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Patriot Group Travel Insurance Plan
Group of 5 or more US/ Non-US Citizens traveling together

Patriot Group Travel Plan


Patriot Group Travel coverage is designed for organizations who have a group of 5 or more US citizens or Non US Citizens traveling together, and to a destination that is not the home country of any of the traveling members. This plan provides the same benefits as the individual Patriot Travel Medical Insurance but with a 10% discounted rates for applying as a group. This plan offers 100% coverage after deductible if the treatment is received outside US & Canada. In USA the plan pays (After deductible) 90% In PPO up to US $5,000 and then 100% up to policy maximum. Coverage includes Emergency evacuation, repatriation, choice of deductibles & policy limits.

Who the plan designed for?

  • Graduating seniors trips
  • College students studying abroad
  • Foreign au pairs and nannies
  • Families sponsoring exchange students
  • International vacationers
  • Relatives visiting from overseas
  • Recently arrived immigrants
Read More
  • Short-term travel medical coverage
  • Coverage for individuals, groups and dependents
  • Two plan designs - one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
  • Maximum Limits from $50,000 to $2,000,000
  • Deductible options from $0 to $2,500
  • Available in daily and monthly rates
  • Renewable up to 24 months if one month or more are purchased
  • Freedom to seek treatment with hospital or doctor of your choice
PLAN INFORMATION
Maximum Limits $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (U.S. citizens only)
Individual Deductible options $0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S. No Coinsurance (0%)
Coinsurance - for treatment received within the U.S. In the PPO Network - 10% of eligible expenses up to $5,000, then 0% Out of the PPO Network - 20% of eligible expenses up to $5,000, then 0%
Continuation of Treatment Period Six months per injury or illness
Incidental Home Country Coverage Up to 14 days
End of Trip Home Country Coverage One month for every six months of travel coverage purchased, up to a maximum of two months.
Hospital Room and Board Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive Care Up to the maximum limit
Surgery Up to the maximum limit
Physician Visits Up to the maximum limit
Diagnostic Procedures Up to the maximum limit
Prescription Medication Up to the maximum limit
Home Nursing Care Up to the maximum limit
Local Ambulance Expense Up to the maximum limit
Emergency Room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Dental Emergency Up to maximum limit for treatment due to an accident. $100 maximum limit for treatment of unexpected pain to sound natural teeth.
Emergency Medical Evacuation Up to $500,000 lifetime maximum (independent of the Maximum limit). Not subject to deductible.
Emergency Reunion Up to $50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial Up to $50,000 for return of mortal remains or $5,000 for cremation/burial. Not subject to deductible.
Return of Minor Children Up to $50,000. Not subject to deductible.
Political Evacuation Up to $10,000. Not subject to deductible.
Natural Disaster Up to $100 per day and five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 lifetime maximum. Not subject to deductible.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only) Up to age 65 with primary health plan: URC up to maximum limit. Up to age 65 without primary health plan: $20,000 lifetime maximum. Age 65+: $2,500 lifetime maximum.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation (for U.S. citizens only) Up to age 65: $25,000 maximum limit
Hospital Indemnity Up to $100 per overnight up to a maximum of 10 overnights. Not subject to deductible.
Common Carrier Accidental Death $50,000 per insured person and $250,000 Maximum limit per lifetime and per Family. Not subject to deductible.
Accidental Death & Dismemberment $25,000 principal sum. Not subject to deductible.
Identity Theft Assistance Up to $500. Not subject to deductible.
Trip Interruption Up to $5,000. Not subject to deductible.
Lost Luggage Up to $50 per item; maximum of $250. Not subject to deductible.

Patriot Group International provides coverage for U.S. citizens traveling abroad for a minimum of five days up to a maximum of two years. If the plan is purchased for a minimum of one month, coverage may be renewed (without break in coverage) for a total of up to two years. If you or other family members applying for coverage are age 65 or older, please see the Eligibility section in the brochure for additional information.

