5 Tips Before You Travel Overseas for Business

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Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
Travel insurance program for trips up to 31 days
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Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip insurance plan for individuals, families and groups

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Annual multi-trip travel medical insurance for individuals, families and groups
Deductible of $250
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Flexibility to travel as many times per year

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The Global Employer's Option - GEO Group

Worldwide employer-sponsored group health insurance

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Employer-sponsored group health insurance for internationally assigned employees
Dental, disability and life insurance available
Full group takeover and replacement provision
Qualifies as Minimum Essential Coverage (MEC)
Universal Rx pharmacy discount savings
Optional telemedicine benefits for physical and mental health

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Recent Blog Articles

5 Tips Before You Travel Overseas for Business

Mar 23, 2017, 12:23 PM by Alec Synnestvedt

With so many disparate factors to consider, making arrangements for international business travel can seem overwhelming. However, by following a few simple guidelines, you can ensure that you have a productive and rewarding trip.

Investigate the financial logistics

Currency exchange

All international airports have currency exchange bureaus, and many full-service hotels will exchange limited amounts of cash as well, but these options often carry significant fees.

If you are going to need a decent reserve of currency for your trip, consider checking with your bank at home. They may have to order foreign currency from an off-site location, but if you plan in advance and approach them with enough time, this is often a cheaper option.

Credit cards

Keep in mind that credit card acceptance can vary greatly across nations and regions. Also, if you will be using a company credit card, know that many smaller, international merchants only accept Visa and MasterCard, so you may have to make other arrangements. If you’re using your own personal credit card, be sure to check online or with your bank before your trip on the card’s foreign transaction fees.

Cash availability (ATMs)

If you plan on withdrawing additional cash during your trip, it can be helpful to know the availability of ATMs at your destination. Most large banks have partnerships with international organizations, meaning you can often use their ATMs to avoid withdrawal fees. Check your bank’s website for more details.

Create an itinerary you can use as a guideline

To get the most out of your trip, decide beforehand if you have time to split your schedule between business and leisure. If so, block out specific times for work and sightseeing, and try to stick to them as much as possible.

Check your electronic needs

If your phone doesn’t currently have an international plan included in your service, you may want to activate one in order to reduce roaming charges. Additionally, make sure you have an international power adapter specific to the region you will be visiting, and check that it fits your devices’ chargers.

Plan your luggage based on need and capacity

Your employer’s travel policy may not cover extras such as baggage fees, so you may need to pack as lightly as possible, while simultaneously allowing enough space for your business clothes to avoid serious wrinkling.

Be sure to also research the types of clothing that are culturally appropriate in your destination so your attire doesn’t draw unwanted attention to yourself.

Make your health and safety a priority

The costs and logistics of health care are unique to every county, and trusting that your domestic health insurance policy will cover you internationally could leave you in dire medical or financial straits.

Purchasing a short-term travel medical insurance plan from IMG can ensure you are covered in the event of a medical emergency during your trip.

You should also investigate options for travel insurance, which can protect your trip investment, while providing emergency medical and dental benefits.

Whatever your preference, be sure to research your options so you can worry less and experience more on your next business trip.

Frequently Asked Questions

Where can I seek medical help?

With an international health plan from IMG, you have medical coverage worldwide. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area.

Do I get my money back if I cancel my trip?

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your plan. Additional terms apply. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional cost and terms apply. Not available in NY.**

Does my credit card or domestic medical insurance policy cover my travel expenses?

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

What is the definition of a "Qualified Expatriate"?

To qualify as an “expatriate health plan,” substantially all of the primary enrollees must be “qualified expatriates.” A “qualified expatriate” is a primary insured meeting all of the following:

Qualified Expatriates in the U.S.:

The individual’s skills, qualification, job duties, or expertise is of a type that has caused the employer to assign him to the U.S. for a specific temporary purpose or assignment tied to employment; and

In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country);

Qualified Expatriates Outside of the U.S.:

The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. For purposes of the definition, “U.S.” includes the 50 states, D.C., and Puerto Rico.

