IMG Travel Insurance, 5 Reasons To Get It

International Medical Group (IMG) has, for 20 years, Travel Insurance, International Medical Insurance and some of the best service in the business to the international community. Traveling can be exiting but remember that when you are traveling anything can happen and when it does can be even more traumatic if you are in a foreign country and unfamiliar with the culture and maybe even the language. Since most traditional health plans are not useful internationally it's always best to be prepared for any unforeseen injury, illness or medical emergency.

IMG offers 5 travel insurance plans to choose from so when you are planning on traveling make sure to get the IMG Travel Medical Insurance that is right for you and for your trip. Below I have hit the highlights of IMG's 5 Travel Medical Insurance plans as a start on your learning about Travel Insurance. I will follow up with a longer article on each one.

  1. Patriot Travel Medical Insurance
    • There are 2 Patriot travel plans available, Patriot International is for U.S. Citizens traveling outside the U.S. with coverage for brief returns to the U.S. The other plan is Patriot America, this is for non-U.S. Citizens traveling outside their home countries. The period of coverage for both plans can be from 10 days up to 2 years. Both plans offer great benefits and services which should meet your international needs.
    • Benefits include a range of deductibles (0 to $2,500) and plan maximums ($50,000 to $2,000,000) and access to over 17,000 providers when you need treatment outside the U.S. There is no Coinsurance for treatment received outside the U.S. and Canada. In the U.S.  and Canada the plan pays 90% of eligible expenses up to $5,000 then 100% up to the policy maximum when treatment is provided within the PPO Network and 80% outside the PPO Network. Benefit period of 6 months. On-line access to MyIMG 24 hours a day. World-Class Medical Benefits and International Emergency Care.
  2. Patriot Platinum Travel Medical Insurance
    • This First-Class travel medical insurance plan comes in both Patriot Platinum International and Patriot Platinum America. Both provide the discerning traveler offer a complete package of international benefits available 24 hours a day. These 2 plans are available from 10 days to 3 years. Besides the range of deductibles (0 to $25,000) and policy maximums ($1,000,000 to $8,000,000) you also have access to IMG's Global Concierge  and Assistance Services.
    • In addition to the services listed above there is this: Coinsurance in PPO Network pays 100%, outside PPO Network pays 90% up to $5,000 then 100% up to maximum limit, Benefit period up to 12 months, eDocAmerica gives you access to medical professionals to assist with any routine health related questions.
  3. Patriot Executive Travel Medical Insurance
    • Offers a complete package of International benefits 24 hours a day and there is a Patriot Executive International plan for U.S. citizens and Patriot Executive America plan for non-U.S. citizens. Each plan provides coverage for you, your spouse and your children for each trip outside your home country during a period of up to 1 year.
    • Each plan offers excellent benefits including access to international multi-lingual customer service centers, claims administrators and 24 hour access to highly qualified coordinators of emergency medical services and international treatment.
    • Patriot Executive Travel Medical Insurance benefit highlights: Maximum limit of $1,000,000, maximum limit for travelers age 70-75 is $50,000, $250 deductible for each covered illness, No Coinsurance outside the U.S. and in PPO Network inside the U.S. and Canada is 90% up to $5,000 then 100% up to policy maximum and Out of PPO Network the plan pays 80% up to $5,000 then 100% up to the policy maximum. 24 hour access to MyImg, world-class medical benefits for in-patient and out-patient medical expenses and International Emergency care including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more.
  4. Patriot Adventure Travel Medical Insurance
    • This plan is for those of you who are Adventure Sports enthusiasts, it is available for International adventure sports enthusiasts from the U.S. as well as non-U.S. citizens. Both Patriot Adventure Travel Medical Insurance plans are available from a minimum of 30 days up to a maximum of 6 months.
    • Patriot Adventure Travel Medical Insurance benefit highlights: Maximum limit of $50,000, Individual Deductible of $250, No Coinsurance for treatment received outside the U.S. and Canada For treatment received inside the U.S. and Canada the plan pays 90% of eligible expenses up to $5,000 then 100% up to the policy maximum if treatment is received within the PPO Network. If treatment is received outside of the PPO Network the plan pays 80% up to $5,000 then 100% up to the plan maximum. The Benefit period is 6 months. 24 hour access to MyImg. Both plans include world-class medical benefits for both in-patient and out-patient treatment. Both plans also include International Medical Care: emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more.
  5. Patriot Group Travel Medical Insurance
    • Both of the Patriot Group plans offer a complete package of international benefits available 24 hours a day. The Patriot Group International Travel Medical Insurance plan provides coverage for groups of 5 or more U.S. Citizens traveling overseas for a minimum of 10 days up to a maximum of 2 years with coverage for brief returns to the U.S. Patriot Group America for groups of 5 or more also when traveling outside their home country.
    • Plan Highlights for both Patriot Group International and Patriot Group America Travel Medical Insurance. Maximum limits from $50,000 to $2,000,000 and individual deductibles from $0 to $2,500. For treatment received outside the U.S. and Canada there is no Coinsurance. For treatment received inside the U.S. and Canada the plans pay 90% of eligible expenses up to $5,000 then 100% up to the policy maximum when treatment is provided within the PPO Network and 80% outside the PPO Network. The benefit period is 6 months. You have 24 hour on-line access to MyImg. When you consider the world-class medical benefits giving you coverage for in-patient and out-patient medical expenses and the International Emergency Care you can see that both of the Patriot Group Travel Medical Insurance plans are worth looking at.

As you can see from these short descriptions of the 5 types of Travel Medical Insurance plans offered by IMG that you really don't have to look anywhere else to find the kind of Travel Insurance you need for your travels. You can find out even more by clicking on the links provided below. If after you have done that you can contact the friendly people at http://www.GlobalTravelCoverage.com via phone or the easy to use Contact form located there, they are always happy to answer questions and help you in any way they can.

Thank you for your time and I hope that you read more of my articles in the future.

Ken Vandiver - About the Author

Specializes in Travel Medical Insurance, Trip Insurance, Global Health Insurance and all of the derivations (Mission, Marine, Student, etc.).

For your Travel Medical Insurance needs visit us at: Global Medical Coverage.