Patriot International Insurance, IMG best coverage for Schengen visa, International Medical Group Patriot Insurance for Europe.

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Patriot International Insurance Review

Insurance provider
International Medical Group

Plan life
5 days to 364 days.
Patriot International Insurance can be renewed online maximum up to 2 years.

Policy maximum^?
$50,000, $100,000, $500,000, $1,000,000 per insured person

Deductible options^?
$0, $100, $250, $500, $1,000 or $2,500 per insured person

Patriot International insurance rating
AM Best Rating: "A" (Excellent)

Compare Patriot travel plans
Compare Patriot travel insurance plans

Patriot International insurance coinsurance^?

IMG pays 100% outside of the U.S.

Patriot International insurance underwriter^?

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot International Links

Brochures
Patriot International brochure links
View Patriot International insurance brochures in different languages:

English

Spanish

Chinese
Benefits
Advantages
COMPARATIVE ADVANTAGES
It is a comprehensive benefit plan.

One time deductible per policy period.

Complies with SCHENGHEN visa requirements.

Plan administrator provides VISA LETTER online.

Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.

Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.

Discounts on pharmacy for certificate holders of patriot plans through participating pharmacies in the US.

Optional rider cover for adventure sports, AD&D, citizenship return rider and evacuation plus rider.

Coinsurance outside US & Canada - No coinsurance.

Coinsurance inside US & Canada - Within PPO network, plan pays 90% of eligible expenses up to $5,000, then 100% up to Max limit. Outside PPO network, plan pays 80% of eligible expenses up to $5,000, then 100% up to Max limit.

Additional benefit for US citizens with primary health coverage - Coverage for pre-existing conditions up to plan maximum.
Reviews
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Claims
Renewal
Group quotes
Application

Patriot International Insurance for US citizens

Patriot International Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories. It covers acute onset of pre-existing condition coverage. Patriot international insurance schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.

International Medical Group Patriot International insurance summary

What is the eligibility to buy Patriot International Insurance?
Patriot International insurance eligibility

People outside their home country whose destination excludes the United States or its territories.

Patriot International insurance underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot International 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.

What is Adventure Sports rider from Patriot International visitor insurance?
Adventure Sports rider
Available for those up to the age of 65 years.

Activities Covered up to certificate period: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 certificate period

Age 50-59 years: $30,000 certificate period

Age 60-64 years: $15,000 certificate period
What is Patriot International travel insurance Chaperone Replacement Rider?
Chaperone/Faculty Leader Replacement Rider
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
What is Enhanced AD & D Rider offered by Patriot International travel health insurance?
Enhanced AD & D Rider
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
What is Evacuation Plus Rider by Patriot International medical insurance?
Evacuation Plus Rider
Available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation - Up to a maximum of $25,000

Natural Disaster Evacuation - Up to a maximum of $5,000

Renewability - Patriot international insurance renewability

Patriot International insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
Prior to the end of each period of coverage purchased, you will receive renewal information.
You have the option to renew online or you may complete a paper renewal form.
Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.

Patriot International insurance coverage for Acute onset of a pre-existing condition

Covers up to maximum limit, under the age of 70 years.

Acute onset of a pre-existing condition - Emergency medical evacuation
- Up to $25,000 maximum limit for up to age 70.

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Patriot International Travel Insurance, Patriot International Medical Insurance - Common Questions

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Can I buy Patriot International insurance for Schengen visa?

Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International travel insurance also offers visa letter in French if required.

Which is an ideal temporary medical insurance plan for US citizens travelling outside US?

Patriot International insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.

How does Patriot International insurance offer coverage for medical expenses?

Patriot International insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot international insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International insurance working example.

I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot International insurance?

Yes Patriot International Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot International insurance online.

How do I cancel Patriot International Insurance?

Patriot International Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

Full refund of premium.

Cancellation after effective date:

$50 cancellation fee will be charged by the insurance company.
Only full month premium will be considered for refund.

Covid 19 IMG travel insurance coverage for Coronavirus

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.