Detail

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

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 3 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: US Citizen :Under Age 64 without primary health plan :Max up to $20,000 ; Under Age 64 with primary health plan: Max up to $1,000,000 ; Age (65-69) :- Up to $2500.
    Non- US Citizen:Under Age 70: - Up to the Period of Coverage limit or $1,000,000
  • Co-Insurance:After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: Provides International Provider Access.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Ages 0 to  69: $2,000,000, $5,000,000 or $8,000,000

• Ages 70 to 79: $100,000

• Ages 80 and older: $20,000

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.

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  • war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war
  • .Charges for Routine Physical Examinations and immunizations are excluded from coverage under this insurance.
  • Charges for pre-natal care, delivery, post-natal care, and care of Newborns, including complications of   Pregnancy, miscarriage, complications of delivery and/or of Newborns are excluded from this insurance.
  • Charges incurred for Surgeries, Treatment or supplies which are Investigational, Experimental and for research purposes
  • any Illness or Injury sustained while taking part in, practicing or training for: Amateur Athletics; Professional Athletics; or athletic activities that are sponsored by any Governing Body or Authority, including the National Collegiate Athletic Association, any other collegiate sanctioning or Governing Body or the International Olympic Committee
  • any Illness or Injury sustained while taking part in backcountry skiing
  • any testing for the following when not Medically Necessary: HIV, seropositivity to the AIDS virus, AIDS-related Illnesses, ARC Syndrome, AIDS

 

Complete details are given in certificate of insurance.

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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.

 

Acute Onset of Pre-existing Conditions

• Insured Person must be under 70 years of age

• Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements

 

United States citizens:

• Age 64 and under without a Primary Health Plan:

• Maximum Limit: $20,000

• Age 64 and under with a Primary Health Plan:

• Maximum Limit: $1,000,000

• Age 65 through age 69:

• Maximum Limit: $2,500

 

Acute Onset of Pre-existing Conditions

• Insured Person must be under 70 years of age

• Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements

 

Non-United States citizens:

• Age 69 and under:

• Maximum Limit: $1,000,000

 

Emergency Medical Evacuation

• Arises or results directly from a covered Acute Onset of a Pre-existing Condition

• Insured Person must be under 70 years of age

 

 

Maximum Limit: $25,000

 

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Click on below link to check providers of PPO Network

Complete details are given in certificate of insurance

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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.

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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.

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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.

 

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