Visitors insurance for pre-existing conditions by IMG

• International visitors traveling from their home country to the U.S., Canada, and Mexico.
• Travel medical insurance for individuals, families.

This plan covers pre existing conditions
• Maximum limit through age 69: $25,000
• Maximum limit ages 70 and older: $20,000
• Deductible: $1,500 per injury or illnes

• In-Network( United States, Canada, Mexico): Plan pays 75%
• Out of Network: Plan pays 60%

• Emergency Evacuation
  $25,000
• Return of Mortal Remains or Cremation/Burial
  $25,000 and Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.

• Non US citizens travelling outside their home country.
• For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.

• Lite: $25,000 max per coverage period (subject to sub-limits)
• Plus: $50,000 max per coverage period (subject to sub-limits)
• Platinum: $100,000 max per coverage period (subject to sub-limits)

• Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25,000 max per period of coverage

• Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.

• Emergency Evacuation
  Visitors Care Lite, Plus & Platinum - $25,000
• Return of Mortal Remains or Cremation/Burial
  Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.

• Incidental Home Country Coverage
  During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
• Common Carrier Acciental Death Coverage
  $25,000.

• Non US citizens travelling to the USA.
• International travelers requiring continuing coverage.
• US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
• Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.

• Under 70 years of age
  • Up to period of coverage maximum limit.
• Acute onset of a pre-existing condition - Emergency medical evacuation

• Under 70 years of age
  • Up to period of coverage maximum limit.
• Acute onset of a pre-existing condition - Emergency medical evacuation

• Adventure Sports Rider
• Chaperone/Faculty Leader Replacement Rider
• Accidental Death & Dismemberment
• Bolt Device Protection (Cellular Phone Rider)
• Trip Cancellation, Interruption and Travel Delay Rider

• For treatment received outside the U.S : No coinsurance.
• For treatment received within the U.S :
  • In the PPO Network: The plan pays 100%.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

• People outside their home country whose destination excludes the United States or its territories.
• This plan can be renewed up to 24 months.

• 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.

• Patriot International Lite 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.

• Adventure Sports Rider
• Chaperone/Faculty Leader Replacement Rider
• Accidental Death & Dismemberment
• Bolt Device Protection (Cellular Phone Rider)
• Trip Cancellation, Interruption and Travel Delay Rider

• Patriot International Platinum Insurance Eligibility
  • offers coverage for Non US citizens travelling outside their home country.
  • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. 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.
  • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
• Patriot Platinum America Insurance Eligibility
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance

• Up to the maximum limit.(Insured person must be under 70 years of age)
  • United States citizens
    • Age 64 and under without a primary health plan: Maximum limit: $20,000
    • Age 64 and under with a primary health plan: Maximum limit: $1,000,000
    • Age 65 through age 69: Maximum limit: $2,500
  • Non-United States citizens
    • Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower)

• $25,000 maximum limit for emergency medical evacuation

• Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 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.

• 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.

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/Faculty Leader Replacement Rider
• Accidental Death & Dismemberment
• Bolt Device Protection (Cellular Phone Rider)
• Trip Cancellation, Interruption and Travel Delay Rider