Patriot America Platinum

Patriot America Plus is a Comprehensive travel insurance plan underwritten by Sirius International and administered by IMG Global.

Patriot America Platinum is a great travel insurance plan for non-U.S citizens traveling outside their home country. For example, someone from China visiting the U.S.A on a short visit to visit their relatives.

This plan is very similar to Patriot America plan but differ in certain ways.

Within the PPO Network, Patriot America Platinum plan pays 100% of the costs of services up to the policy maximum and pays 100% of costs outside the US after the deductible. Outside the PPO network, the plan pays 90% of the first $5,000 and 100% thereafter.

It offers travel medical protection including out-patient treatment, in-patient treatment, emergency services, emergency medical evacuation, etc to mention a few.

This plan doesn’t cover the following.

  • Preventative care (immunizations, routine medical exams).
  • Injuries incurred from certain extreme sports and hazardous activities.
  • Pregnancy and maternity care.
  • Treatment for mental health disorders.

This plan offers a maximum policy period of three years.

Patriot America Plus and Atlas America are two other plans that might be better options than Patriot America Platinum.

Pre-existing conditions are covered under this plan (unlike in Patriot America), but please check the fine print for exclusions.

Pre-existing conditions may be subject to defenition, as specified by the plan.

Patriot America Platinum travel insurance plan is part of the United Healthcare network, which is a good provider network in the USA.

Patriot America Platinum is different from Patriot America and Patriot America Plus in the following ways.

  • More maximum limit to policy (up to $8,000,000).
  • Deductible up to $25,000.
  • Extension possible up to 3 years.
  • Emergency medical evacuation higher limit ($8,000,000).
  • Coinsurance offered is 90% up to $5,000, then 100%.

Patriot America Plus Pros

  • Affordable Premium.
  • Great PPO Network.
  • Ideal for young travelers on short visits.
  • Covers pre-existing conditions.

Patriot America Plus Cons

  • Low policy maximum for pre-existing conditions coverage over ages 70+.

Patriot America Plus Features

AdministratorIMG Global
UnderwriterSirius International
Provider NetworkUnited Healthcare
Coverage LocationUSA, International
Coverage Duration Min5 Days
Coverage Duration Max2 Years
Visa TypesB1/B2 Visa
Available ForNon US Residents, US Visitors, US Residents
Restricted StatesNone
Pre-Existing ConditionsNot Covered

Patriot America Plus is a Comprehensive travel insurance plan.

Patriot America Plus is Available.

It is an Affordable travel insurance plan.

Patriot America Plus is administered by IMG Global.

Patriot America Plus offers PPO network.

Patriot America Plus offers coverage in USA, International regions.

Patriot America Plus offers minimum policy duration of 5 Days.

Patriot America Plus offers maximum policy duration of 3 Years.




B1/B2 Visa, Green Card visa holders can buy Patriot America Plus insurance.

Patriot America Plus is available for Non US Residents, US Visitors, US Residents.

Patriot America Plus is part of United Healthcare network.


Pre-existing conditions are Covered by Patriot America Plus travel insurance.



You can get the full policy details from here –

You can claim Patriot America Plus travel insurance by following the details here –

Patriot America Plus Review

Mani Karthik

Claim Process


Patriot Platinum is one of the best travel insurance plans offered by IMG Global but it is very similar to Patriot America and differs in the fact that this plan offers up to three years of maximum policy period.


Visitors Care