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Patriot Platinum America

First-class travel medical insurance for individuals, families and groups of five or more.

5 Days to 3 Years

Since 1990, the administrator has provided global benefits and assistance services to millions of customers in nearly every country around the world. Owned by SiriusPoint, a multibillion-dollar, AM Best "A-" rated insurance industry leader, the administrator is uniquely positioned to deliver the Global Peace of Mind® our members need.

  • 24/7 medical and travel assistance services
  • COVID-19 coverage treated same as other illness
  • Multilingual staff & claims administrators
  • Highly trained customer service professionals
  • Core values driven by a commitment to customers
  • Customer service centers located in the U.S. and U.K.
  • Financial security to fulfill our promise when you need it most

Get Covered Away From Home

International travel can become a scary situation if you're not prepared for a medical emergency. Most travelers assume they're already covered by their standard medical plan-but that isn't always the case. While domestic plans provide sufficient coverage at home, most are not designed to provide the coverage and assistance required for international travel. Don't let your medical coverage be an uncertainty. Choose Patriot Platinum America that meets your needs and spend more time enjoying your international experience-not worrying about your medical coverage.

  • Maximum limits: $2,000,000 to $8,000,000
  • Deductible: $0 to $25,000
  • Extensions: Up to 36 continuous months
  • Emergency medical evacuation: Up to maximum limit
  • Coinsurance:
    • In-network: The administrator pays 100%
    • Out-of-network: The administrator pays 90% up to $5,000, then 100%
  • Acute onset of pre-existing conditions: Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation
  • Remote transportation: $5,000 per period, $20,000 lifetime maximum
  • Supplemental accident: $300 per covered accident

Summary of Benefits

Inpatient or Outpatient Services
Eligible Medical ExpensesUp to the maximum limit
COVID-19 / SARS-CoV-2COVID-19 / SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance
Physician Visits / ServicesUp to the maximum limit
Urgent Care Clinic$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-in Clinic$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Hospital Emergency Room: Inside the U.S.Injury not subject to emergency room deductible. Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit.
Hospital Emergency Room: Outside the U.S.Up to the maximum limit
Hospitalization / Room & BoardAverage semi-private room rate up to the maximum limit. Includes nursing service.
Intensive CareUp to the maximum limit
Bedside Visit
Hospitalized in an intensive care unit
$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital FacilityUp to the maximum limit
LaboratoryUp to the maximum limit
Radiology / X-rayUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
SurgeryUp to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Durable Medical EquipmentUp to the maximum limit
Chiropractic Care
Medical order or treatment plan required
Up to the maximum limit
Physical Therapy
Medical order or treatment plan required
Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility
Up to the maximum limit
Home Nursing Care
Upon direct transfer from an acute care facility
Up to the maximum limit
Prescription Drugs and Medications
(Dispensing limit per prescription: 90 days)
Up to the plan maximum limit, may not exceed $250,000
Emergency Services
Emergency Local Ambulance
Injury or illness resulting in an inpatient hospital admission
Up to the maximum limit. Subject to deductible and coinsurance.
Emergency Reunion
Must be approved in advance by the company
$100,000 maximum limit. Not subject to deductible.
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Company pays 100%
Natural Disaster Evacuation
Must be approved in advance by the company
$25,000 maximum limit. Not subject to deductible.
Political Evacuation & Repatriation
Must be approved in advance by the company
$100,000 maximum limit. Not subject to deductible.
Return of Minor Children
Must be approved in advance by the company
$100,000 maximum limit. Not subject to deductible.
Return of Mortal Remains or Cremation/Burial
Must be approved in advance by the company
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Other Services
Accidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident
$50,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible.
Dental Treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Hospital Indemnity$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft$500 maximum limit. Not subject to deductible.
Lost Luggage$50 per item, $500 maximum limit. Not subject to deductible.
Natural Disaster$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Personal Liability
Secondary to any other insurance
$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person's property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person's property.
Pet Return
For a pet cat or dog traveling with the insured person
$1,000 maximum limit. Not subject to deductible.
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person
$500 maximum limit. Not subject to deductible.
Terrorism$50,000 maximum limit. Not subject to deductible.
Trip Interruption$10,000 maximum limit. Not subject to deductible.

