Patriot Group Travel Medical Insurance, IMG patriot insurance

Pre-existing condition coverage

A pre-existing condition is defined as any injury, illness, sickness, disease or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
Acute onset of pre-existing condition coverage

For US Citizens(Medical)
- Up to age 65 with primary health plan: Up to maximum limit.
- Up to age 65 witout primary health plan: $20,000 certificate period.
- Age 65 to age 70: $2,500 certificate period.
For Non US citizens(Medical)
- Up to age 70 years: Up to maximum limit or $500,000 whichever is less
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
- Up to $25,000 maximum limit for up to age 65.

Patriot Group Travel insurance review

Insurance Provider
International Medical Group

Best suitable for
US citizens traveling outside the U.S

Policy maximum

$50,000; $100,000; $500,000; $1,000,000; $2,000,000.

Deductible options

Individual deductible options are: $0, $100, $250, $500, $1,000 and $2,500 per insured person.

Patriot Group Travel insurance plan life
10 days to 2 years

Coinsurance

For treatment received within the US: - In the PPO Network: No coinsurance. 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 US

No coinsurance.

Patriot Group Travel insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

IMG Patriot Group Travel Insurance-Frequently asked questions

Does Patriot Group Travel Insurance cover Covid? Does Patriot Group Travel Insurance cover Coronavirus?

Patriot Group Travel Insurance does not provide covid coverage, however Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. IMG Patriot America Plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Can I buy Patriot Group Travel Insurance after my arrival in the US?

Yes Patriot Group Travel Insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot Group Travel Insurance within a 6 month time period after arriving in the US.

Does Patriot Group Travel Insurance cover pre-existing conditions?

International Medical Group (IMG) offers the Patriot Group travel insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

How do I cancel Patriot Group travel insurance?

Patriot Group Travel Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:

Cancellation before effective date:

Full refund of premium.

Cancellation after effective date:

$50 cancellation fee will be charged by the insurance company.
Only full month premium will be considered for refund.

I wish to extend my stay in the US, is it possible to renew Patriot Group Insurance?

Yes Patriot Group Travel insurance is available up to a maximum of 364 days. Visitors to USA can Renew Patriot Group Travel insurance online to extend their coverage.

Plan benefits of Patriot Group Travel insurance

In-Patient Medical Benefits

Eligible medical expenses	Up to the maximum limit
Hospital room and board	Average semi-private room rate, including nursing services
Surgery	Up to the maximum limit
Intensive care unit	Up to the overall 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)
Hospital indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Bedside visit	$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Prescription Drugs and Medications	Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)

Out-Patient Medical Benefits

Physical Therapy	Up to the maximum limit (Medical order or treatment plan required)
Urgent Care Clinic	$25 copay for urgent care center. 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
Radiology / X-ray	Up to the maximum limit
Laboratory	Up to the maximum limit
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Reconstructive Surgery	Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Chiropractic Care	Up to the maximum limit
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met

Emergency Services

Emergency local ambulance	Up to the maximum limit
Hospital emergency room	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
Interfacility ambulance transfer	Company pays 100%
Emergency eye examination	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)

Dental

Prescription Drugs and Medications	$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%

Evacuation

Emergency medical evacuation	Up to $1,000,000
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
Return of minor children	$100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation	$100,000 maximum limit. Not subject to deductible
Emergency reunion	$100,000 maximum limit. Not subject to deductible
Natural disaster evacuation	$25,000 maximum limit. Not subject to deductible

Trip Protection

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
Natural disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism	Up to $50,000 maximum limit. Not subject to deductible
Small pet common air carrier accidental death	$500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)

Life

Accidental death & dismemberment	$50,000 principal sum. Death must occur within 90 days of the accident. 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

Other Benefits

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
Extended care facility	Up to the maximum limit
Pet return	$1,000 maximum limit. Not subject to deductible
Durable medical equipment	Up to the maximum limit

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