Monday, June 17, 2024

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Patriot Platinum Travel Medical Insurance

IMG Patriot Platinum Travel Medical Insurance – Review – AARDY

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

Patriot Platinumprovides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today. Patriot Platinum builds upon the core benefits of the Patriot Travel plan and can provide up to $8,000,000 of coverage with enhanced benefits and services, including our Global Concierge & Assistance ServicesSM.

There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country.

Employer Sponsored Group Insurance

GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world. GEO Group assists employers to carve out their international employees to provide U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for employees and their families.

Why You Need Travel Medical Insurance

  • Travel medical insurance for individuals, families, and groups
  • Renewable up to 24 months
  • Deductible options from $0 to $2,500
  • Maximum limits from $50,000 to $1,000,000
  • Coverage for medical expenses, emergencies, evacuation, and repatriation

Additionally, the plans offer excellent benefits and services to meet your global travel needs.

Youll have access to international, multilingual customer service centers, claims administrators who process claims worldwide, in virtually every language and currency, and 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

You can choose from a wide range of deductibles and several maximum limits, and youll also have access to more than 17,000 providers through our International Provider Access Network 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 UnitedHealthcare Options network.

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Patriot Platinum Review Unique Benefits

  • Patriot Platinum is travel insurance for US citizens travelling outside the USA with coverage for brief returns to the US and for non US citizens travelling outside their home country.
  • For those under 65 years of age the coverage must begin within 6 months of arrival in the USA and for those 65 and above the coverage must begin within 30 days.
  • For US citizens up to $50,000 will be paid for eligible expenses of a sudden and unexpected recurrence of a pre existing condition while travelling outside the USA. Premium coverage available for in-patient and out-patient medical expenses.
  • Supplement accident provide up to $300 of first dollar benefits for treatment of an injury. Along with medical benefits, the insured can get coverage for Common carrier accidental death, natural disaster, trip interruption, terrorism coverage.
  • Most of the medical benefits cover up to the Maximum Limit. 12 months benefit period may provide continued coverage.
  • Benefit of up to $500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier
  • Access to a dedicated service team for assistance services
  • If you have purchased the plan for a minimum of 1 month, coverage may be renewed for a total of up to 3 years.
  • In case of a emergency hospital admission, pre certification call must be made within 48 hours of the admission or as soon as reasonably possible.

Patriot Group Travel Medical Insurance

Travel Medical Insurance Plans

Groups of five or more members Short-term coverage available from five days up to two years.

Patriot Group Travel Medical Insurance is designed for groups of five or more non-related members looking for temporary medical insurance coverage while travelling outside of their home country. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $2,000,000. The plan also provides a 10% discount of the standard Patriot Travel Medical plan.

There are two plans available: Patriot InternationalSM Group provides coverage for U.S. citizens traveling outside the U.S. and Patriot AmericaSM Group provides coverage for non-U.S. citizens traveling outside their home country.

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Protecting The Security Of Personal Information

IMG is committed to protecting the security of your personal information. We use a variety of generally accepted standards of security technologies and procedures to help protect the personal information submitted to us, from unauthorized access, use or disclosure both during transmission and once it is received. For example, we store the personal information you provide on computer systems that have limited access and are in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer protocol.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share it. If you are sharing a computer, you should always log out before leaving a site or service to protect access to your information from subsequent users. If you have questions about the security of your personal information, you can contact .

We may retain your information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes and enforce our agreements.

Storage and Retention – We store search terms separately from any account information that directly identifies the user, such as name, e-mail address, or phone numbers. Further, we have built-in technological and procedural safeguards designed to prevent the unauthorized correlation of this data.

Patriot Platinum Insurance Plan Brochure

Patriot Platinum Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.

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Best Travel Insurance Company For Airfare: Berkshire Hathaway Travel Protection

Berkshire Hathaway’s unique AirCare plan automatically files claims for you.

When it comes to domestic travel in the U.S., Berkshire Hathaway Travel Protection is the best company on this list. Most travel insurance companies offer some form of coverage for flights, but Berkshire Hathaway’s AirCare is unique. The company actively tracks flight activity and automatically transfers payouts for eligible circumstances without filing a claim. It also transfers money to policyholders for unique situations, such as a tarmac delay.

In addition to AirCare, Berkshire Hathaway Travel Protection offers ExactCare, providing more traditional travel insurance coverages. Whether you’re making your regular visit to see family, on a business trip or taking a once-in-a-lifetime vacation, these are coverages to strongly consider.

