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Patriot Group Travel Medical Insurance helps reduce the complications that arise from group travel in foreign countries. The Patriot Group Travel Medical Insurance provides complete medical benefits for up to two years of overseas travel. Two plans are offered tailored to either US citizens (Patriot International® Group) or non-US citizens (Patriot America® Group) planning travel outside of their home countries.
 
The Patriot Group Medical Travel Insurance provides Policy Maximum options up to $2,000,000, and for those age 80 or older, the maximum is $10,000.
$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period.
  • Outside the U.S. and Canada:
    The plan pays 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
  • In USA:
    Within the PPO, the plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum; outside of the PPO, the plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum.

Coverage can be purchased in monthly increments for up to 24 months, with renewal available after three months of continuous coverage.

Optional Leisure Sports, Extreme Sports, Patriot Return, and Chaperone/Faculty Replacement riders.

The Patriot Group Travel Medical Insurance can be renewed monthly for up to 24 months.
Patriot Group Insurance is underwritten by the Sirius International Insurance Corporation.
Patriot Group Insurance is administered by the International Medical Group®, Inc.
Eligibilty
  • The group member (5 or more) and his/her traveling dependents must be US citizens traveling outside the United States or non-US citizens traveling outside their home country for a minimum of 10 days up to a maximum of two years. For those over 65 years old visiting the US, the initial Period of Coverage must begin within 30 days of arrival in the US; however, proof of previous valid international travel insurance waives this requirement.
  • Open only to group members, spouses, and unmarried children more than 14 days and less than 19 years old;

Coverage becomes effective on the latest of:

  • The date IMG receives the completed Application Form and the appropriate premium; ,
  • The date the group member departs his/her home country; or,
  • The date requested on the Application Form.

Coverage will end on the earliest of:

  • The end of the period for which premium was paid;
  • The date requested on the Application Form, or
  • The date the group member returns to his/her home country.
Plan Benefits

The Patriot Group Travel Medical Insurance® offers a broad range of benefits including:

  • Medical expenses including Hospital Room and Board (Up to Policy Maximum for average semi-private room rate), Outpatient Medical, Local Ambulance, Emergency Room accident and Emergency Illness;
  • Dental coverage for injury due to accident or sudden pain;
  • Emergency evacuation expenses up to the Policy Maximum;
  • Accidental Death and Dismemberment coverage;
  • Emergency Reunion coverage up to $15,000, and Return of Mortal Remains coverage up to $25,000;
  • Return of Minor Children and Political Evacuation coverage;
  • End of Trip Home Country and Common Carrier Accidental Death Coverage;
  • Terrorism, Identity Theft Assistance, Trip Interruption, and lost Luggage coverage; and,
  • Pre-existing Conditions:
  • For Insured Persons up to age 65 who have a Primary Health Plan: Up to Maximum Limit
  • For Insured Persons up to age 65 without a Primary Health Plan: Up to $20,000 Lifetime Maximum
  • For Insured Persons age 65 and older: Up to $2,500 Lifetime Maximum
Remarks
  • PPO Network:Outside the US the plan does not follow a network. You can utilize the International Provider Access? for assistance in locating a health care provider. Inside the U.S. the plan members can avail the First Health network
  • Renewal: Online Renewal is available after three months of continuous coverage in monthly
    increments for up to two years.
  • Cancellation: The plan can be cancelled by the group if no claims have been filed with IMG for a full refund. However, the following conditions will apply:
    1) the group will be charged a $25 cancellation fee; and
    2) only full month premiums will be considered for refunds.