Patriot Platinum America

Plan Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

Description


Why Consider Travel Insurance?

Exploring the Grand Canal in Venice by gondola, discovering the breathtaking lakes of Ticino in Switzerland from the foothills of the Alps, taking in the opera at Prague’s prestigious National Theatre, admiring some of the greatest masterpieces in the world at the Louvre in Paris, or sending family members on an adventurous vacation backpacking through Europe - whatever your travel destination, you expect and deserve first-class protection and service.  But what would happen if you or one of your family members became ill or injured while away from home? International travel can quickly turn frightening if you’re not prepared for a medical emergency.
 
Most travelers assume they will be covered by their standard medical plan. The truth is, while traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health - and that of your family - at risk.
 
You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. International Medical Group® (IMG®) has developed two Patriot Platinum Travel Medical InsuranceSM plans to provide you and your family superior protection so you can spend more time enjoying your international experience, and less time worrying about your medical security.
 
Why Patriot PlatinumSM?
 
As you expect first-rate protection when you travel, the two Patriot Platinum plans offer a complete package of international benefits available 24 hours a day.  Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while  Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country.  Both plans are available for a minimum of 10 days up to a maximum of three years.
 
Additionally, the plans offer enhanced benefits and services to meet your global needs.  You can choose from an extensive range of deductibles and Maximum Limits, you have exclusive access toour 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.
 
A Unique, Full-Service Approach
 
At IMG, we know that the reasons to travel abroad are many and varied - that’s why our services are designed to provide you with the security you need no matter where you are. Our goal is to make the medical process smooth and efficient.  By providing global products and services to vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence, IMG is the single resource for all your international travel needs.
 
How we service and support your needs is what sets us apart. Since 1990, we’ve served more than a million people around the globe - always focused on the specific needs of each individual.  We’ve set the benchmark for industry service levels by integrating independent credentialing services with in-house, fully owned and operated service divisions. At IMG, we’re with you, wherever you go - bringing support for all your insurance needs around the globe - providing you Global Peace of Mind®.
 
ELIGIBILITY
 
The following conditions apply to all persons applying for and/or enrolling in Patriot Platinum Travel Medical Insurance.
  • For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S.  For those 65 years of age and older, it must begin within 30 days of arrival.  These requirements will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement.  Please provide the name of your international insurance carrier on the Application Form.  If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.

CONDITIONS OF COVERAGE

  1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the certificate of coverage and Master Policy.
  2. Coverage under a Patriot Platinum plan is secondary to any other coverage.
  3. Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
  4. Charges must be administered or ordered by a physician.
  5. Charges must be incurred during the Period of Coverage or the Benefit Period.
  6. Claims must be presented to IMG for payment within the Period of Coverage, Benefit Period or during the three months immediately following the Period of Coverage.

ENROLLMENT PROCESS & APPLICATION FORM

You should read the following important information prior to completing the Application Form.
 
HOW TO ENROLL
 
Before you begin your travel, simply fill out the Application Form and calculate the premium for the time period you and/or your family will be traveling. Once you have completed the Application Form, return it to your insurance agent or broker, and/or mail it to IMG.
 
You, your spouse and unmarried dependent children (over 14 days and under 18 years of age) listed on the Application Form and for whom premiums have been paid will be covered from the latest of the following dates:
  1. the date IMG receives your completed Application Form and the appropriate premium;
  2. the date you depart from your home country; or
  3. the date requested on your Application Form.Patriot.

Platinum Travel Medical Insurance coverage ends on the earliest of the following dates:

  1. the end of the period for which premium has been paid;
  2. the date requested on your Application Form; or
  3. the date you return to your home country

ENROLLMENT PROCESSING & FULFILLMENT KITS

IMG normally processes Application Forms within 24 hours of receipt. Once processing is complete, IMG will mail a fulfillment kit to the mailing address listed on the Application Form. The fulfillment kit will include an IMG Identification Card, IMG contact numbers, Claim Forms and your insurance certificate providing a complete description of your rights and benefits under the contract. Please note: If you require express mail delivery, there is an additional charge listed on the Application Form.
 
ONLINE FULFILLMENT KIT
 
For your convenience, you may choose to download your fulfillment kit from the IMG website rather than having it mailed to you. To do this, you must check the appropriate box listed in Section 2 of the Application Form. We must have your correct email address to complete this process. Once IMG has received and processed your Application Form, you will receive an email from IMG that contains all of the hyperlinks to easily obtain the fulfillment information through the Internet.