US Travel Insurance Online
(877) 340 7910
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
Individual deductible options are: $0, $100, $250, $500, $1,000 and $2,500 per insured person.
For treatment received outside the US: No 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.
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.
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.
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.
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:
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.
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
| 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% |
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 |
Patriot Group Travel Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500
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