There are also special provisions for members 501(c)(3) and 501(c)(4) organizations who are traveling or relocating internationally for the organization, including students and religious missionaries.

Expatriate Health Plans are Minimum Essential Coverage

Expatriate health plans qualify as minimum essential coverage. This means that an expatriate health plan will satisfy the employer mandate and the enrollee’s individual mandate.

Employers are Still Subject to §6055/§6056 Reporting and Cadillac Tax on Certain Expatriates

The exemption from ACA requirements does not apply for the new health information reporting requirements for the beginning of 2016.

However, the information statements (primarily the Forms 1094-C and 1095-C for employers) may be provided electronically to individuals covered under an expatriate health plan even if the individual has not consented to electronic distribution (as long as the individual has not explicitly refused electronic distribution).

Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S.

Effective Date

These provisions related to expatriate health plans apply to expatriate health plans issued or renewed on or after July 1, 2015.

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.

How long does it take to process my application and receive my ID card and other documents?

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.

Maximum Limit	$1,000,000
Maximum Limit for travelers age 70-75	$50,000
Deductible	$250 per insured person for each covered illness. This deductible is waived for claims incurred as a result of a covered accident
Coinsurance	For treatment received outside the U.S.: 100% For treatment received within the U.S.: In the PPO Network: The plan pays 100% of eligible expenses Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
Benefit Period	If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the thirty day Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than thirty days before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the $5,000 Maximum Limit, proof of current medical insurance and the other terms of the plan, until there have been thirty days of continuous coverage for the covered injury or illness.

Hospital Room and Board	Up to the Maximum Limit for average semi-private room rate
Intensive Care	Up to the Maximum Limit
Medical Expenses	Up to the Maximum Limit
Out-patient Medical	Up to the Maximum Limit
Local Ambulance	Up to the Maximum Limit
Emergency Room Accident	Up to the Maximum Limit
Hosptial 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. Outside U.S.: Up to the maximum limit
Dental	Injury due to an accident: The plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit. Sudden dental emergency: The plan pays up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical	The plans cover up to $5,000 maximum, per insured person, per period of coverage (not per trip), for the Sudden and Unexpected Recurrence of a Pre-existing Condition (as defined in the Certificate of Insurance).
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation	Up to $25,000 is payable for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a Sudden and Unexpected Recurrence of a Pre-existing Condition.
Hospital Daily Indemnity (for U.S. citizens only)	Up to $100 per night up to a maximum of 10 days Patriot Multi-Trip International pays $100 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit.

Emergency Evacuation	Up to the Maximum Limit (not subject to deductible) The Patriot Multi-Trip plan offers coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. The plan pays up to the Maximum Limit for covered incidents for insured persons under age 66; and up to $50,000 for covered incidents for insured persons from ages 66 to 75.
Emergency Reunion	Up to $50,000 The Patriot Multi-Trip plan also offers emergency reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.
Interfacility Ambulance Transfer	Company pays 100%. Not subject to deductible. Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission.
Return of Mortal Remains	Up to $50,000 If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000.
Return of Minor Children	Up to $50,000 (not subject to deductible) If an insured person is admitted to the hospital in-patient due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Multi-Trip plan will reimburse up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).
Political Evacuation	Up to $10,000 If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that: The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, issuance of the evacuation order; and The evacuation order pertains to persons from the same Home Country as the Insured Person; and Political Evacuation and Repatriation is approved and coordinated by the Company; In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.

