Patriot International Travel Insurance

Patriot International Travel Insurance is one of our favorite overseas medical insurance plans for those traveling overseas to serve others. 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:

Benefits (all in USD):

• Medical expenses         $50,000 – $2,000,000 (deductibles apply)
• Emergency dental         $100
• Emergency evacuations $500,000
• Repatriation      $50,000
• Flight accident AD&D  $50,000

• 24/7 assistance services Yes
• Benefit period is six months, renewable up to 24 months after three months of continuous coverage.
• Available for individuals and groups.
• Choose your deductible from $0 – $2,500.
• Plan includes 24-hour AD&D up to $25,000.
• Dental procedures necessary to restore sound natural teeth that are lost or damaged due to an accident are covered up to the maximum limit.
• Political evacuations are covered up to $10,000.
• Coverage for illnesses and injuries caused by acts of terrorism (subject to a $50,000 lifetime maximum).
• Identity theft assistance up to $500 per coverage period.
• Incidental home country trips up to two weeks cumulative are covered.
• Additional natural disaster coverage up to $100 per day for five days is provided in the event the insured is ordered to evacuate by local authorities in preparation for a natural disaster.
• Plan includes up to $5,000 in trip interruption coverage if you are required to return home due to the death of an immediate family member or your principal residence is destroyed.
• Coverage for lost luggage up to a maximum of $250.
• Purchase one additional month of home country coverage for every five months of continuous coverage as an extension of coverage.
• Hospital indemnity is covered up to $100 per night if the insured is hospitalized for a covered reason.
• Fully disclosed pre-existing conditions are covered up to $15,000 maximum for medical expenses and up to $25,000 for evacuation.
• Universal prescription discount program is available with this plan for reduced-cost prescription medicines.
• Register for IMG’s online support service, MyIMGSM, for access to providers, explanation of benefits, status of claims, ID cards, certificate documents, and more.

Additional information on the Patriot International travel insurance plan:

Q: When can I purchase this travel insurance cove?

A: You can purchase the same day you travel if you want. There isn’t a window prior to the departure date that customers must be within. However, the travel start date will be the next day, at its earliest.

A: You can even purchase your Patriot plan after you have already left the country.

Q: What is the refund policy for the Patriot International policy?

A: IMG will refund the policy premium as long as the effective date has not come and gone. The request must also be in writing.

Q: What happens when I have a claim?

A:        Contact IMG directly with the information on your confirmation email that was sent to you once you purchased the Patriot International policy.  There you will notice the links to claim forms and FAQ. 

A: If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days.

• We will reimburse your eligible medical expenses after applying the deductible and coinsurance.
• Please remember to submit your bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.
• In many cases IMG works directly with the hospital or clinic, including those outside our independent Preferred Provider Organization, for payment of eligible medical expenses.

Q: How much does claim fraud cost America?

A: According to the United States General Accounting Office, fraud costs an estimated $110 billion annually or as much as 10 cents on every dollar spent on health care.

• U.S. Code, Title 18, Ch. 63, Sec 1347 contains a federal statutory definition of health fraud as follows:
• Whoever knowingly and willfully executes or attempts to execute a scheme:
  • to defraud any health care benefit program;
  • or to obtain, by means of false or fraudulent pretenses, representations, or promises, any of the money or property owned by or under the custody or control of any health care benefit program in connection with the delivery or of payment for health care services, shall be fined under this title or imprisoned not more than 10 years, or both.
• The best way to combat health care fraud is to have procedures in place to deter and identify fraud before the dollars are paid out. At IMG, we provide fraud education and training to the claims department. We call the patient to verify treatment when the bills look suspicious. We ask that employers educate their employees to review their bills, ask questions and to carefully review the Explanation of Benefits worksheets. If the patient realizes the treatment never took place, they need to notify IMG immediately.
• Our Fraud Unit is designated for policy holders of IMG Insurance Programs. Please report any fraudulent activity by calling 1-800-628-4664 (001-317-655-4500 outside the United States) or E-mail us here on our Web site. We allow anonymity to the caller or the person reporting the fraud.

Q: Am I required to complete an IMG Claim Form every time I go to the doctor?

A: The Claims department encourages all insureds to complete a Claim Form for each new onset of an illness or injury. 

• This process gives IMG knowledge that you are receiving medical treatment and allows us to watch for appropriate billing to be filed on your behalf.
• If you fail to submit a Claim Form and additional information is requested, IMG will contact you with an Explanation of Benefits and attach a Claim Form if one is required.

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!