Tuesday, May 14, 2024

Patriot Platinum Travel Medical Insurance Reviews

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IMG Patriot Platinum Travel Medical Insurance – Review – AARDY

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Tl dr: World Nomads Coverage Review Recap

  • World Nomads has made my life easier as a digital nomad living on the road for 10+ years by offering an entirely online process.
  • The adventure sports coverage is included in World Nomads policies by default, meaning theres no chance you overlooked a crucial coverage step in the select-it-yourself policies.
  • World Nomadsis my travel insurance of choice for long-term travelers. Its during my solo backpacking trips that Ive used World Nomads to the best success.
  • You are only covered for those things you are legally allowed to dono drugs or drunk driving, and no driving without the proper license.
  • Wondering what the best travel insurance is for anyone visiting the U.S. as a non-resident? I like IMG, because this is where World Nomads coverage has some gaps for many international travelers .

Best Cheap Travel Insurance Companies: Nationwide And Img Patriot Travel

Nationwide and IMG Patriot Travel offer comprehensive policies for travelers on a budget.

Two travel insurance companies share the title of the best cheap travel insurance providers: Nationwide and IMG. They each represent one of two categories most important to travelers comprehensive policies that offer various coverages, and travel medical insurance. Depending on the needs of an individual traveler, you’ll likely only need one of these policies.

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Should I Buy Travel Health Insurance

If you purchase travel with , you may not see much of a need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. However, your domestic policy may not cover you outside the U.S. So, its worth calling the number on your health insurance card if you have coverage questions. If you find your primary health insurance wouldnt cover you, its likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

Related: What older travelers need to know about getting travel health insurance

Patriot Travel Insurance Is Good For Expats Living Abroad

Patriot travel medical insurance review

Patriot is a solid option for expats living abroad, business travelers who may be away for several months, or students completing a semester abroad.

This insurance covers both inpatient and outpatient visits at an extensive network of providers.

Whether you break a bone or come down with an illness that needs a doctors care, theres a plan that offers coverage with very little in the way of out-of-pocket expenses.

You can choose your coverage limits and how much youll pay as a deductible, all so that you can get a policy that meets both your budget and health needs.

Just remember that Patriot travel medical insurance is not a replacement for health insurance and some things might be excluded from the policy.

If you plan to travel abroad for an extended period, you may want to schedule home visits for more routine care.

Patriot travel insurance is there to provide emergency coverage, not routine follow-ups and annual check-ups.

Coverage Options

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Patriot Platinum Group Insurance Review

  • Eligibility: Group travel medical coverage outside home country of primary residence.
  • Groups of 5 or more visiting the USA and other nations
  • Groups of 5 or more traveling abroad outside the U.S.
  • Policy Maximum: Plan offers maximum coverage choices for the life of the plan:
  • Age below 70 years, choices from US$1,000,000 to US$8,000,000
  • Ages 70 to 79 years, the maximum coverage is limited to $100,000, and
  • Ages 80 years and older, it is reduced to only $20,000.
  • Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 or US$5000 or US$10,000 or US$25,000 deductible per certificate period.
  • CoinsuranceAmount: For treatment received in USA/Canada only, outside the USA/Canada no coinsurance applies.
  • Outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible.
  • Inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
  • Policy Duration:
  • Customer Reviews For Img

    Sort by Most Helpful, Most Recent, Star Ratings, or select Filed Claim to only show reviews from customers who filed a claim.

    • 150 Reviews Since 2005
  • Rating 1 out of 5Policy: February 8, 2020 Flavio from Colombia Verified Squaremouth Customer

    The available doctors were really limited. I would not recommend this, since it was virtually useless, at least in Poland.

    Was this review helpful to you?16 out of 20 people found this review helpful

  • Rating 4 out of 5Policy: Kurt from IN Verified Squaremouth Customer

    Great Place to Buy Travel Insurance. I highly recommend that all do so.

    Was this review helpful to you?7 out of 8 people found this review helpful

  • Rating 1 out of 5Policy: December 12, 2019 Rafael from CA Verified Squaremouth Customer

    I cancelled this policy because it was not a good value. It excluded HIV-positive customers and was therefore worthless. Furthermore, it is secondary to any insurance I already had.

    Was this review helpful to you?11 out of 18 people found this review helpful

  • Rating 1 out of 5Policy: December 12, 2019 Bryan from CA Verified Squaremouth Customer

    I cancelled this policy because it was not a good value. It excluded HIV-positive customers and was therefore worthless. Furthermore, it is secondary to any insurance I already had.

