This article was last updated and fact checked on June 27, 2023 by Mani Karthik.
Let’s deep dive into one of the most popular and comprehensive travel insurance plans on the market – the Patriot America Platinum plan.
Get your spectacles and a cup of coffee as we embark on this intricate journey of deciphering insurance jargon and translate it into digestible nuggets of wisdom!
In this article...
Patriot America Platinum: A Comprehensive Review
To put it simply, if travel insurance was a superhero universe, Patriot America Platinum would be the Iron Man of that realm – super tech-savvy, financially well-endowed and got your back when things go south.
Administered by IMG, the International Medical Group, this plan is top-tier and is designed for non-US citizens traveling outside their home country, with coverage in the USA or internationally.
With an impressive range of benefits and extensive policy maximums, it’s no wonder that Patriot America Platinum enjoys such a broad appeal among discerning travelers.
Coverage – the Meat of the Policy
Arguably the most impressive feature of Patriot America Platinum is its exhaustive coverage. With a policy maximum that ranges from $1,000,000 to $8,000,000, it leaves no stone unturned.
Compare this with many other plans that cap out at a million or two, and you’ll realize the magnanimity of the coverage.
The plan covers a plethora of medical expenses including hospital room and board, intensive care, physical therapy, and local ambulance services.
But here’s the kicker – it also extends coverage for acute onset of pre-existing conditions for up to $500,000 for travelers under 70.
Few plans offer such a high limit for pre-existing conditions, making this a top draw for senior travelers with underlying health concerns.
| Feature | Description | Benefit |
|---|---|---|
| Plan Type | Comprehensive | Covers a wide range of potential issues, making it suitable for various types of travel and travelers |
| Policy Maximum | $1,000,000 | Provides high coverage for medical emergencies |
| Deductible | $0-$2,500 | Allows you to choose a deductible that fits your budget |
| Pre-existing Condition Coverage | Yes, for acute onset | Provides coverage for sudden and unexpected outbreak or recurrence |
| COVID-19 Coverage | Yes | Ensures coverage for COVID-19 related issues |
| Trip Interruption | Up to $10,000 | Helps recoup costs if your trip is interrupted for covered reasons |
| Lost Luggage | Up to $500 | Provides reimbursement if your luggage is lost |
| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum | Covers costs of medical evacuation if necessary |
| Repatriation of Remains | Up to policy maximum | Covers costs to return your body home if you die on the trip |
| Return of Minor Children | Up to $100,000 | Covers costs to return your minor children home if you become hospitalized |
| Political Evacuation | Up to $100,000 | Covers costs if you need to leave the country due to political unrest |
| Terrorism Coverage | Up to $50,000 lifetime maximum | Provides coverage in the event of a terrorist attack |
| Sports & Activities Coverage | Up to policy maximum | Provides coverage for injuries or accidents during certain sports and activities |
Additional Benefits – Icing on the Cake
The Patriot America Platinum plan doesn’t just stop at medical coverage.
It puts on its all-rounder hat and steps into realms like dental, vision, emergency evacuations, and repatriation.
Emergency medical evacuation benefit is a whopping $1,000,000, reassuring for those planning adventurous expeditions. In comparison, lower-tier plans often offer only $500,000 or less.
Noteworthy Features – Little Details That Matter
This plan is studded with features that make it stand out. For one, it offers coverage for extreme sports, something not commonly found in travel insurance.
Furthermore, the plan provides a unique “Trip Interruption” benefit, which is a godsend if you have to cut your trip short due to unforeseen circumstances.
While Patriot America Platinum might appear expensive on the surface, the benefits and peace of mind it offers provide significant value for the cost.
When compared to other plans like Atlas America or Patriot America Plus, the Platinum plan indeed sits in a league of its own.
Key Takeaways
Here are the key takeaways from our in-depth review of the Patriot America Platinum Travel Insurance plan:
- Comprehensive Coverage: Patriot America Platinum stands out with its extensive coverage that ranges from $1,000,000 to $8,000,000, making it a suitable option for a wide variety of travelers.
- Pre-existing Condition Clause: With coverage up to $500,000 for acute onset of pre-existing conditions for travelers under 70, it holds appeal for senior travelers with underlying health conditions.
- Additional Benefits: Besides medical coverage, the plan extends to areas such as dental, vision, emergency evacuations, and repatriation, which adds layers of security to your travel protection.
- Unique Features: From extreme sports coverage to trip interruption benefits, the policy is studded with distinctive features that cater to diverse travel needs.
- Value for Money: Despite a higher upfront cost, the extensive coverage and peace of mind offered by Patriot America Platinum provide significant value for the price.
- A top-notch choice: If comprehensive coverage, high policy maximums, and additional unique benefits are on your checklist, Patriot America Platinum emerges as a top contender in the travel insurance space.
Final Verdict – Is It Worth It?
In conclusion, after thoroughly dissecting the pros and cons, and delving deep into the specific features of the Patriot America Platinum travel insurance plan, I can confidently say that it’s a strong contender in the field of travel insurance.
The extensive coverage, wide array of benefits, and high policy maximums are commendable and offer a sense of security that few other plans can match.
That said, I do acknowledge that the cost may be a sticking point for some. It’s true that there are cheaper plans out there.
But remember, when it comes to insurance, it’s not just about price—it’s about what you get for that price.
And in the case of Patriot America Platinum, you are getting a whole lot.
If your budget allows for it and your travels necessitate comprehensive coverage—whether that’s because of health concerns, adventurous activities, or simply for peace of mind—I wholeheartedly recommend the Patriot America Platinum.
It’s more than just an insurance plan, it’s a protective layer that lets you enjoy your journey without any looming worries.
So go ahead, secure your trip, and create those beautiful travel memories without any fear.
