Patriot International Insurance, IMG Patriot International travel insurance, IMG Patriot International Insurance Cost.

Quick comparision of IMG Patriot International travel insurance plans

These Patriot International visitor insurance plans ideal for for traveling outside of your home country, Excluding USA.

Insurance Plans	Patriot International Lite	Patriot Platinum International
Maximum Limit	Up to $1,000,000	Up to $8,000,000
Deductible	$0 to $2,500	$0 to $25,000
Ideal for	Schengen visa	First-class medical coverage
Extensions	24 months	36 months
Emergency Medical Evacuation	$1,000,000	Up to maximum limit
Coinsurance	100% up to the maximum limit	100% up to the maximum limit
Incidental Emergency in the U.S.	Up to 2 weeks	Up to 2 weeks
Acute Onset of Pre-Existing Conditions	check_circle	check_circle
Travel Intelligence	cancel	check_circle
Telehealth	Optional add-on available	check_circle
Evacuation Plus	cancel	check_circle
	Brochure	Brochure
	Buy Online	Buy Online

What Does Patriot International Insurance Cover?

Patriot International provides a comprehensive range of travel medical benefits, including:

Medical and hospital expenses – Covers treatment for sickness and injury while abroad.
Emergency medical evacuation and repatriation – Pays to transport you to the nearest suitable medical facility or back home if medically necessary.
In patient and out patient care – Hospital room, ICU, physician visits, surgery, X rays, labs, and prescription drugs (limits apply).
Acute onset of pre-existing conditions – Provides coverage if a pre-existing condition suddenly and unexpectedly worsens while traveling.
Optional adventure sports coverage – Protects you during activities like skiing, scuba diving, or other high-risk recreational sports.
Travel Intelligence, Telehealth, and Evacuation Plus – Patriot International Platinum includes Travel Intelligence for real-time travel guidance, optional Telehealth for virtual doctor consultations, and Evacuation Plus for enhanced emergency medical evacuation.

This expanded coverage ensures that travelers are protected against a wide range of medical and travel-related emergencies while abroad.

How much does Patriot International insurance cost per month?

The best IMG Patriot travel insurance cost is ranges between $55 to $431 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible, and any visitors insurance coverage for pre-existing conditions.

Plan Name	Maximum Coverage	30 Years	40 years	50 years	60 years
Patriot International Lite	$50,000 - $1,000,000	$40 - $64	$55 - $74	$$94 - $117	$121 - $144
Patriot Platinum International	$1,000,000 - $8,000,000	$54 - $104	$116 - $158	$197 - $243	$245 - $294

The average cost of Patriot International plans is based on quotes for 250 deductible for one month.

Does Patriot International Cover Pre-Existing Conditions?

Yes, Patriot International Insurance provides coverage for the acute onset of pre-existing conditions for both the Lite and Platinum plans. This means the plans will cover sudden and unexpected flare-ups of a pre-existing medical condition that require emergency treatment while traveling abroad.

Acute Onset Coverage Details by Plan

Patriot International Lite
- Covers acute onset of pre-existing conditions for travelers under age 70.
- Up to policy maximum for medical treatment related to the acute onset.
- Emergency medical evacuation due to acute onset is covered up to $25,000.
- Policy maximum options range from $50,000 to $1,000,000.

Patriot International Platinum
- Covers acute onset of pre-existing conditions for travelers under age 70.
- Provides first-class medical coverage for sudden flare-ups.
- Emergency medical evacuation for acute onset is included within the higher policy limits.
- Policy maximum options go up to $8,000,000, offering extensive protection for high-risk or extended travel.

Patriot International Insurance for Schengen visa

Patriot International Lite Insurance satisfies Schengen visa requirements To download the visa letter, after the purchase, wait about 30 minutes, then you can log into the client zone to download your letter. You can download it in English, Spanish or French.

What are the benefits of Patriot International Insurance?

