International Medical Group (IMG) - Travel health insurance frequently asked questions

Here are the most frequently asked insurance questions for IMG Travel Insurance.
  • Travel
  • Student
  • Global
  • Trip
Patriot America Plus and Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age. The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. Persons under 70 years of age can get up to $1 million maximum coverage. These plans also covers COVID-19 illness up to the maximum of the policy.
Yes, but it has a time restriction for purchase of 30 days within which after arriving in the US. This is for travellers above age 65. For travelers below age 65, there is a 6 month time period after arriving in the US to buy the plan
Patriot International insurance satisfies the Schengen visa requirements and also offers the visa letter as required by the consulates.
Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
Patriot America Plus plan offers coverage for pre-existing conditions.
Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot America is available but doesn’t offer coverage for pre-existing conditions.

Above 70 years:
Patriot Platinum and Visitors Care coverage offers limited coverage.

Above 80 years:
Patriot Platinum as it offers coverage $20,000 for travelers over 80 years
Other plans - Visitors Care offer coverage of $10,000
Sudden and Unexpected Recurrence of a Pre-existing Condition coverage offered by these plans
Patriot Platinum: $2,500 lifetime maximum.

Visitors CareThis plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years.
Visitors Care is a fixed benefit plans and most affordable plan. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Patriot Multi-trip insurance plan offers coverage for travelers taking multiple trips annually. It is ideal for frequent travelers, employers, business travellers.
Each trip duration however cannot exceed either 30 days or 45 days. With this plan travelers can travel multiple times in a year.
Patriot America Plus Group - offers exclusive pre-existing conditions cover for group of travelers whose destination includes US and its territories
Patriot Group Travel - offers travel medical insurance cover for group of travelers outside their home country
Patriot Multi-trip Group - Annual multi trip plan for group of travelers taking multiple trips in a year
Patriot Group Exchange - international health insurance plan ideal for group of students or exchange scholars
GlobeHopper Senior Multi-Trip – Available for group of US permanent residents and US citizens aged above 65 years travelling outside US
Patriot International offering coverage up to 1 million Patriot platinum international offering coverage up to 8 million GlobeHopper – for US permanent residents and US citizens aged above 65 years
Most of the travel insurance plans might provide coverage for 'trip interruption' but these are not meant for insuring the entire trip expenses itself. Please look at the 'IMG trip insurance plans' which are exclusively meant to cover trip costs, trip cancellation and other expenses related to the trip
The premium remains the same regardless of any change whether you renew the plan or when you buy a new same plan for the same time period.
Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
Patriot America Platinum covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America Platinum insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
Student Health Advantage Platinum with the following coverage:
Maternity coverage inside US/Canada: Covers 80% eligible expenses up to policy maximum inside PPO and 60% eligible expenses up to policy maximum policy maximum outside PPO.
Maternity coverage outside US/Canada: Covers 100% up to policy maximum.
Covers routine care of newborns up to $750 maximum per period of coverage.
Global Medical insurance is an ideal plan for global travelers and expats living and working outside their home country for more than a year.
The iTravelInsured plans namely Travel Lite vs Travel SE vs Travel LX offer trip protection cover for travel expenses from trip cancellation, trip interruption, trip delay, baggage loss.

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