Common Carrier Accidental Death	$50,000 to Beneficiary; maximum of $250,000 per family If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, up to a maximum of $250,000 per family.
Sports & Activities Coverage	Up to the Maximum Limit for basic sports as described below Each Patriot Multi-Trip plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activites (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized, sponsored and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee, and/or Adventure Sports. Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.
Accidental Death & Dismemberment	$25,000 principal sum The Patriot Multi-Trip plan offers a $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the period of coverage: • Accidental Loss of life - principal sum • Accidental Loss of two Members - principal sum • Accidental Loss of one Member - 50% of principal sum. “Member” means hand, foot or eye.
Terrorism Coverage	$50,000 lifetime maximum The Patriot Multi-Trip plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered. This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.
Identity Theft Assistance	Up to $500 per Period of Coverage If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order impersonate or obtain credit, merchandise or services in the insured person's name, the Patriot Multi-Trip plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen indentity event; notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and /or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person's knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event. The identity theft event must occur during the Period of Coverage.
Trip Interruption	Up to $5,000 If, during a covered trip, there is an Unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Multi-Trip plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.
Lost Luggage	Up to $50 per item of luggage; maximum of $250 A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.

Calendar Year	Maximum Limit: 365 days
Lifetime Maximum Per Insured	$50,000 - $8,000,000
Extension of Benefits	Maximum Limit beginning on the first day of Total Disability, temporary layoff or leave of absence: 180 days Maximum Limit for a Spouse/or Dependent in the event of the Insured Person’s death: 60 days
Continuation of Benefits	Maximum Limit after termination of employment: 12 months Refer to the Continuation Provision in this Certificate for complete qualification details
Medical Concierge Non-emergency services only	The Medical Concierge Service is a proprietary service of IMG that helps an Insured Person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain Outpatient Treatments. Refer to the MEDICAL CONCIERGE provision for further details.

Benefit Levels	United States Medical Concierge	United States In-Network	United States Out-of-Network	International International
Deductible	$0 - $25,000 Deductible reduced by 50% or $2,500: PPO, Outpatient Treatment, Emergency Inpatient Treatment, Medical Concierge Provider
Family Deductible	Maximum 3 Deductibles per Family
Coinsurance In addition to Deductible	Plan pays 100% Insured pays 0%	Plan pays 100% Insured pays 0%	Plan pays 80% Insured pays 20%	Plan pays 100% Insured pays 0%
Out of Pocket Maximum	$0	$0	$1,000	$0
Precertification	Transplants: No coverage if Precertification requirements are not met. Interfacility Ambulance Transfer: No coverage if Precertification requirements are not met. Maternity and Newborn care: 50% penalty if not Precertified within 60 days of delivery. Emergency Medical Evacuation: No coverage if Precertification requirements are not met. Refer to the EMERGENCY MEDICAL EVACUATION provision for complete requirements and coverage. All other Treatments & supplies: 50% reduction of Eligible Medical Expenses if Precertification requirements are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Refer to Precertification REQUIREMENTS provision for a complete list of services that require Precertification .

Benefit	Medical Concierge (Non-emergency)	In-Network	Out-of-Network	International
Eligible Medical Expenses	100%	100%	80%	100%
Physician Visits / Services	100%	100%	80%	100%
Hospital Emergency Room 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 a direct Hospital admission	100%	100%	80%	100%
Hospitalization / Room & Board United States: Average private room rate International: Average private room rate up to a maximum of 150% of the average semi- private room rate Includes nursing services, miscellaneous and Ancillary Services	100%	100%	80%	100%
Intensive Care	100%	100%	80%	100%
Outpatient Surgical / Hospital Facility	100%	100%	80%	100%
Laboratory	100%	100%	80%	100%
Radiology / X-ray	100%	100%	80%	100%
Pre-admission Testing	100%	100%	80%	100%
Reconstructive Surgery Surgery is incidental to and follows Surgery that was covered under the plan	100%	100%	80%	100%
Assistant Surgeon 20% of the primary surgeon’s eligible fee	100%	100%	80%	100%
Anesthesia	100%	100%	80%	100%
Pregnancy and Childbirth After 10 consecutive months of coverage	100%	100%	80%	100%
Pregnancy Complications After 10 consecutive months of coverage	100%	100%	80%	100%
Newborn and Congenital Disorders Lifetime Maximum: $250,000 First 31 days of life Eligible when the Newborn’s birth is covered under this plan	100%	100%	80%	100%
Durable Medical Equipment Prescribed by a Physician	100%	100%	80%	100%
Chiropractic Care Not subject to Deductible or Coinsurance Maximum per visit: $25 Maximum visits: 20 Prescribed by a Physician	Not Applicable	100%	100%	100%
Physical Therapy Maximum Charge per Visit: $50 Prescribed by a Physician	Not Applicable	100%	80%	100%
Extended Care Facility Upon direct transfer from an acute care Facility	100%	100%	80%	100%
Home Nursing Care Provided by a Home Health Care Agency Upon direct transfer from an acute care Facility	100%	100%	80%	100%
Hospice Terminally ill - 6 months to live Inpatient Hospice Facility Insured Person’s home	Not Applicable	100%	80%	100%
Transplant Lifetime Maximum: $1,000,000 Calendar Year Transplant Maximum: 1 Organ procurement & harvesting costs Lifetime Maximum: $10,000 Travel & lodging Lifetime Maximum expense: $5,000 Covered Transplants: cornea, heart, heart/lung, lung, kidney, kidney/pancreas, liver, allogeneic or autologous bone marrow Subject to the TRANSPLANT Precertification provision and only when Treatment is provided within the Company’s approved independent Managed Transplant System Network	100%	100%	80%	100%

