IMG travel insurance provides short term travel medical insurance coverage to anyone traveling outside their home country. It provides the valuable coverage to foreign visitors to the U.S., U.S. residents traveling abroad as well as anyone traveling outside their country of residence.
In addition to provide medical coverage while abroad, IMG travel insurance generally provides coverage for emergency medical evacuation, repatriation of remains, loss of checked luggage, accidental death & dismemberment coverage and many other valuable benefits.
Visitors to USA
The Patriot series of travel medical insurance is the most popular IMG travel insurance.
Patriot America insurance can be purchased by non-U.S. residents traveling to the U.S. and other countries. It generally covers any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover pre-existing medical conditions.
To cater to the specific market of elderly visitors to the USA, Patriot America Plus provides the coverage for acute onset of pre-existing conditions for persons under the age of 70 years, in top of all the benefits that Patriot America insurance provides.
Both Patriot America and Patriot America Plus participate in First Health PPO network in the U.S., this network has an extensive number of providers throughout the U.S. that recognize the PPO network, bill the insurance company directly and also charge you the network negotiated fees. That makes them a very convenient cashless billing travel medical insurance plans.
After paying the deductible once per the policy period, both Patriot plans cover 100% up to the policy maximum within the PPO network. They also provide a convenient Rx discount card.
In addition to the comprehensive plans listed above, IMG travel insurance also has a plan called Visitors Care which is a fixed coverage plan, which is a low cost travel medical insurance and pays a fixed amount for each and every procedure, leaving you to pay the difference out of your pocket. Visitors Care is a plan specifically designed to cater to the price sensitive market that often compares the travel insurance plans from their home country, which are typically only fixed coverage plans for elderly travelers.
Travel Outside USA
U.S. residents as well as non-U.S. residents traveling outside their home country and outside the U.S. can purchase Patriot International insurance. After paying the deductible, it pays 100% up to the policy maximum. You can visit any doctor or hospital of your choice.
If you were to get seriously sick or injured while traveling to a remote location IMG travel insurance can provide transportation to the nearest place where adequate care can be given, under its emergency medical evacuation benefit.
If an unfortunate event occurs and a traveler passes away, the repatriation of mortal remains benefit would make the necessary arrangements to transport the remains back to the traveler's home country.
Patriot International insurance fully meets the requirements of Schengen visa insurance. Immediately after the purchase of the insurance plan, you will receive an email confirmation containing the link to download and print the visa letter that you can take to the Schengen country embassy or consulate. That makes Patriot International a very popular Europe travel insurance.
Even though IMG travel insurance is available from thousands of websites, it is always advisable to purchase it from a neutral broker who is always with you before and after the purchase. You should select a broker that you can count on to provide you with great customer service when you need it. Most importantly, the broker should be willing to provide you with assistance and act as your advocate in case you run into any legitimate claim issues. No matter where you purchase IMG travel insurance from, the prices for the same insurance will not change, but the service will. Make sure you have a neutral broker on your side when you need it.