IMG Travel insurance for US citizens visiting USA

• 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  

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• 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.

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• 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.

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• 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  

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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