IMG Travel insurance for senior citizens

• 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.

• 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.

• 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

• People travelling outside their home country whose destination includes the US and its territories.
• US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past six months and they must have a current health plan in force.
• Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips.
• This plan can be renewed for up to 2 years.

• Patriot America Lite visitor 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.

• 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.

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
  × Adventure Sports Rider

  Available for those up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

  
  

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

  Adventure Sports Rider - More Details  

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• Chaperone/Faculty Leader 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)

  Chaperone Replacement Rider - More Details  

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• Accidental Death & Dismemberment
  × Accidental Death & Dismemberment

  The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident. 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.

  Accidental Death & Dismemberment - More Details  

  Close
• Bolt Device Protection (Cellular Phone Rider)
  × Bolt Device Protection (Cellular Phone Rider)

  Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.

  Mobile Device Protection - More Details  
  Bolt Device Protection - More Details  

  *Rider option is available in select countries on individual plans only.

  Close
• Trip Cancellation, Interruption and Travel Delay Rider**
  × Trip Cancellation, Interruption and Travel Delay Rider**

  Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils.

  If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

  **Rider option is available on individual plans for U.S. residents only.

  Close

• 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.

• 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.

• 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

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
  × Adventure Sports Rider

  Available for those up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

  
  

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

  Adventure Sports Rider - More Details  

  Close
• Chaperone/Faculty Leader 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)

  Chaperone Replacement Rider - More Details  

  Close
• Accidental Death & Dismemberment
  × Accidental Death & Dismemberment

  The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident. 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.

  Accidental Death & Dismemberment - More Details  

  Close
• Bolt Device Protection (Cellular Phone Rider)
  × Bolt Device Protection (Cellular Phone Rider)

  Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.

  Mobile Device Protection - More Details  
  Bolt Device Protection - More Details  

  *Rider option is available in select countries on individual plans only.

  Close
• Trip Cancellation, Interruption and Travel Delay Rider**
  × Trip Cancellation, Interruption and Travel Delay Rider**

  Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils.

  If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

  **Rider option is available on individual plans for U.S. residents only.

  Close

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

• 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.

• 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.

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
  × Adventure Sports Rider

  Available for those up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

  
  

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

  Adventure Sports Rider - More Details  

  Close
• Chaperone/Faculty Leader 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)

  Chaperone Replacement Rider - More Details  

  Close
• Accidental Death & Dismemberment
  × Accidental Death & Dismemberment

  The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident. 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.

  Accidental Death & Dismemberment - More Details  

  Close
• Bolt Device Protection (Cellular Phone Rider)
  × Bolt Device Protection (Cellular Phone Rider)

  Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.

  Mobile Device Protection - More Details  
  Bolt Device Protection - More Details  

  *Rider option is available in select countries on individual plans only.

  Close
• Trip Cancellation, Interruption and Travel Delay Rider**
  × Trip Cancellation, Interruption and Travel Delay Rider**

  Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils.

  If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

  **Rider option is available on individual plans for U.S. residents only.

  Close

• Patriot International Platinum offers coverage for US Citizens travelling outside the US with coverage for brief to USA.
• Patriot Platinum 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.
• 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.

• 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.

• 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

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
  × Adventure Sports Rider

  Available for those up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

  
  

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

  Adventure Sports Rider - More Details  

  Close
• Chaperone/Faculty Leader 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)

  Chaperone Replacement Rider - More Details  

  Close
• Accidental Death & Dismemberment
  × Accidental Death & Dismemberment

  The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident. 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.

  Accidental Death & Dismemberment - More Details  

  Close
• Bolt Device Protection (Cellular Phone Rider)
  × Bolt Device Protection (Cellular Phone Rider)

  Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.

  Mobile Device Protection - More Details  
  Bolt Device Protection - More Details  

  *Rider option is available in select countries on individual plans only.

  Close
• Trip Cancellation, Interruption and Travel Delay Rider**
  × Trip Cancellation, Interruption and Travel Delay Rider**

  Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils.

  If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

  **Rider option is available on individual plans for U.S. residents only.

  Close

• Travelers aged 65 years and above
• Covers medical expenses outside the U.S. only
• US citizens or US permanent residents
• Qualified for Medicare, actively enrolled in Medicare Parts A & B
• Enrolled in a Medigap Plan or Medicare Advantage Plan
• The plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan (Medicare supplement insurance)

• Maximum Limits from $50,000 to $1,000,000
• Insured person satisfy only one deductible within each 12 months coverage period
• No maximum age limit
• Provides reimbursement for emergency and non - emergency care expenses.
• Offers immediate access to care and reimbursement for medical expenses.
• Ability to choose hospital or doctor or your choice
• No coinsurance
• Offers pre-existing conditions coverage

• Single trip: Sudden Recurrence of a Pre-existing Condition: Eligible Medical
• Expenses: $2,500 maximum limit
• Multi trip: $5,000 maximum limit
• Emergency Medical Evacuation: $25,000 maximum limit