Patriot Platinum Travel Medical Insurance: High-Limit Long-Term Protection for Extended International Travel
For extended international assignments — such as long-term mission work, humanitarian projects, faith-based service, or fieldwork lasting weeks to months — short-term plans often run out or leave gaps. Patriot Platinum from IMG is a premium travel medical insurance plan that provides comprehensive Accident and Sickness coverage for one continuous period outside the home country.
It offers flexible medical maximum choices up to $8 million, a wide range of deductibles ($0–$25,000), and strong benefits including emergency medical evacuation up to the plan maximum, acute onset of pre-existing conditions (for those under age 70), repatriation of remains, and enhanced services like Telehealth and Travel Intelligence. Coverage starts with a minimum of 5 days and can be renewed up to 36 continuous months.
This plan delivers high-level protection for organizations and individuals operating with limited resources who are traveling or living abroad for extended periods.
Key Coverage Highlights – Patriot Platinum
Benefits are per insured person per period of coverage unless otherwise noted. Exact limits, terms, and conditions are in the policy documents. Choose from medical maximums of $1M, $2M, $5M, or $8M (age restrictions apply; lower limits for ages 70+). Deductible options: $0 to $25,000.
Emergency Accident and Sickness Medical Expense — Up to the selected medical maximum. Covers eligible inpatient/outpatient care, surgery, hospitalization, prescriptions (90-day dispensing limit), and more.
Emergency Medical Evacuation — Up to the selected medical maximum (or $1M on lower tiers in some versions).
Repatriation of Remains — Up to the medical maximum or specific limit (often $100,000 or included).
Acute Onset of Pre-Existing Conditions — Covered for those under age 70 (limits vary by age and plan; up to $1M in some cases for medical + $25,000 for evacuation).
Political Evacuation & Natural Disaster — Up to $100,000 each.
Emergency Reunion — Up to $100,000.
Return of Minor Children — Up to $100,000.
Incidental Home Country Coverage — Limited coverage for brief returns (up to 2 weeks in some versions).
Telehealth & Travel Intelligence — Embedded access to 24/7 physician consultations and location-specific alerts.
Additional benefits — Accidental death & dismemberment, remote transportation, Evacuation Plus (non-life-threatening cases), and more.
Coverage is available for individuals, families, and groups. Always review the specific certificate for fully covered reasons, exclusions, coinsurance details (100% outside the U.S. in many cases), age eligibility, and state variations. COVID-19 is covered the same as any other illness.