IMG

Patriot GoTravel Medical Insurance

Quotes for Patriot GoTravel insurance

IMG travel insurance coverage for Coronavirus (Covid 19)

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Patriot GoTravel Insurance

Patriot GoTravel Insurance

Insurance provider
International Medical Group

Plan life
10 days to 2 years Patriot GoTravel Insurance can be renewed onlineIf the plan is bought for a minimum of 3 months, coverage may be renewed for a total of up to 2 years.
Patriot GoTravel insurance rating
AM Best Rating: "A" (Excellent)
Policy maximum?
$50,000; $100,000; $500,000; $1,000,000; $2,000,000.
Deductible options?
$0, $100, $250, $500, $1,000 or $2,500.
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans
Patriot GoTravel insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot GoTravel Insurance, Comprehensive US visitors medical insurance

Patriot GoTravel Insurance is a popular visitor health insurance coverage for Non US citizens visiting the USA. This plan best suits the short term health insurance needs of visiting family members such as parents, in-laws... and tourists vacationing in America. Patriot GoTravel Insurance offers pre-existing condition coverage for US Citizens and Non US citizens.
  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Renewal
  • Provider Network
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  • FAQs

International Medical Group Patriot GoTravel insurance summary

What is the eligibility to buy Patriot GoTravel insurance?
  • Patriot GoTravel International: Offers coverage for US Citizens travelling outside the US for a minimum of 10 days up to a maximum of 2 years.
  • Patriot GoTravel America: Offers coverage for Non US citizens travelling outside their home country for a minimum of 10 days up to a maximum of 2 years.
  • For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
Optional-coveragePatriot GoTravel insurance coinsurance?
  • For treatment received outside the U.S. & Canada: No coinsurance.
  • For treatment received within the U.S. & Canada:
    • In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Patriot GoTravel insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • Adventure Sports rider
  • Chaperone Replacement Rider
  • Enhanced AD & D Rider
  • Evacuation Plus Rider
RenewalRenewability - Patriot GoTravel insurance renewability

  • Patriot GoTravel insurance can be purchased for a minimum of one month and it can be renewed up to two years.
  • Renewals are available in whole month or daily increments and may be completed online or by using paper application.
  • For each renewal less than of one month completed online it will be charged an additional $5 processing fee.
optional-coverage Patriot GoTravel insurance Acute onset of a pre-existing condition

  • For US Citizens:
    • Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
      • Up to age 65 with primary health plan - usual, reasonable and customary charges up to plan maximum.
      • Up to age 65 without primary health plan - $20,000 lifetime maximum.
      • 65 years and above with or without primary health plan - $2,500 lifetime maximum.
  • For Non US Citizens:
    • Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
      • Up to age 65 - $50,000 lifetime maximum for eligible expenses.
      • Age 65 years and above - $2,500 lifetime maximum.
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Plan benefits of Patriot Gotravel insurance

Benefits Coverage
Hospital room and board Up to the maximum limit for average semi-private room rate.
Intensive care Up to the Maximum Limit
Benefit Period 6 months
Emergency local ambulance Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Hospital Daily Indemnity $100/night, maximum 10 days
Sports & Activities Coverage Up to maximum limit for basic sports
Terrorism Coverage Up to 50,000 maximum limit
Intensive Care Up to the Maximum Limit
Incidental Home Country Coverage Up to a cumulative two weeks
End of trip Home Country Coverage One month for every five months of travel coverage purchased, up to maximum of two months
Accidental Death & Dismemberment $25,000 principal sum
Medical Expenses Up to maximum limit
Natural Disaster $100 per day for 5 days
Identity Theft Assitance Up to $500 per Period of Coverage
Trip Interruption Up to $5,000
Common Carrier Accidental Death $50,000 to beneficiary, maximum of $250,000 per family
Compare quotes and details of Patriot GoTravel plan with other insurance plans:
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