Even the most careful travelers aren't immune to car accidents, natural disasters, or political unrest, and other unforeseen events. Most travelers assume they will be covered by their existing medical insurance plan, but that just isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Your vacation can transform from delightful to dire if you are unprepared for a medical emergency while away from home.

Our vacation insurance plans are perfect for:

International vacationers and travelers
Cruises
Safaris & guided tours

Patriot International Lite^SM provides coverage while traveling outside your home country where the destination excludes the United States or its territories (limited coverage for brief returns to the United States or its territories). Patriot America Lite^SM provides coverage while traveling outside your home country where the destination includes the United States or its territories.

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For Vacations & Holidays

iTravelInsured Travel SE

Family-friendly plan for domestic and international destinations

Highlights

Family-friendly plan for domestic and international destinations
Trip cancellation maximum benefit up to 100% of trip cost
Trip interruption maximum benefit up to 150% of trip cost
Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
$500,000 maximum benefit for medical evacuation and repatriation of remains

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Trip Protection

Medical Benefits

Recommended

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

Highlights

COVID-19 coverage for travelers to the U.S.
Coverages for inside and outside the U.S.
( Patriot America Platinum / Patriot International Platinum )
Short-term travel medical coverage
Coverage for individuals, groups, and their dependents
Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
Freedom to seek treatment with hospital or doctor of your choice

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Trip Protection

Medical Benefits

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups

Highlights

Coverages for inside and outside the U.S.
( Patriot America Lite / Patriot International Lite)
Short-term travel medical coverage
Coverage for individuals, groups, and their dependents
Available in daily and monthly rates
Freedom to seek treatment with hospital or doctor of your choice

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Trip Protection

Medical Benefits

Additional Plans
For Vacations & Holidays

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the United States.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

iTravelInsured Travel Insurance

Insurance that covers trip cancellation, travel delays and other losses incurred while travelling.

GlobeHopper Senior

Temporary health insurance for travelers age 65+ when traveling outside of your home country.

iTravelInsured Essential

Limited travel protection with cost effective coverage

Recent Blog Articles

Top 10 Tips for International Travelers by International Travelers - Guided Giveaway

Mar 23, 2017, 15:23 PM by Alec Synnestvedt

What’s the best advice for international travelers? Well, we asked and our Facebook followers answered!

IMG held its Guided Giveaway essay contest March 6-10, seeking insight from fellow international travelers. Ten winners were selected for their answers, which were scored based on creativity, style, practicality and novelty.

Next time you book an international trip, keep their tips in mind!

Top Ten Tips for International Travelers

“When traveling to an international destination, consult with the embassy of the country you’re visiting to make sure you are aware of any concerns, and be updated on current vaccinations.” – Thomas G.

“Always have a photocopy of important documents such as passports in case the original gets lost or stolen. It would make it easier to replace the original much faster when you go to your embassy as the photocopy will contain sufficient information.” -Jordan M.

“When traveling internationally, make sure you have enough time between connections to ensure you make it to your next flight. Always go for 1 -2 hours of connection time. It will ensure you an easy flight!” – Luisa L.

“You took time to plan the trip, now take a moment to plan for the unexpected. Never leave home without international medical coverage from IMG.” – Ingrid A.

“A smile knows no language boundaries.” – Amy T.

“Go with a sense of adventure. Museums, churches and castles are fine to see but you won't get a real sense of the culture until you mix with the locals. Rent a car and drive through the countryside. Stay at local B&Bs and strike up conversations with people you meet. Travel is for making unique memories, not ticking off attractions in a travel guide.” – Cynthia C.

“Be sure to get a credit card with no international fees. This can save you a bundle, and you will not have to carry as much cash. In addition, take a photocopy of your passport, and carry it separately, perhaps in your carry-on. If your passport is lost, it is much easier to get a replacement, in the event, God forbid, yours is lost or stolen.” – Lynne C.

“When we went to Jamaica, I packed for every possible thing that could happen. My advice is to pack light because you will never need half of what you take, and buying clothing and souvenirs in another country is so much more fun and creates memories that last so much longer! Less is more.” – Heidi K.

“Start your adventure with an open mind. Things may be very different than what you are used to at home — customs, food, manners, celebrations, money, bathrooms, hotel rooms, train travel and the like. This is your chance to try something new. Be kind, friendly and do your best to communicate and people will help you along the way. Enjoy the journey and you will come home a changed person with a new world view.” – Jennifer S.

“The first thing I do when arriving at a hotel overseas is take a business card from the front desk. That way, if I ever get lost, I have the name and address of the hotel in the local language. Large populations around the world speak English, but having something in a local language that I can show locals and taxi drivers is an extra bit of insurance.” – Sandy K.

Frequently Asked Questions

What country do I select as my primary destination if I'm visiting several countries?

If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

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.

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.

Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Trip Cancellation*	100% of Trip Cost
Trip Interruption**	150% of Trip Cost
Trip Delay	$2,000 ($125 Per day per person After Initial Delay of 12 Hours)
Change Fee	Up to $150 Per person
Frequent Traveler Reward	Up to $75 Per person
Rental Car Damage And Theft Coverage	Up to $40,000 Per Covered Vehicle
Missed Trip Connection	$500 (Per person After Initial Delay of 6 Hours)
Pet Kennel	$100 Per Day ($300 Max Per Pet)
Medical Evacuation and Repatriation of Remains	Up to $500,000 Per person
Baggage & Personal Effects Replacement of Passport, Visa or Other Travel Documents	$1,500 ($250 Max Per Item) Included
Baggage Delay	Up to $250 (After Initial Delay of 12 Hours)
Accident & Sickness Medical and Dental Expense Dental Expense Sublimit $1,000	Up to $250,000 $1,000 Per Trip
Pre-Existing Medical Condition Exclusion Waiver Available	If Purchased Within 20 Days of the Date Your Initial Trip Payment or Deposit is Received
Accidental Death and Dismemberment Common Carrier	$25,000
Exposure	Included
Disappearance	Included
Coverage Type	Primary

Maximum Limits	Up to $8,000,000
Deductible	$0 to $25,000
Extensions	Up to 36 continuous months
Emergency Medical Evacuation	Up to maximum limit
Coinsurance for treatment received outside the U.S. (International)	100% up to the maximum limit
Coinsurance for treatment received in the U.S. (America)	In the PPO network: 100% up to the maximum limit Out of the PPO network: 90% up to $5,000, then 100%
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
COVID-19 / SARS-CoV-2 Coverage	COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Acute Onset of Pre-Existing Conditions	Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation
Travel Intelligence	Included
Telehealth	Included
Evacuation Plus	Included
Eligible Medical Expenses	Up to the maximum limit
Eligible Medical Expenses	Up to the maximum limit
Physician Visits/Services	Up to the maximum limit
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
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 Emergency Room (Outside the U.S.)	Up to the maximum limit
Hospitalization/Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care	Up to the maximum limit
Bedside Visit (Hospitalized in an intensive care unit)	$1,500 maximum limit. Not subject to deductible.
Remote Transportation	$5,000 per period; $20,000 lifetime maximum
Supplemental Accident	$300 per covered accident
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Laboratory	Up to the maximum limit
Radiology / X-ray	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Surgery	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
Durable Medical Equipment	Up to the maximum limit
Chiropractic Care Medical order or treatment plan required	Up to the maximum limit
Physical Therapy (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
Home Nursing Care (Upon direct transfer from an acute care facility)	Up to the maximum limit
Prescription Drugs and Medications (Dispensing limit per prescription: 90 days)	Up to the plan maximum limit, may not exceed $250,000
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	Up to the maximum limit. Subject to deductible and coinsurance
Emergency Reunion (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission	IMG pays 100%
Natural Disaster Evacuation Must be approved in advance by the company	$25,000 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
Return of Minor Children (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
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident	$50,000 principal sum. 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
Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
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.
Hospital Indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Identity Theft	$500 maximum limit. Not subject to deductible
Lost Luggage	$50 per item, $500 maximum limit. Not subject to deductible
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
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.
Terrorism	$50,000 maximum limit. Not subject to deductible
Return Travel	$10,000 maximum limit. Not subject to deductible

Maximum Limits	Up to $1,000,000
Individual Deductible Options	$0 to $2,500
Extensions	Up to 24 continuous months
Emergency Medical Evacuation (Must be approved in advance and coordinated by the company)	$1,000,000
Coinsurance for treatment received outside the U.S. (International)	100% up to the maximum limit
Coinsurance for treatment received in the U.S. (America)	In the PPO network: 100% up to the maximum limit Out of the PPO network: 80% up to $5,000, then 100%
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
COVID-19 / SARS-CoV-2 Coverage (Not available on the Patriot America Lite plan)	COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Acute Onset of Pre-Existing Conditions (Insured person must be under 70 years of age) (Patriot International Lite 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
Eligible Medical Expenses	Up to the maximum limit
Physician Visits/Services	Up to the maximum limit
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
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 Emergency Room (Outside the U.S.)	Up to the maximum limit
Hospitalization/Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care	Up to the maximum limit
Bedside Visit (Hospitalized in an intensive care unit)	$1,500 maximum limit. Not subject to deductible.
Remote Transportation	$5,000 per period; $20,000 lifetime maximum
Supplemental Accident	$300 per covered accident
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Laboratory	Up to the maximum limit
Radiology / X-ray	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Surgery	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
Durable Medical Equipment	Up to the maximum limit
Chiropractic Care Medical order or treatment plan required	Up to the maximum limit
Physical Therapy (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
Home Nursing Care (Upon direct transfer from an acute care facility)	Up to the maximum limit
Prescription Drugs and Medications (Dispensing limit per prescription: 90 days)	Up to the plan maximum limit, may not exceed $250,000
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	Up to the maximum limit. Subject to deductible and coinsurance
Emergency Reunion (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission	IMG pays 100%
Natural Disaster Evacuation Must be approved in advance by the company	$25,000 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
Return of Minor Children (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
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident	$50,000 principal sum. 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
Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
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.
Hospital Indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Identity Theft	$500 maximum limit. Not subject to deductible
Lost Luggage	$50 per item, $500 maximum limit. Not subject to deductible
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
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.
Terrorism	$50,000 maximum limit. Not subject to deductible
Return Travel	$10,000 maximum limit. Not subject to deductible

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Recent Blog Articles

Top 10 Tips for International Travelers by International Travelers - Guided Giveaway

Top Ten Tips for International Travelers

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