Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Patriot Lite Travel Medical Insurance
Temporary health insurance for individuals, families, and groups
Summary of Benefits
Coverage Information
Conditions of Coverage
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred
Eligibility
Patriot Lite travel medical insurance is available for U.S. citizens and permanent residents traveling outside the United States with coverage for brief returns to the U.S., and for non-U.S. citizens traveling outside their home country. For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international medical coverage. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the Application. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.
Renewal and Extensions
Subject to the terms of the plan, Patriot Lite 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. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage.
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.
Ideal for Traveling Outside of Your Home Country
![]() Patriot LiteAmerica | ![]() Patriot PlusAmerica | ![]() Patriot PlatinumAmerica | |
---|---|---|---|
Maximum Limit | Up to $1,000,000 | Up to $1,000,000 | Up to $8,000,000 |
Deductible | $0 to $2,500 | $0 to $2,500 | $0 to $25,000 |
Extensions | 24 months | 24 months | 36 months |
Emergency Medical Evacuation | $1,000,000 | $1,000,000 | Up 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 | |||
Travel Intelligence | |||
Telehealth | Optional add-on available | Optional add-on available | |
Evacuation Plus | |||
* Up to policy maximum if contracted and treatment is provided after the policy effective date
![]() Patriot LiteInternational | ![]() Patriot PlatinumInternational | |
---|---|---|
Maximum Limit | Up to $1,000,000 | Up to $8,000,000 |
Deductible | $0 to $2,500 | $0 to $25,000 |
Extensions | 24 months | 36 months |
Emergency Medical Evacuation | $1,000,000 | Up to maximum limit |
Coinsurance | 100% up to the maximum limit | 100% up to the maximum limit |
Incidental Emergency in the U.S. | Up to 2 weeks | Up to 2 weeks |
COVID-19 Coverage* | ||
Acute Onset of Pre-Existing Conditions | ||
Travel Intelligence | ||
Telehealth | Optional add-on available | |
Evacuation Plus | ||
* Up to policy maximum if contracted and treatment is provided after the policy effective date
![](/images/library/patriot-series-resources/patriot-series--all-plan--brochures.png)
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