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Patriot America Plus Group Group of 5 or more Non-US Citizens traveling together

Patriot America Plus Group


Addresses the insurance needs of non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

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

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Don’t let your medical coverage be an uncertainty. Travel with one of IMG’s Travel Medical Insurance® plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.

PLAN INFORMATION
Maximum Limits $50,000, $100,000, $500,000
Individual Deductible $0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S. & Canada No Coinsurance
Coinsurance - for treatment received outside the U.S. & Canada In the PPO Network- The plan pays 90% of eligible medical expenses up to $5,000, then 100%
Out of the PPO Network - The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Continuation of Treatment Period Earlier of 6 months per Injury or Illness or upon return to Home Country
MyIMG 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits Coverage available for eligible inpatient and outpatient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
INPATIENT/OUTPATIENT BENEFITS Subject to the coinsurance and deductible when applicable and Usual, Reasonable, and Customary (URC)
Hospital Room and Board URC
average semi-private room rate
Intensive Care Unit URC
Eligible Medical Expenses URC
Acute Onset of Pre-existing Condition
prior to age 70 - Medical Expenses
URC
Local Ambulance URC
Prescription Medication URC
Emergency Room Accident URC
Emergency Room Illness with
In-patient Admission
URC
Emergency Room Illness without
In-patient Admission
URC with additional $250 deductible
Dental - Treatment related to an Accident URC
Dental - Emergency $100 maximum
Hospital Daily Indemnity $100 per overnight, up to a maximum of 10 overnights
Terrorism $50,000 lifetime maximum
Recreational Sports & Activities URC for non-organized, non-contact, and non-collision activities
EVACUATION BENEFITS Not subject to a deductible or coinsurance.
Emergency Medical Evacuation $500,000 lifetime maximum
(independent of the Maximum Limit)
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation $25,000 lifetime maximum
Emergency Reunion $50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial $50,000 for Return of Mortal Remains or
$5,000 for Cremation/Burial
Return of Minor Children $50,000 lifetime maximum
Political Evacuation $10,000 lifetime maximum
ADDITIONAL BENEFITS Not subject to a deductible or coinsurance.
Incidental Trips Up to a cumulative two weeks
End of Trip Home Country Coverage One month for every six months of continuous coverage,
up to two months maximum
Trip Interruption $5,000 maximum
Common Carrier Accidental Death $50,000 to beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage $50 per item; maximum of $250
Natural Disaster $100 per day for five days maximum
Identity Theft $500 maximum
OPTIONAL RIDERS
Other than the Enhanced AD&D Rider, optional riders can be requested and apply to all eligible individuals listed on the Application.
Adventure Sports Rider
(available to insureds up to age 65)
AgeLifetime Maximum
0 - 49$50,000
50 - 59$30,000
60 - 64$15,000
Enhanced AD&D Rider
(available to the primary insured only)
Up to the Maximum Limit
Evacuation Plus Rider
(available to insureds up to age 65)
Non Life-threatening Medical Evacuation:
Up to a maximum of $25,000.
Natural Disaster Evacuation:
Up to a maximum of $5,000