IMG Patriot Plan
IMG Global's Patriot Travel series is designed for those who need short-term travel medical insurance coverage while they are away from their home country. The Patriot America plans are ideal for travelers visiting the U.S., while the IMG Patriot International plans are specific to travelers outside the U.S.
If you are a traveler visiting the U.S., the Patriot America series offers America Lite, Plus, or Platinum. If you are traveling outside of the U.S., the Patriot International series has two suitable plans, Lite or Platinum. All plans are available for a minimum of 5 days. Patriot America and Patriot International can be extended up to 36 continuous months.
All IMG Patriot travel medical insurance plans offer additional coverage options such as the Extreme Sports Rider, Enhanced AD&D Rider, and the Evacuation Plus Rider. Each rider is available with all plans for an additional charge.
The Patriot America Plus and Platinum plans provide COVID-19 coverage up to the policy maximum. The Patriot International Lite and Platinum plans also provide COVID-19 coverage.
IMG Global's Patriot Travel series is designed for those who need short-term travel medical insurance coverage while they are away from their home country. The Patriot America plans are ideal for travelers visiting the U.S., while the IMG Patriot International plans are specific to travelers outside the U.S.
If you are a traveler visiting the U.S., the Patriot America series offers America Lite, Plus, or Platinum. If you are traveling outside of the U.S., the Patriot International series has two suitable plans, Lite or Platinum. All plans are available for a minimum of 5 days. Patriot America and Patriot International can be extended up to 36 continuous months.
All IMG Patriot travel medical insurance plans offer additional coverage options such as the Extreme Sports Rider, Enhanced AD&D Rider, and the Evacuation Plus Rider. Each rider is available with all plans for an additional charge.
The Patriot America Plus and Platinum plans provide COVID-19 coverage up to the policy maximum. The Patriot International Lite and Platinum plans also provide COVID-19 coverage.
IMG Patriot Plan Highlights
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IMG Global Patriot Series Schedule of Benefits
IMG Patriot travel medical insurance plans offer a wide variety of coverage options so that you can select the option that best fits your needs. Whatever plan you choose, if you encounter a medical emergency abroad, you will have the assurance of IMG's protection.
| Patriot America | Patriot International | ||||
|---|---|---|---|---|---|
| Lite | Plus | Platinum | Lite | Platinum | |
| Maximum Limits | Up to $1 million | Up to $1 million | Up to $8 million | Up to $1 million | Up to $8 million |
| Deductible | $0-$2,500 | $0-$2,500 | $0-$25,000 | $0-$2,500 | $0-$25,000 |
| Extensions | Up to 24 continuous months | Up to 24 continuous months | Up to 36 continuous months | Up to 24 continuous months | Up to 36 continuous months |
| Emergency Med. Evac. | $1 million | $1 million | Up to the maximum limit | $1 million | Up to the maximum limit |
| Coinsurance (In-Network) | 100% up to the maximum limit | 100% up to the maximum limit | 100% up to the maximum limit | 100% up to the maximum limit | 100% up to the maximum limit |
| Coinsurance (Out-of-Network) | 80% up to $5,000, then 100% | 80% up to $5,000, then 100% | 80% up to $5,000, then 100% | 100% up to the maximum limit | 100% up to the maximum limit |
| COVID-19 Coverage | ✓ | ✓ | ✓ | ✓ | |
| Acute Onset of Pre-Existing Conditions | ✓ | ✓ | ✓ | ✓ | |
| Travel Intelligence | ✓ | ✓ | |||
| Telehealth | ✓ | ✓ | |||
| Evacuation Plus | ✓ | ✓ | |||
| Benefit | Coverage |
|---|---|
| Inpatient or Outpatient Services | |
| 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 max. limit. Including 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 |
| Double 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 |
| Prescriptions | |
| Prescription Drugs and Medication Dispensing limit per prescription: 90 days | Up to the maximum limit |
| Emergency Services | |
| 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 max. limit. Not subject to deductible. |
| Political Evac. & Repatriation Must be approved in advance by the company | $100,000 max. limit. Not subject to deductible. |
| Return of Minor Children Must be approved in advance by the company | $100,000 max. limit. Not subject to deductible. |
| Return of Mortal Remains 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. |
| Other Services | |
| AD&D Death must occur within 90 days of the accident | $50,000 principal sum |
| Common Carrier Accidental Death | $25,000 per injured child; $100,000 per injured adult; $250,000 max. limit per family |
| Dental Treatment | $300 max. limit |
| 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 max limit; $50 deductible |
| Hospital Indemnity | $250 per overnight inpatient confinement; 10 nights max. |
| Identity Theft | $500 max. limit |
| Lost Luggage | $50 per item; $500 max. limit |
| Natural Disaster | $250 per day and max. limit of 5 days |
| Personal Liability Secondary to any other insurance | $25,000 combined max. limit |
| Pet Return For a pet cat or dog traveling with the insured person | $1,000 max. limit |
| Small Pet Common Air Carrier Accidental Death For a pet cat or dog up to 30 pounds traveling with the insured person | $500 max. limit |
| Terrorism | $50,000 max. limit |
| Return Travel | $10,000 max. limit |
To review detailed Patriot Travel plan benefits, please refer to the Patriot Travel Medical Insurance brochure.
