International and Travel Medical
We have many options to choose from...
Patriot Travel Medical Insurance
$2,000,000 coverage for up to two years for the international traveler.
Patriot Extreme Travel Medical Insurance
$50,000 coverage for a maximum of six months for those participating in extreme sports.
Patriot Executive Travel Medical Insurance
For frequent international travelers under the age of 76.
Patriot Exchange Program
For cultural exchange individuals participating in an educational or cultural exchange program abroad.
Patriot T.R.I.P.
Coverage for unforeseen circumstances that may lead to cancelation of a trip.
Patrito T.R.I.P. Elite
Coverage for unforeseen circumstances that may lead to cancelation of a trip with additional premium benefits.
Patriot Student T.R.I.P.
Coverage for students under the age of 26 enrolled in a domestic or international school or summer program.
The Global Employer's Option
Designed for employers who need international group medical coverage for their employees.
Patriot Group Travel Medical Insurance
Coverage for groups of five or more who will be traveling together.
Patriot Group Exchange Program
Designed for groups traveling as part of an educational or cultural exchange program.
Student Health Advantage
Designed for international students involved in long-term educational programs.
Global Medical Insurance
Offers full worldwide coverage to a wide variety of international clientele.
Sky Rescue
Offers emergency medical evacuation coverage for international travelers.
Lots of options...
At HealthInsurance.Com, we offer a myriad of travel and international medical insurance products through a partnership with IMG, one of the world’s leading international insurers. International Medical Group, Inc. (IMG) truly understands the needs of international citizens. For more than a decade, IMG has provided medical insurance to individuals and families who are living or traveling abroad. Whether you need individual coverage for a vacation or long-term international coverage, IMG has a product to meet your needs.
IMG's strength lies in their ability to deliver superior service to their insured members. Their staff includes international claims administrators with a wealth of experience in processing claims from throughout the world; multilingual customer service representatives to assist members; and an on-site medical staff available 24 hours a day, seven days a week for medical emergencies. International travel can be an exciting adventure, but it can also bring many unpredictable situations if you should need medical care while you’re abroad. We provide international insurance resources to ease the stress of an unfamiliar culture or medical system. Below you will find product descriptions of the international plans we offer through IMG:
Patriot Travel Medical Insurance is designed for the international traveler. There are two Patriot products available to meet your needs and provide up to $2,000,000 of medical coverage. Patriot International provides coverage for U.S. citizens traveling abroad for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years. Patriot America provides coverage for non-US citizens traveling outside their home country for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years.
Patriot Extreme Travel Medical Insurance is designed for the international traveler who engages in extreme sports. Patriot Extreme provides coverage for a large array of extreme sports while providing up to $50,000 of medical coverage. There are two variations of this plan: Patriot Extreme International and Patriot Extreme America. Patriot Extreme International provides coverage for US citizens traveling abroad for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme International plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New deductible, coinsurance, eligibility, conditions of coverage and pre-existing condition exclusions apply to any succeeding or subsequent period of coverage. A new application also must be completed. In addition to the benefits listed on the brochure, Patriot Extreme International for US citizens also provides two benefits outlined below, subject to all conditions of coverage:
Sudden Recurrence of a Pre-Existing Condition – Up to $1,000 will be reimbursed for the eligible expenses of a sudden and unexpected recurrence of a pre-existing condition while traveling outside of the US. In addition, up to $25,000 will be reimbursed for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a pre-existing condition.
Indemnity – Patriot Extreme International will pay directly to you $100 for each night of a required overnight stay in a hospital. The hospital stay must be covered under this plan in order to receive this benefit.
Patriot Extreme America provides coverage for non-US citizens traveling outside their home country for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme America plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New deductible, coinsurance, eligibility, conditions of coverage and pre-existing condition exclusions apply to any succeeding or subsequent period of coverage. A new application also must be completed.
Patriot Executive Insurance is designed for:
US citizens who:
- are under the age of 76,
- are covered by an individual or group medical plan, and
- travel outside of the United States frequently throughout the year
Non-US citizens who:
- are under the age of 76,
- are covered by an individual or group medical plan, and
- travel outside their home country frequently throughout the year
Although the Patriot Executive plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New deductible, eligibility, conditions of coverage and pre-existing condition exclusions apply to any succeeding or subsequent period of coverage. A new application also must be completed.
