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Patriot International Insurance

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Patriot International Insurance Review

Patriot International Insurance
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)
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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

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  • Reviews
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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.

Travel insurance (trip cancellation insurance) with superior benefits!!

iTravelInsured insurance namely Travel Lite (Medical expense covered for $100,000),  Travel SE (Medical expense covered for $250,000) and  Travel LX (Medical expense covered for $500,000) also offer trip protection cover for travel expenses from trip cancellation, trip interruption, trip delay, baggage loss. These plans also offer coverage for emergency medical expenses and other evacuation benefits.
iTravelInsured Travel Insurance - Highlights
  • Accident Sickness Medical and Dental expense (from $100,000 to $500,000 depending on the plan)
  • Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
  • Travel insurance program for trips up to 180 days
  • Standard coverage for trip cancellation and interruption
  • Emergency medical expense, evacuation, and reunion benefits
  • Three product options for varying levels of coverage
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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.

Optional-coveragePatriot 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?
  • What is Patriot International travel insurance Chaperone Replacement Rider?
  • What is Enhanced AD & D Rider offered by Patriot International travel health insurance?
  • What is Evacuation Plus Rider by Patriot International medical insurance?
Renewal 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.
optional-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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Plan benefits of Patriot International insurance, Patriot International insurance reviews

Benefits Coverage
COVID-19/SARS-CoV-2 Coverage Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Hospital room and board Outside the U.S: Up to the maximum limit
Inside the U.S: 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
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Intensive care unit Up to the overall maximum limit.
Surgery Up to the maximum limit
Physician visits Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Emergency local ambulance Up to the maximum limit
Emergency room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency Medical Evacuation Up to the maximum limit. Not subject to deductible
Emergency reunion $100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial 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
Hospital Emergency Room:International Up to the maximum limit
Hospital Emergency Room:Up to the maximum limit Injury not subjected to emergerncy room deductible.
Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
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
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation $100,000 maximum limit. Not subject to deductible
Natural disaster $25,000 maximum limit. Not subject to deductible
Terrorism Up to $50,000 maximum limit. Not subject to deductible
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental death & dismemberment $50,000 principal sum. Not subject to deductible
Laboratory Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Chiropractic Care Up to the maximum limit
Extended Care Facility Up to the maximum limit
Interfacility Ambulance Transfer Company pays 100%
Pet Return $1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit $500 maximum limit. Not subject to deductible
Bedside Visit $1,500 maximum limit. Not subject to deductible
Trip interruption $10,000 maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible
Identity Theft $500 maximum limit. Not subject to deductible
Incidental Trips to Home Country 14 consecutive days maximum limit
Personal Liability $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property

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

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.

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.

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

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.

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.

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.

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.

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.

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