Patriot Platinum International vs. Patriot International

When planning to purchase visitors insurance before embarking on your upcoming trip, you may have come across two similar plans: Patriot Platinum International and Patriot International, and because of their major similarities, you may be wondering what the actual difference is between the two.

Patriot Platinum International and Patriot International are both comprehensive coverage plans that provide coverage within the US and internationally. Outside of the US and Canada, both of these plans pay 100% up to the policy maximum, after the deductible is satisfied. The key differences between the two plans are featured in the comparison chart below to help you choose the plan that best fits your travel medical insurance needs:

Patriot Platinum International
  • Administered by IMG
  • Up to 36 months of coverage
  • Policy maximum options of $1,000,000, $5,000,000, or $8,000,000 for ages 69 and under
     
  • Covers up to $20,000 for acute onset of pre-existing conditions for travelers under the age of 65


vs.
Patriot International
  • Administered by IMG
  • Up to 12 months of coverage
  • Policy maximum options of $50,000, $100,000, $500,000, or $1,000,000 for ages 69 and under
  • Plan pays 100% in network, after the deductible
  • Acute onset of pre-existing conditions not covered


COMMON EXCLUSIONS (What's not covered)
  • Preventative Care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care

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