Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition:  No Coverage.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the deductible is paid by insured, plan pays 80% for the first $5,000 and then 100% up to the policy maximum.
  • PPO Network: Provides United Healthcare PPO Network.
  • ID Card & Visa Letter comes in email instantly.

View more details

Age and Policy Maximum

Age (0-69)-$10,000; $50,000; $1,00,000; $5,00,000; $1000,000;

Age (70-79)-$50,000

Age (80-99)-$10,000

Doctor Visit Upto Policy Maximum
Urgent Care $25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible.
Hospital Room and Board Average semi-private room rate up to the maximum limit. Includes nursing service
Ambulance Upto Policy Maximum.
Prescription Upto Policy Maximum.

Complete details are given in certificate of insurance.

View more details

  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Treatment or surgeries which are elective, investigational, e xperimental or for research purposes.
  • Pregnancy - Charges related to Pregnancy, including but not limited to prenatal care, child birth, post-natal care, false labor, edema, prolonged labor and/or prescribed rest during the period of pregnancy, including newborn care.
  • Injuries as a result of engaging in Hazardous Sports without the purchase of the optional Sports rider.
  • Any injury or illness as a result of the consumption of alcohol or drugs; or for the treatment of substance abuse.
  • This is a partial list and description of exclusions. For a full description, please contact Azimuth Risk Solutions, LLC for a copy of the Evidence of Insurance.

Complete details are given in certificate of insurance.

View more details

Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance;

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

View more details

PPO Providers are contracted separately through United States Preferred Provider Organization.

View more details

Renewals are available in whole month or daily increments and may be completed online or by using  
a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional $5 processing fee.

View more details

The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance: (a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. (b) If no claims have been filed with the Company, (i) a cancellation fee of US$50.00 will be charged; and (ii) only full month premiums will be considered as refundable.

View more details

All benefits payable under Patriot Travel Medical Insurance are subject to the terms and conditions in the Certificate of Insurance. To make claim processing efficient, claims may be paid in two ways:

Eligible expenses that have been paid by or on behalf of the insured person may be reimbursed by check directly to the Insured Person.

Eligible claims that have not yet been paid by the insured person may, at the option of IMG, be paid either to the insured person or directly to the provider.

View more details