IMG

Patriot International Travel Insurance

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Patriot International Insurance Review

Patriot International  Insurance

Patriot International Insurance

Insurance provider
International Medical Group
Plan life
5 days to 364 days and later can be renewed maximum up to 2 years
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000, $2,000,000 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)
Compare Patriot travel plans
Compare Patriot travel insurance plans
Patriot International insurance coinsurance?
  • IMG pays 100% outside of the U.S.

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 is very popular among travelers visiting European countries and applying for Schengen Visa.
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  • Benefits
  • Advantages
  • Example
  • Comprehensive
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International Medical Group Patriot International insurance summary

Patriot International insurance eligibility
  • People outside their home country whose destination excludes the United States or its territories.
Patriot International insurance underwriter

Patriot 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.
  • Adventure Sports rider
  • Chaperone Replacement Rider
  • Enhanced AD & D Rider
  • Evacuation Plus Rider
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 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

Benefits Coverage
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

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