AirCare vs. ExactCare pricing

Since AirCare only protects flight incidents, we found that it costs an affordable $15 to insure your entire flight. Meanwhile, ExactCare has several tiers of coverage, ranging from ExactCare Value to ExactCare Extra. Essentially, the higher the tier, the higher the insurance premiums are. We found that ExactCare ranged from $18.14 to $23.29 per day. While not the cheapest travel insurance policy, it offers lots of protection for those who want extra benefits beyond AirCare.

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Patriot America Plus travel medical insurance 2 of 6 Best for whom?

The Patriot Platinum plan provides high-end coverage for short-term international travellers who are looking for the maximum coverage available. This plan offers a variety of maximum overall limits up to $8,000,000 as well as enhanced benefits and services. In addition to medical coverage, this plan includes benefits for emergency evacuation and repatriation as well as trip interruption, baggage, accidental death, and optional trip cancellation coverage for US citizens.

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Individual & Family Five Days Up To Three Years Coverage

Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today. Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM

Customer Satisfaction And Financial Strength Review

When it comes to achieving customer satisfaction, IMG seems to enjoy a position that has few equals at the very least, that is what it may seem by its ratings on most customer review websites.

For instance, on Trustpilot, the company boasts an average rating of 4.4 out of 5 stars based on 1,702+ reviews. A similar rating was spotted on Squaremouth based on the 150+ reviews. On, the company garnered an even more enviable rating of 4.6 out of 5 stars based on 2,888+ votes. The only major user review site where the company received a negative rating was Yelp, where it held 1 out of 5 stars based on 95+ reviews.

Its world-class customer service, user-friendly website, and fast and easy processes were notable aspects frequently praised by customers. Common IMG travel insurance complaints included having difficulties understanding and differentiating between the plans on offer.

IMG Travel Insurance is BBB accredited, receiving a stellar rating of A- from the organization. And, in terms of financial strength, the company enjoys a very positive outlook, being underwritten by the Sirius Group, which has a market cap of over $1 billion and received an A from A.M. Best for financial stability.

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How We Use Your Personal Information

IMG uses the information we collect to operate, improve and personalize the products and services we offer. Information collected through one IMG service may be combined with information collected through other IMG services to give you a more consistent and personalized experience in your interactions with us. We may also supplement this with information from other companies. For example, we may use services from other companies to help us derive a general geographic area based on your IP address in order to customize certain services to your geographic area.

For IMG services, we use this information to provide you with relevant search results. We also use the information we collect to maintain and improve the quality, security and integrity of our products and services. For example, we may use this information for research purposes and to improve the relevancy of search results. This information is also necessary in order to detect and protect against security threats such as botnet attacks, click fraud, worms, and other threats. We also may use the information to communicate with you, for example, informing you when an insurance contract is ending, letting you know when updates are available or letting you know when you need to take action to keep your account active.

Cultural Exchange Student Insurance Plans

Travel Medical Insurance Plans

Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. J1 visa travel insurance requirements.

Its flexible plan design also provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S. citizens worldwide except in their home country and Europe to Europe.

Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed for a total of four years.

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Global Concierge & Assistance Services

WHY IMG?International Medical Group® , is an award-winning provider of global insurance benefits and assistance services for more than 25 years. It enables its members to worry less and experience more by delivering the protection they need, backed by the support they deserve. IMG offers a full line of international medical insurance products, as well as trip cancellation programs, stop loss insurance, medical management services and 24/7 emergency medical and travel assistance all designed to provide members Global Peace of Mind® while theyre away from home.

Financial StabilityOur globally recognized underwriters, A-rated Sirius International Insurance Corporation and certain underwriters at Lloyds, offer the financial security and reputation demanded by international consumers.

Accessible TechnologyLog on to the secure, 24-hour online portal, MyIMGSM, to submit and view your claims, manage your account, search for providers, Live Chat with representatives and more.

International Emergency CareWhen youre away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

Other Important Privacy Information

Below you will find additional privacy information you may find important. Much of this describes common practices that we want you to know about. And some of this is just stating the obvious . Please keep in mind that this information is not a complete description of our practices this is all in addition to the other, more specific information contained in the privacy statements, agreements and releases relating to each IMG product and service you use.

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Outreach Travel Medical Insurancesm

Individual & family Short-term coverage available from five days up to two years.