All coverage and benefits in this plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges . This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.

Expand Your Coverage

It's easy to customize your coverage to best meet your needs while away from home. When submitting your online or paper application, simply add the riders you need to the plan you've selected.

  • Adventure Sports Rider

    If you're a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

    Lifetime Maximum
    Age 0-49: $50,000
    Age 50-59: $30,000
    Age 60-64: $15,000

  • Chaperone/Faculty Leader Replacement Rider*

    If you are the designated chaperone/faculty leader and experience an unexpected death of a relative, a medical emergency, or the destruction of your residence that causes you to cancel or interrupt travel, this rider covers reimbursement for a round trip economy airline ticket up to $3,000 for a replacement chaperone/faculty leader.

    *Rider option is available on group plans only.

  • Enhanced Accidental Death & Dismemberment Rider (AD&D)**

    Accidents can happen-wouldn't you rather be prepared, especially when you're away from home? The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

    Note: Available to the primary insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments

    **Rider option is available on individual plans only.

Innovative Technology & Member Services

  • Self-Service Member Portal

    The administrator provides service at your fingertips, giving you the information and tools to manage your plans anytime, anywhere, through awardwinning, easy-to-use technology. You'll have immediate access to these important resources online, including our 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, and much more.

  • Pharmacy Discount Savings

    Universal Rx is a discount savings program that allows you to purchase prescriptions from one of 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This network offers a simplified claims process with minimal paperwork for the member if they visit an in-network provider.

    This program is not insurance coverage; it is purely a discount program.

  • U.S. Network Access

    UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest networks of providers in the U.S. that includes:

    • Over 1.4M physicians
    • 6,797 hospitals
    • Over 45,000 clinics
    • 67,000 pharmacies
    • 1,800 convenience clinics
  • International Provider AccessSM

    Travelers outside of the U.S. can also enjoy access to quality healthcare worldwide with proprietary IPA network that includes:

    • Over 18,550 physicians and facilities
    • Direct billing arrangements that minimize time and upfront expense

How To Get Covered

  • Step 1:

    Contact us directly to obtain an application or to apply online.

  • Step 2:

    Complete your application: If applying as a family, you may include yourself, your spouse, and dependents on one application. Please complete a group application if you have two or more primary insureds.

  • Step 3:

    Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the family!

How To Extend Your Coverage

Patriot Platinum America can be extended up to a maximum of 36 continuous months. To renew your coverage, please visit MyAccount.

Patriot Platinum America® Individual Rates (Destination includes the U.S.)

Individual Daily Rate - $250 Deductible
AgeMaximum Limit

Additional Deductible Options

Rate Factor1.

New premium rates per Insured Person effective May 05, 2021 for eligible individuals whose applications are approved by the administrator. The administrator reserves the right to assess the most current rates at the time of the effective date in the event these rates expire, are modified, or are replaced.

Groups of 5 or more primaries get a 10% discount off the individual rates.

Rates include surplus lines tax where applicable.

Plan Riders & Rates

Adventure Sports Rider
20% increase of base premium
Chaperone/Faculty Leader Replacement Rider*
10% increase of base premium
*Available on group applications only
Enhanced AD&D Rider*
Additional AD&D CoverageMonthly Rate
Up to $100,000 additional coverage$8
Up to $200,000 additional coverage$16
Up to $300,000 additional coverage$24
Up to $400,000 additional coverage$32
*Available to the primary insured on individual plans only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. Since January 1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person's sole and exclusive responsibility to determine the insurance requirements applicable to them, and the Company and the administrator shall have no liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including without limitation PPACA. For information on whether PPACA applies to you or whether you are eligible to purchase the Patriot Travel Medical Insurance, please contact your attorney or CPA.


P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA


Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470

This invitation to inquire allows eligible applicants an opportunity to seek information about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract.

Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by International Medical Group, Inc. and its representatives throughout the world. © 2007-2021 International Medical Group, Inc. All rights reserved.

The UnitedHealthcare name and logo are registered trademarks of UnitedHealth Group in the U.S. and other jurisdictions.

Version: 0521

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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