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How Much Does a Patriot Travel Medical Insurance Plan Cost?
The premiums for the Patriot International Plans (for anyone traveling in a country other than the U.S.) and the Patriot America plans (for non-U.S. citizens traveling to the United States) are based on your age, the maximum limit you choose and the deductible you choose.
All of the premiums displayed on this page are based on a $250 deductible. A deductible is the amount you will need to pay out of pocket before IMG begins to pay for covered services. There are several deductible options available to you, including $0. If your deductible is higher, then your premium will be lower and vice-versa. The deductible is payable per policy period if and when you need to seek medical treatment. If you want to check what the premium would cost with a different deductible, you can retrieve a free IMG Patriot Plan quote or contact our customer support team.
Patriot America Plan: For Travel To the USA
Ready to purchase a Patriot Travel plan?
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Patriot International Plan: For Travel Outside the USA
Related: Expat Insurance for Americans Abroad
Ready to purchase a Patriot Travel plan?
Get a plan that fits your budget. Apply online for free and purchase today!
Eligibility Requirements for IMG Patriot Plan
Patriot International Travel Medical Insurance plans are available to U.S. citizens and permanent residents traveling outside of the United States (with coverage included for brief returns to the U.S.), and for non-U.S. citizens traveling outside of their home country. Patriot America plans are available for non-U.S. residents who will be traveling to the United States. Neither plan is available to people under 14 days old, people who are HIV positive, people who are pregnant, people who are disabled, or people who are in the hospital on the date their coverage begins.
All plans require that subscribers pay their premium on or before the effective date of their plan for the plan to take effect. All plans also require that the subscriber legally enter their destination country on the effective date.
IMG Patriot Travel Medical Insurance FAQs
All Patriot travel medical insurance plans include medical coverage such as:
- Short-term emergency medical care
- Prescriptions
- Emergency dental treatment
- Evacuation and repatriation coverage
- Accidental death and dismemberment coverage
- Return of mortal remains
Plans also include coverage for your loved ones such as:
- Return of minor children
- Pet return
- Accidental death benefit
They also include coverage for other issues that may disrupt your trip, including:
- Natural disaster coverage
- Terrorism coverage
- Lost luggage coverage
- Identity theft coverage
- Trip interruption coverage
Please refer to the IMG Global Patriot Benefits area above for a detailed listing of plan benefits.
The fastest and easiest way to apply is to apply online. You may also want to download our brochure and application to complete offline (PDF: Patriot Travel Medical Application). If you have questions or need assistance, please contact us.
You can purchase an IMG Patriot policy up to the day you travel if you choose. Alternatively, you can apply a month or more prior to leaving. It is your choice. Applicants may choose to apply for the Patriot plan after their trip has begun. In this case, coverage will not be effective until the application has been approved and you have paid the applicable premium.
You can change the start and end date for your plan at any time prior to the current start date without any penalty. There may be an extra charge if your total number of days traveling is more than you initially purchased.
If you are traveling to multiple countries, for example on an around-the-world trip or a trip to a specific region, then select the country that you plan to spend the most time in as your primary destination Your plan will cover you in every country not your own that you visit.
The plan administrator, IMG, will refund your premium if your policy is canceled prior to the start of your trip. You may also request a cancellation after the trip has begun but your request may be denied depending on the policy, the reason for cancellation and the timing of your request.
Once your policy has been approved, you will be provided with instructions on what to do if you get sick. You will start by contacting the plan administrator using the information provided on your insurance card. They can help you locate a qualified doctor and facilitate the treatment. You will then be given additional details on how to proceed depending on your illness or injury, your location and the facilities available to you. You will have access to IMG's emergency assistance hotline with experienced international agents to help you through the entire process.
The Patriot Travel plans were designed for U.S. and non-U.S. citizens traveling inside or outside of the U.S. The plans provide coverage for individuals and their dependents.
Yes, the plans meet Schengen Visa requirements if you are traveling to Europe.
Yes. Patriot America Lite and Plus are extendable for 24 months, while Patriot America Platinum is extendable for 36 months.
Patriot International Lite can be extended for 24 months and Patriot International Platinum can be extended for 36.
Ready to purchase a Patriot Travel plan?
Get a plan that fits your budget. Apply online for free and purchase today!
More to Read:
The IMG Travel Insurance Plan, known as the Patriot Plan, is an affordable option to cover medical emergencies for travelers. Premium rates for international travel insurance are per insured person for eligible individuals whose Patriot applications are approved by IMG. Patriot Group Plans with separate pricing is available upon request. IMG reserves the right to assess the most current rates at the time of the effective date in the event these rates expire, are modified, or are replaced. If you need an international student insurance plan, consider the Patriot Exchange plan.