    Was this review helpful to you?11 out of 19 people found this review helpful

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    Patriot Platinum Group Travel Medical Insurance Plan Is For Groups Of 5 Or More Non

    COVID-19 / SARS-CoV-2 / Coronavirus: Only the Patriot Platinum America Group 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 Group 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 Group Insurance provides first-class medical coverage for groups of five or more USA visitors or international travelers outside home country, who want to obtain the maximum coverage available in a short-term group travel medical product. The Patriot Platinum Insuranceoffers a 10% discount when compared with the Patriot Platinum Insurance and has one easy-to-use enrollment form to purchase a single group policy. The Patriot Platinum Group Insurance offers duration of coverage from a minimum of five days up to a higher maximum length of three years.

    Patriot Platinum Group Insurance is administered worldwide by International Medical Group , and the policy coverage is underwritten and issued by Sirius Specialty Insurance Corporation, rated A by A.M.Best and A- by Standard & Poors.

    Protecting The Security Of Personal Information

    Patriot America Plus travel medical insurance 6 of 6 Frequently Asked Questions and Answers

    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.

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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.

    What Is The Best Covid

    There are various aspects to consider if youre traveling during the coronavirus pandemic. I recommend booking travel plans that are fully refundable or have modest change or cancellation fees. This way, you dont need to worry about whether your policy will cover trip cancellation. And this is important since many standard comprehensive insurance policies wont reimburse your insured expenses in the event of cancellation if its related to fear of traveling due to COVID-19 even with the ongoing spread of the delta variant.

    However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed if you simply choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional, cancel-for-any-reason protection. Just note that this benefit is time-sensitive, and there are eligibility requirements, so not all travelers will qualify.

    Providers will often require CFAR purchasers to insure the entire dollar amount of their travels in order to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify any and all travel suppliers at least 48 hours prior to your scheduled departure.

    In the end, the best pandemic travel insurance policy will depend on your trip details, your travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before making your purchase.

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    Patriot Platinum Insurance Highlights

    • Short-term travel medical coverage outside home country
    • Plan designed to suit both USA visitors or international travelers
    • Coverage for individuals, families, groups, and their dependents
    • Suits foreign residents visiting USA, traveling outside their home country
    • Suits U.S. citizens traveling abroad to any overseas destination
    • Maximum limit choices, USD 1 million to USD 8 million, ages below 70
    • One time deductible options range from $0 to a high $25,000
    • Plan covers acute onset of pre-existing conditions
    • Extend or renew policy to 3 years total duration
    • Wide PPO network of doctors, hospitals, and other providers
    • Freedom to seek treatment within or outside PPO network
    • Save on co-insurance costs within PPO network
    • Universal Rx pharmacy discount savings included
    • Access policy certificate on the Client Dashboard online
    • Professionals to assist and answer routine health related questions

    Changes To Our Privacy Statements

    Patriot travel medical insurance review

    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.

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    When And How To Get Travel Insurance

    For the most robust selection of available travel insurance benefits including time-sensitive add-ons like cancel-for-any-reason protection and waivers of preexisting conditions for eligible travelers you should ideally purchase travel insurance on the same day you make your first payment towards your trip. However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit . If you dont need a preexisting conditions waiver or arent interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

    However, your coverage must be purchased before its needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

    In addition, you cant buy any medical coverage once you actually require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, its too late to protect your trip.

    Once youve shopped around and decided upon the best travel insurance plan for your trip, you should be able complete your purchase online. Youll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

    California Consumer Privacy Act

    IMG does not sell your personal data to third parties and will not do so. Any data that IMG processes on your behalf is subject to your express consent or relates to services that you have asked us to perform on your behalf.

    You may access, correct, or request deletion of your personal information by logging into your account or by contacting . 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. If you believe you have other rights under the California Consumer Privacy Act or have other questions regarding your data, please contact IMGs Data Protection Officer.

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    Essential Travel Insurance Tips

    Travel insurance is the single best way to protect yourself against the unknown facing you on the road. During my more than a decade of travel, Ive had dysentery, giardia, scabies, strep throat, and a host of health issues. Travel sickness is a part of long-term travel. Although Ive never had major catastrophic health problems, nor been robbed of any key gear, I would never take the risk of backpacking the world without emergency help available. Travel insurance companies have a huge network of providers, and once you activate them, they negotiate with those providing your help or care. Thats a huge relief when things are going south.

    You can find terrible reviews online for all travel insurance companies. There are some circumstances where the traveler just didnt fit within the policy wording and they werent covered. Thats tough. It is imperative that you read the requirements for making a claim if something goes wrong on your trip.

    When reviewing any policies, even the best travel insurance has some loopholes. Here are key cautions and warnings to heed:

    Other Important Privacy Information

    Patriot Platinum America Insurance

    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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