Patriot Travel Medical Insurance

Temporary health insurance for individuals, families, and groups

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Summary of Benefits

Plan Information
 
Maximum Limits $50,000, $100,000, $500,000, $1,000,000
Individual Deductible Options $0, $100, $250, $500, $1,000, $2,500
Coinsurance for treatment received outside the U.S. Company pays 100%
Coinsurance for treatment received in the U.S. In the PPO network: Company pays 100%
Out of the PPO network: Company pays 80% of eligible expenses up to $5,000, then 100%
Incidental Trips to Home Country 14 consecutive days maximum limit
Insured person’s country of residence is not the U.S.
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
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Hospitalization/Room & 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/Services Up to the maximum limit
Radiology/X-ray Up to the maximum limit
Prescriptions
(Dispensing limit per prescription: 90 days)		 Up to the maximum limit
Home Nursing Care
(Upon direct transfer from an acute care facility)		 Up to the maximum limit
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission)		 Up to the maximum limit. Subject to deductible and coinsurance
Durable Medical Equipment Up to the maximum limit
Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Medical Evacuation
(Must be approved in advance and coordinated by the company) 		$1,000,000
Emergency Reunion
(Must be approved in advance by the company) 		$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial
(Must be approved in advance by the company) 		Up to the 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
Return of Minor Children
(Must be approved in advance by the company) 		$100,000 maximum limit. Not subject to deductible
Political Evacuation & Repatriation
(Must be approved in advance by the company) 		$100,000 maximum limit. Not subject to deductible
Natural Disaster Evacuation Must be approved in advance by the company $25,000 maximum limit. Not subject to deductible.
Terrorism $50,000 maximum limit. Not subject to deductible
Acute Onset of Pre-Existing Conditions
(Insured person must be under 70 years of age) (Patriot International only) 		United States citizens:
Age 64 and under without a primary health plan:
  • Maximum limit: $20,000
Age 64 and under with a primary health plan:
  • Up to the period of coverage limit
Age 65 through age 69:
  • Maximum limit: $2,500
Non-United States citizens:
Age 69 and under:
  • Up to the period of coverage limit or $1,000,000 (whichever is lower)
$25,000 maximum limit for emergency medical evacuation
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy
(Medical order or treatment plan required) 		Up to the maximum limit
Hospital Emergency Room
(Outside the U.S.) 		Up to the maximum limit
Hospital 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
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common Carrier Accidental Death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident $50,000 principal sum. Not subject to deductible.
Identity Theft $500 maximum limit. Not subject to deductible
Trip Interruption $10,000 maximum limit. Not subject to deductible
Lost Luggage $50 per item, $500 maximum limit. Not subject to deductible
Eligible Medical Expenses Up to the maximum limit
Bedside Visit
Hospitalized in an intensive care unit 		$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital Facility Up to the maximum limit
Laboratory Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan 		Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Chiropractic Care
Medical order or treatment plan required 		Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility 		Up to the maximum limit
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission 		Company pays 100%
Traumatic Dental Injury
Treatment at a hospital due to an accident 		Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident 		$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Personal Liability
Secondary to any other insurance 		$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return
For a pet cat or dog traveling with the insured person 		$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person 		$500 maximum limit. Not subject to deductible.
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Coverage Information

Eligibility

Patriot International insurance is available for those traveling outside of the United States and Patriot America is available for non-U.S. residents whose travels include the United States. You must pay the required premium on or before the effective date of coverage and must have legally entered your destination country on the effective date. All applicants must be at least 14 days old, and cannot be HIV+, pregnant, hospitalized, or disabled on the plan effective date. 

Enrollment

To apply for this plan, simply complete the online application by clicking "Get Quote". If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for coverage. If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG.

Renewal and Extensions

Subject to the terms of the plan, Patriot Travel Medical Insurance can be extended for a minimum of five days up to a 365-day period, until reaching a maximum of 24 continuous months. Prior to the end of each period of coverage purchased, you will receive renewal information. You have the option to renew online or you may complete a paper renewal form. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage.

Ideal for Traveling Outside of Your Home Country

Patriot Travel

America
 Most Popular
Most Popular

Patriot Plus

America
 Recommended
Recommended

Patriot Platinum

America
Maximum LimitUp to $1,000,000Up to $1,000,000Up to $8,000,000
Deductible$0 to $2,000$0 to $2,000$0 to $25,000
Extensions24 months24 months36 months
Emergency Medical Evacuation$1,000,000$1,000,000Up 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   
Remote Transportation   
Supplemental Accident   
 

* Up to policy maximum if contracted and treatment is provided after the policy effective date

Patriot Travel

International
 Recommended
Recommended

Patriot Platinum

International
Maximum LimitUp to $1,000,000Up to $8,000,000
Deductible$0 to $2,000$0 to $25,000
Extensions24 months36 months
Emergency Medical Evacuation$1,000,000Up to maximum limit
Acute Onset of Pre-Existing Conditions  
Remote Transportation  
Supplemental Accident  
 

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
 

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