Home Nursing Care help	Up to the maximum limit (Upon direct transfer from an acute care facility)
Assistant Surgeon help	20% of the primary surgeon’s eligible fee
Bedside visit help	$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Outpatient Surgical / Hospital Facility help	Up to the maximum limit
Laboratory help	Up to the maximum limit
Chemotherapy / Radiation Therapy help	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Reconstructive Surgery help	Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Anesthesia help	Up to the maximum limit
Chiropractic Care help	Up to the maximum limit
Extended care facility help	Up to the maximum limit
Emergency eye examination help	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Hospital room and board help	Average semi-private room rate, including nursing services
Radiology / X-ray help	Up to the maximum limit
Physician visits help	Physician visits or services: Up to the maximum limit
Physical Therapy help	Up to the maximum limit (Medical order or treatment plan required)
Walk-In Clinic help	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Urgent Care Clinic help	$25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Traumatic Dental Injury help	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Surgery help	Up to the maximum limit
Intensive care unit help	Up to the overall maximum limit.
Durable medical equipment help	Up to the maximum limit
Emergency dental treatment help	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Prescription Drugs and Medications help	Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Supplemental Accident help	Maximum limit per covered accident: $300
Hospital emergency room help	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
Physician visits help	Up to the maximum limit

Interfacility ambulance transfer help	Company pays 100%
Natural disaster help	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Political evacuation and repatriation help	$100,000 maximum limit. Not subject to deductible
Emergency medical evacuation help	Up to $1,000,000
Return of mortal remains or cremation/burial help	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Emergency local ambulance help	Up to the maximum limit.
Return of minor children help	$100,000 maximum limit. Not subject to deductible
Natural disaster evacuation help	$25,000 maximum limit. Not subject to deductible
Emergency reunion help	$100,000 maximum limit. Not subject to deductible
Remote transportation help	$5,000 per certificate period / $20k maximum limit
Terrorism help	Up to $50,000 maximum limit. Not subject to deductible

Accidental death & dismemberment help	$50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Personal liability help	$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
Pet return help	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death help	$500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Return travel help	$10,000 maximum limit. Not subject to deductible
Identity theft help	$500 maximum limit. Not subject to deductible
Common carrier accidental death help	$25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible

Lost luggage help $50 per item, $500 maximum limit. Not subject to deductible
Telehealth Optional add-on available

Who Buys Patriot International Travel Insurance - and Why It Matters

Every traveler’s situation is unique. Patriot International plans from American Visitor Insurance provide flexible coverage for real-world scenarios, ensuring travelers are protected wherever they go.

Arjun, 23 - Indian Student Studying in Germany

Traveler type: International student, non-U.S. citizen
Program: 12-month graduate program in Germany
Need: Required proof of health insurance for visa and university enrollment; affordable, reliable coverage abroad

The Scenario:
Arjun needed a plan that met German visa and university requirements while providing real medical coverage. German public health insurance was expensive, and navigating foreign insurance from India was difficult.

Solution:
Arjun purchased Patriot International through American Visitor Insurance. When he fractured his wrist during a football match, the plan covered X-ray, cast, and specialist follow-up, leaving him with $0 out-of-pocket after deductible. He renewed for his second year without hesitation.

Maria, 35 - International Business Traveler

Traveler type: U.S. citizen on a short-term assignment, frequent traveler
Trip: 3-month business assignment in Singapore
Need:Reliable medical coverage abroad, including emergency care and evacuation

The Scenario:
Maria was traveling for work and wanted insurance that would cover unexpected medical emergencies, hospitalization, or urgent care while abroad. She also wanted coverage for medical evacuation in case she needed to be flown home for treatment.

Solution: She purchased Patriot International Platinum through American Visitor Insurance. During her trip, she developed severe food poisoning and had to be hospitalized. The plan covered her hospital stay, medications, and specialist consultations, as well as emergency transport to a better-equipped facility. Maria faced no out-of-pocket surprise expenses and could continue her assignment safely.

