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IMG Travel health Insurance reviews

Compare and buy IMG Travel medical insurance plans

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Age
Start Date
End Date
Coverage
Citizenship
  • Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

    Plan Details
    • This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
    Plan Details
    • Add on option - Covers Stroke or Myocardial Infarction (Heart Attack)
    • It is a medical insurance useful for Non-US citizens travelling outside their home country
    • This plan can be purchased for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
    • Travelers under 65 years visiting US, the initial period of coverage must begin within 6 months of arrival in the US. While travelers 65 years and above, it must begin within 30 days of arriavl. These requirements will be waived with proof of previous valid international travel insurance.
    • Limited coverage for medical expenses
    Select Traveler's Age
    Maximum Coverage
    Deductible Amount
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  • Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

    Plan Details
    • Insurance Coverage for non-U.S. residents traveling to the USA.
    • Purchase for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years
    • Coverage for acute onset of pre-existing conditions up to policy maximum for travelers under 70 years
    • Co-Insurance; 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.
      For treatment received outside the U.S : No coinsurance. Plan pays 100%
    • Patriot America Plus has coverage for covid19
    • Plan is suitable for Green Card holders as long as they reside outside the US.
    Select Traveler's Age
    Maximum Coverage
    Deductible Amount

    Pre-Existing Coverage up to 70 years

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    Plan Details
    • Availble for visitors traveling from their home country to the U.S., Canada, and Mexico
    • $50,000 coverage per certificate period for travelers aged 70 years and above
    • Travelers from age 14 days to 99 years.
    Select Traveler's Age
    Maximum Coverage
    Deductible Amount
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    Plan Details
    • Ideal for US citizens travelling outside US
    • $10,000 coverage per certificate period
    • Satisfies Schengen Visa Requirements
    • Covers pre-existing conditions up to $2,500
    Select Traveler's Age
    Maximum Coverage
    Deductible Amount
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    Plan Details
    • Ideal for US citizens and Non US citizens
    • $20,000 coverage per certificate period
    • Covers pre-existing conditions up to $2,500
    • Patriot Platinum has coverage for covid19
    Select Traveler's Age
    Maximum Coverage
    Deductible Amount
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    Plan Details
    • Ideal for US citizens and US permanent residents aged 65 years or older
    • Single trip plan, renewable up to 12 months
    • Coverage up to $1,000,000
    Select Traveler's Age
    Maximum Coverage
    Deductible Amount
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IMG travel insurance FAQs

01. What are the benefits of Patriot Travel insurance?

Patriot Travel  insurance is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States. Patriot Travel insurance provides coverage for medical expenses, pre-existing consitions, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The insurance offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travellers.

02. How much does Patriot Travel Insurance cost?

The cost of Patriot travel insurance is dependent on the following factors: The age of the traveller, the length of insurance coverage, The Plan Limit and the deductible.  The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.

03. What are the requirements for purchasing Patriot Travel Insurance?

To buy the Patriot travel Insurance, you will need the travel dates and passport details of the traveller.  This will include the name of the traveller, the date of birth, the passport number and the travel dates.

04. How do I purchase Patriot Travel insurance?

You can get the quotes and make an instant purchase of Patriot travel insurance online with a credit card on American Visitor Insurance.  This can be done without the need of any paperwork or medical exam.

05. What is the coverage area of Patriot Travel insurance?

Patriot Travel insurance provides coverage worldwide except in your country of citizenship.

06. What are the different types of patriot insurance?

The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Lite Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.

07. Can I buy Patriot America Lite plan after arriving in the US?

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

08. Which is an ideal plan to buy for Schengen visa?

Patriot International insurance satisfies the Schengen visa requirements and also offers the visa letter as required by the consulates.

09. Which plan offers comprehensive coverage with the highest medical coverage?

Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.

10. Which short term plan offers coverage pre-existing conditions for travelers visiting USA?

Patriot America Plus plan offers coverage for pre-existing conditions.

11. Which are the ideal plans for older travelers?

Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot America Lite 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

12. Which are ideal plans offering pre-existing conditions cover for senior citizens?

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.

13. Which is the most affordable plan offered by International medical group?

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.

14. Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?

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.

15. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990.Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

16. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness.Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler).IMG also has products for international students, exchange scholars and expatriates.

17. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

18. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990.IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

19. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

International Medical Group Insurance

Travel Insurance - International Medical Group (IMG)

IMG has been in the international health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims. International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs

Factors determining the cost of IMG travel insurance

Traveler’s Age

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Destination of traveler

The cost of the coverage depends on the destination of the traveler. The cost of coverage is higher in the United States when compared to countries outside the United States, this is because of the high cost of healthcare in the US.

Deductible and Co-insurance

The higher the deductible on the travel insurance plan, the lower will be the policy cost. Choosing a plan with a low deductible increases the cost of coverage. A higher co-insurance will also reduce the cost of the policy when compared to lower co-insurance.

Medical maximum coverage required

The higher the medical maximum coverage required, the higher will be the cost of US travel insurance.

The length of travel insurance coverage

The cost of the travel insurance is directly dependant on the length of coverage required. The longer the visitor insurance coverage, the higher will be the cost.

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

Pre-existing conditions coverage - FAQ's

01.  How do I know if my pre-existing condition is covered by travel insurance?
  1. Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
  2. Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
  3. Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
  4. IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
02.  What does full coverage for Pre-Existing Conditions mean?

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What services are covered under visitors insurance full pre-existing coverage?

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

06.  Do IMG travel insurance plans really cover all pre-existing conditions?

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

IMG visitors insurance related links