Patriot Travel Medical Insurance

Temporary health insurance for individuals, families and groups

Summary of Benefits

Plan Information
Maximum Limits $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (Patriot International only)
Individual Deductible options $0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S. No Coinsurance (0%)
Coinsurance - for treatment received within the U.S. In the PPO Network - Company pays 90% of eligible expenses up to $5,000, then 100%
Out of the PPO Network - Company pays 80% of eligible expenses up to $5,000, then 100%
Continuation of Treatment Period Six months per injury or illness
Incidental Trips to Home Country 14 consecutive days maximum limit
Incidental Emergency Coverage in the U.S. (Patriot International Only) 14 consecutive days maximum limit. Available only for a covered emergency medical evacuation, or an emergency injury or illness that manifested during travel through the United States to or from the Host Country
End of Trip Home Country Coverage One month for every six months of travel coverage purchased, up to a maximum of two months. (Individual plan only)
Pre-Certification Fifty percent (50%) reduction of Eligible Medical Expenses if pre-certification provisions are not met.
Continuation of Treatment Six months per injury or illness
Hospital Room and Board Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive Care Up to the maximum limit
Surgery Up to the maximum limit
Physician Visits Up to the maximum limit
Diagnostic Procedures Up to the maximum limit
Prescription Medication Up to the maximum limit
Home Health Care Up to the maximum limit
Emergency Local Ambulance Up to the maximum limit
Durable Medical Equipment Up to the maximum limit
Emergency Room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency Dental Treatment $100 maximum limit due to accident or unexpected pain to sound natural teeth.
Emergency Medical Evacuation $500,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Emergency Reunion $50,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Return of Mortal Remains or Cremation/Burial $50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Return of Minor Children $50,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Political Evacuation $10,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the Company.
Natural Disaster Up to $100 per day and five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 lifetime maximum. Not subject to deductible.
Acute Onset of a Pre-existing Condition prior to age 70 - Medical (Patriot International Only) U.S. citizen up to age 65 with primary health plan: Up to maximum limit.
U.S. citizen up to age 65 without primary health plan: $20,000 lifetime maximum.
U.S. citizen age 65+: $2,500 lifetime maximum.
Non-U.S. citizen up to age 69: Up to maximum limit or $500,000 - whichever is lower.
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation (Patriot International Only) Up to age 65: $25,000 maximum limit
Hospital Indemnity Up to $100 per overnight up to a maximum of 10 overnights. Not subject to deductible.
Common Carrier Accidental Death $50,000 per insured person and $250,000 Maximum limit per lifetime and per Family. Not subject to deductible.
Accidental Death & Dismemberment $25,000 principal sum. Not subject to deductible.
Identity Theft Assistance Up to $500. Not subject to deductible.
Trip Interruption Up to $5,000. Not subject to deductible.
Lost Luggage Up to $50 per item; maximum of $250. Not subject to deductible.

Coverage Information

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

AgeLifetime Maximum

Enhanced AD&D Rider

(Individuals Only)

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.

Citizenship Return Rider

When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected.

Chaperone/Faculty Leader Replacement Rider

(Groups Only)

Groups may purchase the Chaperone/Faculty Leader Replacement Rider 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 relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.

Evacuation Plus Rider

This optional rider is available to insureds up to age 65.  It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.  This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation Up to a maximum of $25,000
Natural Disaster Evacuation Up to a maximum of $5,000


This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Important Notice Regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA compliant coverage but do not do so. 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 PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine if PPACA is applicable to them, and the Company and IMG shall have no liability to any person whatsoever for their failure to obtain or maintain PPACA compliant insurance coverage.


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  • "Although one hopes never to use travel insurance, IMG was a god-send throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. 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.