IMG International Travel Health Insurance

$3.63

Patriot Travel Medical Insurance provides travelers medical and health coverage while traveling for business or pleasure anywhere outside of their home country.

Patriot Travel Medical Insurance provides temporary medical insurance to individuals, families, and groups who travel for business or pleasure outside of their own country.

If you aren’t prepared for a medical emergency while traveling, it may rapidly become a frightening situation. The majority of consumers think they will be covered by their regular medical insurance, but this isn’t always the case. While traditional plans may provide adequate domestic coverage, they aren’t built to cover international travel. You may be unwittingly putting your health in danger without even realizing it.

Take advantage of one of IMG’s two Patriot Travel Medical Insurance plans to reduce stress and worry about medical coverage while traveling abroad.

 

Short-term travel medical insurance for individuals and families

Patriot Travel Medical Insurance provides coverage for individuals and families who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country. Simply, health insurance for foreign travel.
 

Why You Need Travel Medical Insurance

 
 

Patriot Travel Insurance Highlights:

  • Short-term travel medical coverage for single trips.
  • Coverage for individuals and dependents 
  • Two plan designs – one for people traveling outside their home country whose destination excludes the U.S. and one for those whose destination includes the U.S.
  • Maximum limits per period of coverage options: $50,000, $100,000, $500,000, $1,000,000
  • Deductible options from $0 to $2,500 
  • Available in daily and monthly rates
  • Renewable up to 24 months
  • Freedom to seek treatment with a hospital or doctor of your choice
  • Universal Rx pharmacy discount savings
  • 24-hour secure access from anywhere in the world to manage your account at any time

 

Who the plan is designed for:

  • College students studying abroad
  • Foreign au pairs and nannies
  • Families sponsoring exchange students
  • International vacationers needing health insurance while traveling abroad.
  • Individual or group missionaries
  • Relatives visiting from overseas
  • Recently arrived immigrants

 

Coverage Options

  • Travel medical insurance for individuals, families, and groups
  • Renewable up to 24 months
  • Deductible options from $0 to $2,500
  • Maximum limits from $50,000 to $1,000,000
  • Coverage for medical expenses, emergencies, evacuation, and repatriation

Additionally, the plans offer excellent benefits and services to meet your global travel needs.

You’ll have access to international, multilingual customer service centers, claims administrators who process claims worldwide, in virtually every language and currency, and 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

You can choose from a wide range of deductibles and several maximum limits, and you’ll also have access to more than 17,000 providers through our International Provider Access Network when seeking treatment outside the U.S. 

You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the UnitedHealthcare Options network. 

 

COVID-19

We are pleased to announce that Patriot International, Patriot Platinum International, and Visitors Care plans will undergo a modification to the Pandemic and Epidemic language to include coverage for COVID-19. Patriot America Plus and Patriot Platinum America plan already include coverage for COVID-19.

 

Adventure Sports Rider

The Adventure Sports Rider is available to travelers up to the age of 65. The following sports are insured as long as they are done solely for leisure, fun, or entertainment:

  • abseiling,
  • BMX,
  • bobsledding,
  • bungee jumping,
  • canyoning,
  • caving,
  • hot air ballooning,
  • jungle zip-lining,
  • parachuting,
  • paragliding,
  • parascending,
  • rappelling,
  • skydiving;
  • spelunking,
  • whitewater kayaking,
  • wildlife safaris, and
  • windsurfing.

Any such activities must be carried out in accordance with the regulations, rules, and guidelines of each activity’s appropriate Governing Body or Authority. Whether you buy the Adventure Sports Rider or not, certain sports activities are never covered.

A list of all sports activities that are not covered by the policy is provided in the exclusions section of the Certificate of Insurance.

Evacuation Plus Rider

This optional evacuation plus rider is available to insureds up to age 65, and provides coverage for medical evacuations for sudden and unexpected medical conditions that are non-life-threatening, and where hospitalization is medically necessary. 

Regardless of the number of days traveled, a three-month subscription is required.

Enhanced AD&D Rider

This optional coverage is only available to the primary insured person. In addition to the Accidental Death and Dismemberment coverage already included in the plans, this rider is available with a three-month medical and AD&D insurance policy purchase.

Chaperone/Faculty Leader Replacement Rider

The Chaperone/Faculty Leader Replacement Rider may be purchased by groups in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a family member, a medical emergency, or significant damage to his or her primary residence abroad, forcing them to cancel or interrupt their travel.

Replacement Chaperone/Faculty Leader expenses up to $3,000 for a round-trip economy airline ticket are covered.

Company Rating (A.M. Best)

Cancellation Policy

The Insured Person shall have three days from the Initial Effective Date of Coverage to review the benefits, conditions, limitations, exclusions, and all other Terms of the Master Policy as evidenced and outlined in the certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to IMG by email, mail, or fax and received by IMG with the Review Period, thereby qualifying to receive a full refund of Premium paid.

Upon effectuation of such cancellation and refund, neither IMG nor the Insured Person shall have any further rights, liabilities, or obligations under this insurance.

After the Review Period, the following conditions apply if the Insured Person wishes to cancel this insurance:
– If any claims have been filed with IMG, the Premium is fully earned and is non-refundable.
– If no claims have been filed with IMG, a cancellation fee of $50.00 will be charged and only Premium covering time periods after the cancellation are refundable.

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