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Patriot America Plus vs. Patriot America Platinum: A Detailed Comparison 

Patriot America Plus vs. Patriot America Platinum A Detailed Comparison

When planning a trip to the US, it is crucial to prioritize your health and financial well-being by purchasing a suitable health insurance plan. Traveling to a foreign country without proper medical coverage can leave you vulnerable to significant financial burdens in the event of illness or injury. 

To mitigate these risks, it is recommended to invest in a comprehensive travel medical insurance plan. Popular options for visitors coming to the US include the Patriot travel series- Patriot America Plus and Patriot America Platinum. These plans offer extensive coverage and benefits to ensure you have the necessary protection throughout your stay.  

By selecting the right insurance plan, you can enjoy your trip with confidence. Here is a detailed comparison for you between the two plans. 

Patriot America Plus 

Patriot America Plus plan is designed for non-US travelers who need temporary medical coverage during their stay in the US. The plan provides coverage in the US, and the schedule of benefits include medical expenses, hospitalizations, prescription drugs, doctor’s visit, urgent care, acute onset of a pre-existing condition, etc. The policy is designed for parents, family, or friends visiting the US from their home country. 

The plan highlights: 

  • The maximum coverage limit is up to $1million. 
  • Deductible choices are between $0 to $2,500. 
  • Coinsurance 100% up to the maximum limit in-network and 80% up to $5,000 and then 100%. 
  • Covers acute onset of a non-chronic pre-existing condition. 
  • Covers travel intelligence, telehealth, and evacuation plus. 
  • COVID-19 is covered as any other illness. 
  • The plan can be extended to 24 continuous months. 
  • $25 copay for urgent care and $15 copay for the walk-in clinic. 
  • Intensive care up to the maximum limit. 
  • The plan is available for individuals 14 days (about 2 weeks) to 99 years. 
  • The plan can be bought for a minimum of  5 days and up to 12 months. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Patriot America Plus Plan Brochure.

Patriot America Platinum 

Patriot America Platinum offers short-term medical coverage to non-US citizens traveling  to the US or outside their country of residence. It covers medical expenses, hospitalization, prescription drugs, emergency dental, medical evacuation, emergency reunion, return of remains, lost baggage, identity theft, trip interruption, etc. It also offers optional coverage to adventure sports and customized coverage for Enhanced AD&D Rider, Evacuation Plus Rider, and Chaperone/Faculty Leader Replacement Rider. 

The plan highlights: 

  • The maximum coverage limit is up to $8 million. 
  • The choice of deductibles is between $0 to $25,000. 
  • The plan can be extended to 36 months (about 3 years). 
  • Coinsurance 100% up to the maximum limit in-network and 90% up to $5,000 and then 100%. 
  • Covers acute onset of non-chronic pre-existing conditions. 
  • Covers travel intelligence, telehealth, and evacuation plus. 
  • COVID-19 is covered as any other illness. 
  • $25 copay for urgent care and $15 copay for the walk-in clinic. 
  • Additional benefits include Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability, and Pet Return. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Patriot America Platinum Plan Brochure.

About the service provider 

For individuals traveling to the US, International Medical Group (IMG) offers the Patriot Travel Series plan, which includes a range of options to meet the specific needs of US visitors. Among these plans, Patriot America Plus and Patriot America Platinum are popular plans. IMG provides comprehensive coverage that is essential for leisure, business, and entertainment purposes during your visit to the US. Whether you are a tourist, student, senior, or adventure enthusiast, these plans offer adequate protection against unexpected illnesses or injuries. Moreover, IMG stands out as an excellent choice for short-term medical insurance, allowing policy renewal for up to 24 to 36 continuous months. 