Calendar Year Maximum Limit	$1,000 - $1,500
Lifetime Orthodontia Maximum Limit	$1,000 - $1,500
Deductible Applies to Minor and Major Restorative Services	$50
Family Deductible Maximum Deductibles per Family: 3	$150

Benefit	Coinsurance
Diagnostic and Preventative Services Preventative visits and cleanings: 2 (1 every 6 months) Radiographic examinations: 2 (including posterior bitewings; 1 every 6 months) Fluoride Treatment Maximum Limit: 1 (Children under 19 years of age)	Plan Pays 100% Insured Pays 0%
Emergency Palliative Treatment	Plan Pays 100% Insured Pays 0%

Benefit	Coinsurance
Minor Restorative Services Refer to the ELIGIBLE DENTAL EXPENSES provision for further details	Plan Pays 80% Insured Pays 20%
Oral Surgery	Plan Pays 80% Insured Pays 20%
Endodontics	Plan Pays 80% Insured Pays 20%
Periodontics Root planning Maximum Limit: 1 every 2 years Periodontal Surgery Maximum Limit: 1 every 3 years	Plan Pays 80% Insured Pays 20%
Radiographs Maximum Limit: 1 every 3 years Full mouth x-rays including panographic x-rays	Plan Pays 80% Insured Pays 20%

Benefit	Coinsurance
Major Restorative Services Crowns, Jackets, Inlays on same tooth Maximum Limit: 1 every 5 years Adults and Children older than 12 years of age Refer to the ELIGIBLE DENTAL EXPENSES provision for further details	Plan Pays 50% Insured Pays 50%
Prosthodontics Dentures / Bridge Maximum Limit: 1 every 5 years Replacement of denture base material or reline Maximum Limit: 1 every 3 years Refer to the ELIGIBLE DENTAL EXPENSES provision for further details	Plan Pays 50% Insured Pays 50%

Benefit	Coinsurance
Orthodontia Children less than 19 years of age	Plan Pays 50% Insured Pays 50%

Remote Mental Health Service	Optional telemedicine for mental health that offers support with financial, physical, and emotional wellbeing. Whether you have questions about handling stress at work or home, parenting and childcare, managing money or health issues, you can turn to this valuable and confidential service that you can trust.
Teleconsultation**	Optional online and telephonic access to a network of medical professionals available to diagnose treat and prescribe for non-emergency medical issues. The best medicine brought to you and your family 24 hours a day, seven days a week.

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Recent Blog Articles

5 Tips Before You Travel Overseas for Business

Investigate the financial logistics

Currency exchange

Credit cards

Cash availability (ATMs)

Create an itinerary you can use as a guideline

Check your electronic needs

Plan your luggage based on need and capacity

Make your health and safety a priority

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