Patriot Adventure Travel Medical Insurance

Temporary health insurance for adventurous individuals and families

Designed for adventurous international travelers who intend to participate in the thrill of adventure sports and realize that their current medical plan does not cover certain hazardous sports and activities.

You have enough to worry about when you're traveling.  Don't let your medical coverage for sports activities be an uncertainty.  IMG has developed two Patriot Adventure plans that offer a package of complete benefits available 24 hours a day.  Patriot Adventure InternationalSM provides coverage for U.S. citizens traveling outside the U.S., while Patriot Adventure AmericaSM provides coverage for non-U.S. citizens traveling outside their home country.  Both plans are available for a minimum of 30 days up to a maximum of six months.

Additionally, the plans offer excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You also have access to more than 17,000 providers when seeking treatment outside the U.S. using our International Provider AccessSM (IPA). You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.

Highlights

  • Travel medical insurance for individuals and families
  • Option to purchase in 15 day increments after one month is purchased
  • Deductible of $250
  • Maximum Limit of $50,000
  • Coverage for several adventure sport activities

Made for...

  • Vacations / Holidays
  • Visitors / Immigrants
  • Employers / Business Travelers

Coverage Information

Conditions of Coverage

  1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy.
  2. Coverage under this plan is secondary to any other coverage.
  3. Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
  4. Charges must be administered or ordered by a physician.
  5. Charges must be incurred during the Period of Coverage or the Benefit Period.
  6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Eligibility

The following conditions apply to all persons applying for and/or enrolling in Patriot Adventure.

  • For coverage while participating in any of the covered adventure sports activities, you must be medically and physically fit to engage in such activity and hold the necessary qualifications as approved by the applicable Governing Body or Authority.
  • Patriot Adventure is travel insurance for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country.

Extension of Coverage

Patriot Adventure can be rewritten for succeeding or subsequent periods but is not renewable. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application must also be completed.

Quality Guarantee

Your satisfaction is very important to IMG. If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium. You may cancel your plan after your effective date if you do not have any claims filed with IMG, however, the following conditions will apply: 1) you will be required to pay a $50 cancellation fee and 2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is nonrefundable.

 

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  • "We never imagined that we would need the plan to help with a medical emergency like the one we experienced in Vietnam. We feel so very fortunate to have received the coverage and the emotional support that IMG gave us during this harrowing time."
    Robin B. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.