A detailed comparison of two plans:

Category Patriot America Plus Patriot America Platinum
TypeComprehensive Comprehensive
Benefits Coverage for hospitalization, emergency room, office visits, prescription drugs, accidents, and illnesses up to $1 million.  Coverage for hospitalization, emergency room, office visits, prescription drugs, accidents, and illnesses up to $8 million.
Underwriter Sirius Specialty Insurance Corporation Sirius Specialty Insurance Corporation
PPO United HealthCare PPO network United HealthCare PPO network
Policy maximum Up to $1 million. Up to $8 million.
Policy maximum Up to $1 million. Up to $8 million.
Deductible $0 to $2,500 $0 to $25,000
Coverage days 5 days to 12 months and further renewable up to total of 24 months of continuous coverage 5 days to 12 months and further renewable up to total of 36 months of continuous coverage
Co-insurance Coinsurance 100% up to the maximum limit in-network and 80% up to $5,000 and then 100%. Coinsurance 100% up to the maximum limit in-network and 90% up to $5,000 and then 100%.
Provider International Medical Group (IMG) International Medical Group (IMG)
Brochure ViewView
Plan page View Plan Page View Plan Page
Ratings AM Best Rating: A- AM Best Rating: A-
Plan features
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services.
Ambulance 80% Up to policy maximum for injuries and illnesses resulting in an inpatient hospital admission. Subject to deductible and coinsurance. Up to the maximum limit for injuries and illnesses resulting in an inpatient hospital admission. Subject to deductible and coinsurance.
Intensive care unit Up to the maximum limit.  Up to the maximum limit. 
Pregnancy Not covered Not covered
Other eligible medical expenses 100% in network and 90% out of network up to the maximum limit for an eligible covered medical expense. 100% in network and 90% out of network up to the maximum limit for an eligible covered medical expense.
Pre-existing conditions Covered up to the chosen policy maximum when treatment is obtained within 24 hours for acute onset of nonchronic pre-existing conditions under 70 years.  $25,000 maximum limit for emergency medical evacuation. Covered for non-chronic acute onset of a pre-existing conditions follows: US Citizens 64years & under: $20,000 (without primary health plan) or $1,000,000 (with primary health plan); US Citizen 65y to 69years: $2,500; Non- US Citizens under 69years: $1,000,000 $25,000 maximum limit for emergency medical evacuation.
Emergency medical evacuation Up to the maximum limit if approved in advance and coordinated by the Company. Subject to co-insurance and deductible. Up to the maximum limit of $1 million if approved in advance and coordinated by the Company. Subject to co-insurance and deductible.
AD&D $50,000 principal sum.  (Death must occur within 90 days (about 3 months) of the accident) $50,000 principal sum.  (Death must occur within 90 days (about 3 months) of the accident)
Dental treatment Up to $300 for Emergency Dental (Acute Onset of Pain to sound natural teeth).  Up to policy maximum for a traumatic dental injury Up to $300 for Emergency Dental (Acute Onset of Pain to sound natural teeth).  Up to policy maximum for a traumatic dental injury
Political evacuation $100,000 maximum limit.  (Must be approved in advance by the company).  $100,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)
Mental disorders None None
Natural disaster evacuation $25,000 maximum limit. (Must be approved in advance by the company). $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)
Repatriation of remains Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death.  (Must be approved in advance by the company).  Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death.  (Must be approved in advance by the company). 
Emergency reunion $100,000 maximum limit.  (Must be approved in advance by the company). $100,000 maximum limit.  (Must be approved in advance by the company).
Return of minor children $100,000 maximum limit.  (Must be approved in advance by the company) $100,000 maximum limit.  (Must be approved in advance by the company)
Trip interruption None None
Trip delay None None
Lost luggage $50 per item, $500 maximum limit.   $50 per item, $500 maximum limit.  
Pet return Up to $1000 maximum limit. For a pet cat/dog traveling with an insured person. Up to $1000 maximum limit. For a pet cat/dog traveling with an insured person.
Upgrades Adventure Sports Rider, Enhanced AD&D Rider, Evacuation Plus Rider, and Chaperone/Faculty Leader Replacement Rider, and Mobile Device Protection Rider. Trip Cancellation, Interruption, and Trip Delay Rider are available to US residents only. Adventure Sports Rider, Enhanced AD&D Rider, Evacuation Plus Rider, and Chaperone/Faculty Leader Replacement Rider, and Mobile Device Protection Rider. Trip Cancellation, Interruption, and Trip Delay Rider are available to US residents only.
Travel Intelligence Not covered Covered
Telehealth Not covered Covered
Evacuation Plus Not covered Covered

FAQs: Patriot America Plus

Patriot America Plus is an A- rated comprehensive visitor health insurance plan that provides medical coverage and other travel and emergency services for visitors coming to the US. 