The Outreach product addresses the medical insurance needs of U.S. citizens and non-U.S. citizens who need temporary medical insurance for church or mission related travel anywhere outside of their home country. Coverages include Emergency Medical Evacuation, Repatriation, and your choice of deductible and policy limits.

Patriot America Plus Travel Medical Insurance

Patriot America Plus travel medical insurance 6 of 6 Frequently Asked Questions and Answers
  • Non US citizens travelling to the USA, International travelers requiring continuing coverage.
  • Patriot America Plus offers coverage for pre-existing conditions
  • Deductible options from $0 to $2,500
  • Policy Maximum from $50,000 to $500,000
  • Renewable upto 24 continuous months
  • Patriot America Plus has coverage for covid19
  • Available for US citizens living outside USA but visiting the US
  • Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
  • Deductible options from $0 to $2,500
  • Policy Maximum from $50,000 to $2,000,000
  • Renewable upto 24 continuous months
  • Patriot International insurance schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.

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Review The Patriot Platinum Travel Medical Insurance Offering Top Rated Benefits And Features Patriot Platinum America Provides Best Visitors Insurance Coverage For Foreign Residents And Non

COVID-19 / SARS-CoV-2 / Coronavirus: Only the Patriot Platinum America Insurance purchased on or after September 1, 2020 will include coverage up to the plan maximum for COVID-19, if contraction and treatment occur after the policy effective date. The Patriot Platinum International Insurance does NOT include Covid19 coverage. Also, for policies effective from March 11, 2020 through August 31, 2020, COVID-19 will NOT be covered and excluded from coverage. The World Health Organization had declared the coronavirus related disease as a pandemic, hence the exclusion applies per the previous policy certificate of insurance document.

Review the Patriot Platinum Insurance that provides first-class travel medical protection for the discerning USA visitor or international traveler. The Patriot Platinum plan offers the best in class features and maximum coverage available in a short-term travel medical product for visitor to the USA, or even the global traveler. Patriot Platinum Insurance offers duration of coverage from a minimum of five days up to a higher maximum renewal length of three years.

Patriot Platinum Travel Medical Insurance offers two plans choices Patriot Platinum America provides coverage for non-U.S. citizens visiting USA and traveling outside their home country, and Patriot Platinum International provides coverage for U.S. citizens or foreign nationals traveling outside the United States.

Best For Comprehensive Coverage: Nationwide

Nationwides Essential Plan is the best cheap travel insurance policy that offers comprehensive coverage. In addition to the standard coverages associated with travel insurance, the Essential Plan includes health, medical and death and dismemberment, as well as other benefits.

Benefits of the policy also include coverage for events before and during a trip, such as trip cancellation, trip interruption and travel delays. Policyholders will also have access to the companys Travel Assistance service at no additional cost.

To add “Cancel For Any Reason” coverage, you can opt for Nationwide’s Single-Trip Prime Plan instead. The maximum policy limits also are significantly higher, and youll receive additional benefits.

Essential Plan vs. Prime Plan pricing

Based on our pricing estimate, we found that there was about a $5 per day difference between Nationwide’s Essential Plan and the Prime Plan . This difference will fluctuate based on your age, destination and other factors.

Given that the Prime Plan includes “Cancel For Any Reason” coverage, we found that this was a great price for anyone needing this type of travel insurance. The Essential Plan is still an excellent option, offering both medical and trip cancellation and interruption protections.

Nationwide Essential Plan Benefits

N/A Yes, included at no additional cost if purchased within 21 days of initial trip payment

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Changes To Our Privacy Statements

We will occasionally update our privacy statements to reflect customer feedback and changes in our services. When we post changes to a statement, we will revise the “last updated” date at the top of the statement. If there are material changes to the statement or in how IMG will use your personal information, we will notify you either by prominently posting a notice of such changes before they take effect or by directly sending you a notification . We encourage you to periodically review the privacy statements for the products and services you use to learn the latest information on our privacy practices.

Accessing Your Personal Information And Search History

Patriot travel medical insurance review

When using a web browser, you can access and manage your information, including Search History, through the preferences page. You may clear your search history from appearing on the site by following the steps provided in see your search history. Clearing your history removes it from the Search History and prevents that history from being displayed on the web browser, but does not delete information from our standard search logs, which are retained and pseudonymized.

Upon request IMG will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by logging into your account or by emailing us at . We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information, or may need to retain your personal information in order to continue providing a service.

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