IMG Patriot International insurance reviews

Reviews, Ratings and Experiences

Simple and straight forward combined with good coverage for the price. This is our third policy with IMG, and we have been very satisfied.

| Steve E

Reasonable price. Easy to purchase. I’ve been using this company for several years. Happy customer.

| Joan

I use IMG for almost every travel in the US and am now also using them for international travel. I've only ever had great experiences, the prices are phenomenal and the ease of signing up is unbeatable.

| Kelli M

What optional benefits are included in Patriot International insurance?

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

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.

This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.

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

Adventure Sports Rider - More Details

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

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

Available in select countries on individual plans only

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 th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Available an individual plans U.S. residents only

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. II 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.

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

What is the Patriot International Insurance PPO network?

IMG Patriot Insurance - Provider network and how to find hospital or doctor?

When outside the U.S., you can also enjoy access to quality healthcare worldwide with our IMG's proprietary International Provider Access (IPA network) that includes more than 45,000 accomplished physicians and facilities allows you to access quality care worldwide. The IPA search tool will identify providers with direct billing.

IPA network Find Provider Network

How do I file a claim with Patriot International Insurance?

To file a claim with Patriot International Insurance, follow these steps:

Download the Claims Form: Access the Patriot International insurance claims form online.
Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, PO Box 240429, Apple Valley, MN 55124.
Email Assistance: For additional help or inquiries, email customercare@imglobal.com.

Know more about IMG Claims »

What are the restrictions of Patriot International Insurance?

Patriot medical insurance is not available for Belarus, Russia and Ukraine residents and for travelers to these countries.

Patriot International Insurance FAQs

Patriot International Lite offers essential medical coverage with a maximum limit of up to $1,000,000, deductibles from $0–$2,500, and extensions up to 24 months ideal for budget-conscious or shorter-trip travelers. Patriot International Platinum offers premium coverage up to $8,000,000, deductibles from $0–$25,000, extensions up to 36 months, built-in Telehealth, and Evacuation Plus best for long-term travelers seeking maximum protection.

Both plans can be purchased for up to 12 months initially. Patriot International Lite can be extended up to 24 continuous months, while Patriot International Platinum can be extended up to 36 continuous months.

Patriot International Platinum includes Telehealth as a built-in benefit, giving you 24/7 access to board-certified doctors via phone or video. For Patriot International Lite, Telehealth is available as an optional add-on at an additional cost.

Yes. Patriot International is one of IMG's most trusted and widely used travel medical insurance plans globally. Both Lite and Platinum plans offer flexible coverage maximums, emergency medical evacuation, COVID-19 coverage, and access to IMG's international provider network making it a reliable and cost-effective choice for travelers seeking serious medical protection outside their home country.

Yes. U.S. citizens traveling outside the United States are eligible for Patriot International. Patriot International Lite and Platinum both include incidental emergency coverage for time spent in the U.S. during your trip up to 2 weeks giving U.S.-based travelers added flexibility without losing coverage continuity.

Patriot International Platinum is the recommended choice for senior travelers. It offers a maximum coverage limit of up to $8,000,000, built-in Telehealth for 24/7 virtual doctor access, Evacuation Plus for non-life-threatening hospitalizations, and higher emergency evacuation benefits providing seniors with the comprehensive protection needed for international travel. Note that Acute Onset of Pre-Existing Conditions coverage is available for travelers under age 70 on both plans.

Yes. Both Patriot International Lite and Platinum meet Schengen visa minimum coverage requirements of €30,000, covering emergency medical treatment and repatriation across all 27 Schengen member states. Patriot International Platinum offers up to $8,000,000 in coverage far exceeding the minimum making it the stronger choice for embassy submissions and longer European stays.

Purchasing Patriot International is quick and straightforward. Visit American Visitor Insurance, compare Lite and Platinum plans side by side, enter your travel dates to get an instant quote, and purchase securely online in minutes. Licensed insurance agents are also available to help you choose between Lite and Platinum based on your destination, trip length, and budget.