum International FAQs

The Patriot Platinum International plan is available for US and non-US citizens and residents, traveling internationally anywhere outside their home country, excluding the USA.

You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses.

Yes, you can extend 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.

The Patriot Platinum plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan-specific documents for any limits or exclusions.

The Patriot Platinum plan does not offer any coverage for quarantine.

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