No, However the Patriot America Plus provides coverage for acute onset of non-chronic pre-existing conditions. For travelers aged 69 years and under, the maximum limit is $1,000,000. The plan includes $25,000, maximum limit for emergency medical evacuation for acute onset. 

Yes, the plan offers Trip cancellation and interruption coverage only to US residents. This upgrade is not available for non-US travelers. 

Yes, policyholders have the option to extend their coverage under Patriot America Plus. It can be extended to 24 continuous months. If the policy expires before it can be extended, a new application will have to be completed.  

COVID-19 is treated like any other illness. Medical treatment, and other services related to COVID-19 can be covered if the virus was contracted after the policy effective date. COVID-19 vaccination/booster is not covered under the policy. There is no quarantine benefit. 

FAQs: Patriot America Platinum

The Patriot America Platinum insurance plan provides comprehensive coverage benefits to non-US citizens traveling to the US. It is underwritten by Sirius Point Specialty Insurance Corporation and is rated A- “Excellent” by A.M. Best. 

Patriot Platinum Plan covers acute onset of non-chronic pre-existing conditions. It covers, with varying limits by age, up to $1,000,000 for people up to 69 years of age. For age 70 and over, the plan does not provide coverage for acute onset of a pre-existing condition. 

Adventure Sports coverage does not come with the standard plan,  but with additional premium you can buy the optional Adventure Sports Rider Coverage. It is available for those up to the age of 64. The maximum coverage for Adventure sports rider for different age groups are: 

  • Age 0-49-$50,000 
  • Age 50-60- $30,000 
  • Age 60-64- $15,000 

The Patriot Platinum insurance plan follows  the United Healthcare PPO network. You can go to any doctor or hospital of your choice, but it is recommended to go to a doctor or medical facility within the provider’s network for better benefits, easier claims process and negotiated rates. 

Patriot Platinum can be extended up to a maximum of 1095 continuous days (about 3 years).  Once the policy expires you no longer have the option for extension. In such cases, you may apply for a new policy. 

Concluding thoughts

Patriot America Plus and Patriot America Platinum are excellent travel insurance options for international travelers visiting the US. While Patriot America Plus offers comprehensive coverage, including coverage for the acute onset of non-chronic pre-existing conditions, Patriot America Platinum provides enhanced benefits and higher policy maximums, making it a premium choice for those seeking extensive protection. 

The decision between the two plans depends on individual needs, travel duration, and budget. Whether you choose Patriot America Plus or Patriot America Platinum, both plans offer peace of mind, financial security, and essential medical coverage during your stay in the US. To know about these plans in detail, contact us. We can guide you to buy the best plan as per your needs. 

Pallavi Sadekar

Pallavi Sadekar

Travel Insurance Expert

Pallavi Sadekar is a seasoned insurance professional with over 17 years of experience in the industry. As the Head of Operations at Visitor Guard®, she brings a wealth of expertise to the field. With a profound understanding of insurance, Pallavi has consistently demonstrated her commitment to helping clients make informed decisions about their coverage.

Pallavi’s insights and advice has earned her recognition in esteemed publications, including Forbes, USA Today, and various online platforms. Her contributions to these outlets have solidified her reputation as a trusted authority in the insurance domain. Whether it’s navigating the complexities of visitor insurance, finding the right coverage for clients, or understanding the intricacies of visitor health insurance, Pallavi’s in-depth knowledge allows her to offer practical and informed guidance to her clients.

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