Patriot International Overseas Travel Insurance

 

Patriot International Overseas Travel Insurance is one of our favorite international medical insurance plans for those traveling outside the U.S. The Patriot International medical insurance plan is all you need. It has everything you want in an international travel insurance cover. 

Here are some of the key benefits that you and I look for in a travel medical plan that the IMG Patriot International insurance plan has:

Highlights of benefits – all in USD:

• Medical expenses $50,000 – $2,000,000 (deductibles apply)
• Emergency dental $100

• Emergency evacuations $500,000
• Repatriation $50,000
• Short-term travel medical coverage
• Coverage for individuals 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
• Trip cancellation, travel delay and baggage delay benefits available
• Universal Rx pharmacy discount savings
• 24 hour secure access from anywhere in the world to manage your account at any time

Additional information on the Patriot Travel Medical cover:

Q: Do I need to carry my ID medical card with me at all times?

A: Your ID card contains important information including contact information for IMG should a medical emergency arise. We recommend that you carry it with you at all times.      

Q: What happens if I need to seek medical treatment on the weekend or late at night and your office is closed?

A: If you have a medical emergency, seek appropriate medical care.  If you need assistance, please call the phone number on the back of your ID card. IMG has medical professionals on call 24/7 to assist you in the case of a medical emergency. 

• If you need to pre-certify outpatient services you may use the online precertification form .
• If you are being admitted to a hospital, you may notify us either by submitting an online precertification form or by calling the phone number on the back of your ID card.

Q: What is precertification and why is it required?

A: Precertification is a requirement under your certificate for certain medical services.  Please see your certificate for a list of services which require precertification.  During the precertification process, medical professionals review the planned medical services against standard medical criteria to ensure that the services are within accepted medical standards and are medically necessary. 

• Precertification may be initiated by you, your representative or your medical provider. This can be done through MyIMG, through the Client Resources page of IMGLOBAL or by calling IMG at 1.800.628.4664 (within the U.S.) or 1.317.655.4500. Most U.S. hospitals and physicians are familiar with the precertification process and will make the phone call for you, though they are not required to do this.
• You are responsible for ensuring the precertification process is done five days before you are hospitalized or within 48 hours of an accident or emergency illness.

Q: Does IMG accept collect phone calls?

A: IMG offers a toll-free number within the U.S. and Canada of 1.800.628.4664. From the Bahamas, use 1.866.677.4500. You may also call collect at 1.317.655.4500.

Q: Do I need a U.S. primary health insurance plan to purchase the Patriot Travel medical insurance?

A: No.

Q: Who is IMG?

A: IMG is the administrator and their underwriter is SIRIUS International

A: International Medical Group, Inc.SM (IMG) truly understands the needs of international citizens. For more than a decade, IMG has provided medical insurance to individuals, families and groups who are living or traveling abroad. Whether you need individual coverage for a vacation or group coverage for your employees in locations around the world, IMG has a product to meet your needs.

• IMG’s strength lies in its ability to deliver superior service to our insured members.
• Our staff includes international claims administrators with a wealth of experience in processing claims from throughout the world; multilingual customer service representatives to assist our members; and an on-site medical staff available 24 hours a day, seven days a week for medical emergencies.
• IMG does not sell directly, relying instead on a network of agents to promote its insurance products.

Q: Who is SIRIUS International insurance corporation?

A: While IMG provides complete plan administration expertise, our globally-recognized partner, Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers.

• Rated A (excellent) by A.M. Best and A- by Standard & Poor’s*, Sirius International shares IMG’s vision of the international marketplace and offers the stability of a well-established insurance company.
• Sirius International is part of the White Mountains Insurance Group Ltd. With approximately $2 billion of regulatory capital and over $2 billion in gross premiums, the Group ranks among the top insurance and reinsurance organizations in the world.
• Sources: A.M. Best reconfirmed their rating in a press release dated April 22, 2004; Standard & Poor’s reconfirmed their rating in a press release dated July 16, 2003.

Good Neighbor Insurance provides international travel insurance to those traveling outside their country of resident/country of citizenship. Call one of our professional international travel insurance agents at 866-636-9100 or you may email us at [email protected]. Have an amazing and safe travels!