Options : Other lower and Higher deductible options available as following to improve the deductible or reduced the cost. please use this rate factors.
Deductible Rate Factors. Deductible Rate Factors.
US $ Zero 1.25 US $500 0.90
US $100 1.10 US $1,000 0.80
US $250 1.00 US $2,500 0.70

All premium rates are in U.S. dollars. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid. The following rates are on base of $250 deductible in all the policy maximum options

POLICY LIMIT $50,000 $100,000 $500,000 $1,000,000 $2,000,000
AGE Monthly Rates
18-29 $20.70 $26.10 $30.60 $33.30 $35.10
30-39 $25.20 $30.60 $37.80 $39.60 $41.40
40-49 $42.30 $49.50 $56.70 $56.70 $59.40
50-59 $73.80 $81.90 $86.40 $88.20 $92.70
60-64 $89.10 $97.20 $105.30 $106.20 $111.60
65-69 $107.10 $114.30 $131.40 $142.20 $149.40
70-79 $156.60 N/A N/A N/A N/A
80+* $277.20 N/A N/A N/A N/A
DEP. CHILD $18.90 $23.40 $27.90 $30.60 $34.20
CHILDALONE $20.70 $26.10 $30.60 $33.30 $35.10

POLICY LIMIT $50,000 $100,000 $500,000 $1,000,000 $2,000,000
AGE Daily Rates (Minimum length of coverage is 10 days)
18-29 $0.69 $0.86 $0.99 $1.10 $1.16
30-39 $0.82 $0.99 $1.25 $1.31 $1.36
40-49 $1.38 $1.62 $1.85 $1.86 $1.95
50-59 $2.43 $2.68 $2.84 $2.90 $3.05
60-64 $2.93 $3.20 $3.46 $3.49 $3.66
65-69 $3.51 $3.74 $4.32 $4.66 $4.89
70-79 $5.13 N/A N/A N/A N/A
80+* $9.10 N/A N/A N/A N/A
DEP. CHILD $0.63 $0.77 $0.90 $0.99 $1.13
CHILDALONE $0.69 $0.86 $0.99 $1.10 $1.16

Patriot Group America provides coverage for non-U.S. citizens traveling outside their home country for a minimum of five days up to a maximum of two years. If the plan is purchased for a minimum of one month, coverage may be renewed (without break in coverage) for a total of up to two years. If you or other family members applying for coverage are age 65 or older, please see the Eligibility section in the brochure for additional information.

Options : Other lower and Higher deductible options available as following to improve the deductible or reduced the cost. please use this rate factors.
Deductible Rate Factors. Deductible Rate Factors.
US $ Zero 1.25 US $500 0.90
US $100 1.10 US $1,000 0.80
US $250 1.00 US $2,500 0.70

All premium rates are in U.S. dollars. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid. The following rates are on base of $250 deductible in all the policy maximum options

POLICY LIMIT $50,000 $100,000 $500,000 $1,000,000
AGE Monthly Rates
18-29 $33.00 $41.00 $53.00 $64.00
30-39 $44.00 $56.00 $70.00 $82.00
40-49 $67.00 $81.00 $107.00 $120.00
50-59 $97.00 $124.00 $152.00 $175.00
60-64 $122.00 $157.00 $186.00 $223.00
65-69 $139.00 $187.00 $203.00 $243.00
70-79 $187.00 N/A N/A N/A
80+* $326.00 N/A N/A N/A
DEP. CHILD $30.00 $37.00 $48.00 $53.00
CHILD ALONE $33.00 $41.00 $53.00 $59.00

POLICY LIMIT $50,000 $100,000 $500,000 $1,000,000
AGE Daily Rates (Minimum length of coverage is 10 days)
18-29 $1.15 $1.40 $1.80 $2.15
30-39 $1.50 $1.90 $2.35 $2.75
40-49 $2.25 $2.70 $3.60 $4.00
50-59 $3.25 $4.15 $5.10 $5.85
60-64 $4.10 $5.25 $6.25 $7.50
65-69 $4.65 $6.30 $6.80 $8.10
70-79 $6.25 N/A N/A N/A
80+* $10.90 N/A N/A N/A
DEP. CHILD $1.05 $1.25 $1.60 $1.80
CHILD ALONE $1.15 $1.40 $1.80 $2.00

* $10,000 Maximum

Quality Guarantee

The group's satisfaction is very important to IMG and the plan underwriter. If the sponsoring organization or group is not pleased with this product for any reason, a written request, prior to the effective date, for cancellation and refund of the premium. If the group does not have any claims filed with IMG, you may cancel your plan after your effective date, however, the following conditions will apply: 1) you will be required to pay a $50 cancellation fee and 2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is non-refundable.

Precertification, Emergency Evacuation and Repatriation

For precertification, emergency evacuation and repatriation, please call: IMG in the US: 1-800-628-4664 (toll free) or 1-317- 655-4500. Call IMG outside the US: 001-317-655-4500 (collect if necessary). This information will also be provided on your ID card.

IMG must be notified prior to treatment or within 48 hours of an emergency.

To Report Claims

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 317- 655-4505 or e-mail: insurance@imglobal.com