Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Enterprise Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesWhat type of organization do you represent?
Medical & Travel
Assistance
Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.
Global Workers' Compensation Case Management
Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
Security Assistance
Services
Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.
Insurance Administrative
Services
You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.
Patriot Platinum Travel Medical Insurance
Temporary first-class health insurance for individuals, families, and groups
Summary of Benefits
Coverage Information
Conditions of Coverage
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- 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 this plan:
- This is travel medical insurance for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country
- For those 65 years of age and older and visiting the U.S., your initial period of coverage must begin within 30 days of arrival in the U.S. This requirement will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your insurance carrier on the application form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your application form
Renewal of Coverage
If your plan is purchased for a minimum of one month, coverage may be renewed (unless there is a break in coverage) for a total of up to three years. Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12 month coverage period. Please note: Renewal rates may differ from initial rates.
- Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the Patient Protection and Affordable Care Act (PPACA)
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.
Ideal for Traveling Outside of Your Home Country
![]() Patriot LiteAmerica |
![]() Patriot PlusAmerica |
![]() Patriot PlatinumAmerica | |
---|---|---|---|
Maximum Limit | Up to $1,000,000 | Up to $1,000,000 | Up to $8,000,000 |
Deductible | $0 to $2,500 | $0 to $2,500 | $0 to $25,000 |
Extensions | 24 months | 24 months | 36 months |
Emergency Medical Evacuation | $1,000,000 | $1,000,000 | Up to maximum limit |
Coinsurance ( In Network ) | 100% | 100% | 100% |
Coinsurance ( Out of Network ) | 80% up to $5,000 - then 100% | 80% up to $5,000 - then 100% | 90% up to $5,000 - then 100% |
COVID-19 Coverage* | |||
Acute Onset of Pre-Existing Conditions | |||
Travel Intelligence | |||
Telehealth | |||
Evacuation Plus | |||
* Up to policy maximum if contracted and treatment is provided after the policy effective date
![]() Patriot LiteInternational |
![]() Patriot PlatinumInternational | |
---|---|---|
Maximum Limit | Up to $1,000,000 | Up to $8,000,000 |
Deductible | $0 to $2,500 | $0 to $25,000 |
Extensions | 24 months | 36 months |
Emergency Medical Evacuation | $1,000,000 | Up to maximum limit |
Coinsurance | 100% up to the maximum limit | 100% up to the maximum limit |
Incidental Emergency in the U.S. | Up to 2 weeks | Up to 2 weeks |
COVID-19 Coverage* | ||
Acute Onset of Pre-Existing Conditions | ||
Travel Intelligence | ||
Telehealth | ||
Evacuation Plus | ||
* Up to policy maximum if contracted and treatment is provided after the policy effective date

All Patriot Series Plans Include...
Inpatient & Outpatient Services
- Physician Visits
- Urgent Care Clinic
- Emergency Room
- Intensive Care
Emergency Services
- Local Ambulance
- Natural Disaster Evac
- Return of Mortal Remains
- Return of Minor Children
Other Services
- Accidental Death & Dismemberment
- Dental Treatment
- Emergency Eye Exam
- Lost Luggage
- Identity Theft
- Pet Return
- Prescription Medication