The Patriot Exchange Program is medical insurance for cultural exchange individuals traveling abroad. The Patriot Exchange Program is designed for those who are:
- actively engaged or participating in an educational or cultural exchange program in the country of assignment
- traveling to a destination that is not their home country
With Patriot T.R.I.P., you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons. Benefits are also provided for travel delays, baggage delays/loss and emergency medical treatment/evacuation. When you purchase Patriot T.R.I.P., you automatically become a member of the National Small Business Travel & Health Association (NSBTHA). Through this association, members may access travel insurance, emergency travel assistance services, and information about events, legislation, and other matters that affect travel.
To provide superior protection for a picture-perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance and emergency travel assistance services program. Patriot T.R.I.P. Elite provides coverage for many of those unforseen circumstances that may force the cancellation of your travel plan or interruption of your covered trip. In addition, benefits may also be provided for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home. You expect top-notch service if the unexpected should happen. Make sure you have the premier protection you need with Patriot T.R.I.P. Elite. When you purchase Patriot T.R.I.P. Elite, you automatically become a member of the National Small Business Travel & Health Association (NSBTHA).
With Patriot Student T.R.I.P., you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons. This student travel insurance program is designed specifically for the student under age 26 and enrolled in school or summer camp, who may travel domestically or internationally. Additional insurance benefits include coverage for travel delays, baggage delays, lost/stolen baggage and emergency medical treatment/evacuation. Patriot Student T.R.I.P. is a travel insurance and emergency travel assistance services program designed to provide coverage to full and part-time students for many of those unforeseen events that may force the cancellation of travel plans or interrupt a covered trip.
GEO is a revolutionary program designed to meet the global health care needs of international assignees, and provide multinational employers with flexible options in both benefits and services. It is a comprehensive yet cost-effective plan designed specifically for employers who need international group medical coverage for their employees around the globe. GEO provides a wide range of customizable benefits that can be modified to suit your specifications, combined with the top-shelf service of an established leader in the international medical insurance arena. IMG focuses solely on the international medical insurance market while performing all administration functions in-house via our service centers in the US and the UK, thus giving us greater control over the quality of our service and helping to keep your costs low.
Patriot Group Travel Medical Insurance is designed for organizations who:
- have a group of 5 or more that will be traveling together, and
- are traveling to a destination that is not the home country of any of the traveling members
Obtaining coverage is as simple as:
- each group must have 5 or more members
- fill out the Enrollment Form with information on Sponsoring Organization
- fill out the Census Form with information on each Group Member
- calculate your premium and select desired payment mode
The Exchange Program Group Plan is designed for those who are:
- actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school
- traveling in a group to a destination that is not the home country of any of the traveling members
Obtaining coverage is as simple as:
- filling out the Enrollment Form with information on Sponsoring Organization
- filling out the Census Form with information on each Group Member
As a global student, assurance and peace of mind are a priority when you study abroad. That's why IMG has developed Student Health Advantage, an international health care plan designed to specifically meet the needs of international students involved in long-term educational programs. The plan offers a complete package of international benefits available 24 hours a day.
The following conditions apply to all persons applying for and/or enrolling in Student Health Advantage:
- the group member must be a full-time student or scholar at a college or university
- the group member must be residing outside his/her home country for the purpose of pursuing international, educational activities including but not limited to college course work, conducting research or teaching for a temporary period of time
- must not have obtained residency status in Host Country
- dependents have to be legal dependents, traveling with the group as a dependent of a group member and traveling outside their home country
Global Medical Insurance offers worldwide coverage to a wide variety of international clientele, including expatriates, international executives, diplomats, students, entertainers and other international travelers. Global Medical Insurance offers you the choice of three plan options: Silver, Gold and Platinum. You also have the opportunity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada. Simply choose the plan option and coverage area that best fits your needs. Each one offers a full range of benefits suited for individuals and families, provides coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.
As part of the eligibility requirements for Global Medical Insurance, U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least six of the next 12 months. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the U.S.
You also have the option of adding Global Term Life Insurance and Global Daily Indemnity to your Global Medical Insurance coverage. Global Term Life Insurance provides protection for your family at the time of a traumatic loss and is available with no additional underwriting. This coverage is available for a standard annual premium of $240 and includes an Accidental Death and Dismemberment benefit. Global Daily Indemnity pays you $100 for each covered overnight hospital stay other than those related to maternity.
Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits and complete and return the enrollment form with your premium.
Sky Rescue offers emergency medical evacuation coverage for international travelers. This product provides scheduled coverage for individuals under the age of 65 traveling outside their home country for a minimum of three months. The plan may be purchased for three months, six months or twelve months and can be rewritten for succeeding or subsequent periods. New deductible, eligibility, conditions of coverage and pre-existing condition exclusions will apply, and a new application must also be completed.