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IMG travel insurance plans and costs

Which img travel insurance plan is best for me, can you buy img travel insurance online, what isn’t covered by img travel insurance, covid-19 considerations, is img travel insurance worth it.

• Annual or single-trip policies are available.
• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

Are you planning to travel soon? We don’t blame you — spending the last few years dealing with country shutdowns, testing requirements and travel restrictions has considerably impacted everyone.

If you’ve booked a vacation, you may wonder if you should purchase travel insurance. Among a variety of providers from which to choose, IMG insurance offers several different insurance plans. These include both short- and long-term policies, some of which include coverage for issues arising from COVID-19 illness.

Let’s look at IMG travel insurance, its different plans, and how to choose one that’s right for you.

» Learn more: Common myths about travel insurance and what it covers

The type of travel insurance you’ll want to purchase will depend on what kind of travel you’re doing. Are you looking specifically for medical coverage? How about trip insurance in case your plans go awry? You can be reimbursed in various circumstances if you have the proper insurance.

Single-trip plans

Single-trip plans are intended for those going on a trip for a predetermined period and returning home. This is compared to those who intend to take multiple trips within a year or those who will be abroad for a long time.

To get an idea of the options, we input a search for a 40-year-old female from Arizona traveling for two weeks to the U.K. on a $5,000 vacation.

IMG returned a total of 12 different plans. The cheapest plan, at $37.31, was limited strictly to health insurance. This includes coverage of up to $1,000,000 for unexpected illnesses and accidents.

The most expensive option, meanwhile, included medical insurance, trip cancellation insurance, and trip delay insurance. The total cost for this plan came out to $343.96.

Many travel credit cards offer complimentary trip insurance as long as you pay for the trip with your card, though coverage levels may vary.

Annual plans

Annual plans are built for those types of folks who travel often. This can be on many short trips or for longer-term absences from home.

For an idea of the annual plan coverage IMG offers, we put in a search for a 32-year-old man from Oregon, traveling for a year with a budget of $30,000.

In this case, IMG returned a total of 19 different plans. The cheapest plan cost $160.90 for the year and included worldwide health insurance and a deductible of $250.

It’s worth noting that you can alter the deductible amount — upping the deductible to $10,000 dropped the annual cost of the insurance down to just $65.60.

The most expensive option, meanwhile, cost $816.69 and included 24/7 telehealth access for non-emergency medical questions. Maximum coverage limits for the policy range from $2,000,000 to $8,000,000.

» Learn more: How much is travel insurance?

The type of plan you’ll need will vary based on your travel habits. Here are some things you’ll want to think about when choosing your plan:

Look at coverage details

Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.

Think long-term

If you’re planning on traveling multiple times within the year, compare the cost of purchasing several different single-trip policies to buying a year-long plan, which may save you money.

Use existing coverage

If you hold a credit card with trip insurance, you may want to skip purchasing insurance entirely. Depending on your card, you may already have emergency medical insurance, trip interruption insurance, rental car insurance, trip delay insurance and more.

» Learn more: How to find the best travel insurance

If you’re looking to purchase IMG travel insurance, you’ll first want to navigate its website: imglobal.com .

From there, you’ll be able to enter the details of your trip, including how many travelers you have, where you’re going and how long you’ll be gone. You’ll then be presented with various insurance plans to fit your needs.

We mentioned above that different plans have different levels of coverage. Still, in general, there are some things that you shouldn’t expect to be covered, including high-risk activities, intentional acts of harm and other designated events.

» Learn more: Does travel insurance cover medical expenses?

You’ll want to be aware that not all insurance plans cover instances of coronavirus. This is also true for IMG travel insurance; different plans have different levels of coverage and not all of these include COVID-19 protection.

If coronavirus is something you’d be covered for, you’ll want to double-check your plan before purchasing. Those that include coverage for COVID-19 will specify so like this:

» Learn more: Is there travel insurance that covers COVID quarantine?

The cost of your travel insurance will vary based on your coverage levels. Things that may bump up the price of your policy may include trip reimbursement insurance, cancel for any reason insurance and pre-existing condition coverage.

Yes, IMG offers international travel insurance. When getting a quote, you’ll be able to select the countries to which you’re traveling, though if you’re looking for a long-term plan, you can expect worldwide coverage.

Whether or not travel insurance is worthwhile will depend entirely upon your needs. If you have a credit card that provides complimentary insurance, that may suffice. Otherwise, purchasing a plan could help bring you peace of mind on your vacation and help you manage an unforeseen challenge if one occurs.

Some IMG travel insurance plans offer Cancel For Any Reason as an add-on. This benefit covers 75% of your nonrefundable trip cost and must be purchased within a specific time frame from your initial trip deposit. For example, for IMG’s iTravelInsured Travel LX plan you need to purchase CFAR within 20 days of trip deposit.

The cost of your travel insurance will vary based on your coverage levels. Things that may bump up the price of your policy may include trip reimbursement insurance,

cancel for any reason insurance

and pre-existing condition coverage.

Travel insurance can be a good option for those wanting coverage while away from home. The cost of your policy will vary based on the coverage you want — the better the plan, the more you can expect to pay.

Choosing whether or not to purchase travel insurance from IMG is a personal decision. However, if you’re heading out of town and want to be sure you’re covered, do your research and select a plan that suits your needs.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

MyIMG Account can help you with:

Submit a Claim, and Lookup Claim Status

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Patriot Travel Lite Insurance for anyone traveling out of their country of residence.

Patriot Travel Lite Insurance is designed for anyone traveling out of their country of residence, regardless of visa status. Cost starts at about $1/day. Purchase 5 days - 1 year, and renewable up to 2 years. After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.

Patriot Travel Lite Insurance includes Patriot America Lite for travelers to destinations including the US and Patriot International Lite for travelers to non-US destinations. Patriot International Lite covers COVID-19 same as any illness. Patriot America Lite does not cover COVID-19. For a similar plan covering COVID-19 for a US destination see Patriot America Plus

Patriot International Lite Insurance

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Patriot International Lite insurance cost

Patriot international lite travel insurance for israel.

For International travelers going to Israel, Patriot International Lite form IMG covers unexpected medical expenses while traveling to Israel including medical evacuation like ambulance coverage and repatriation. This insurance is very economical and comprehensive to take care of unexpected medical problems while you are away from home. The medical emergencies related to the wars will be excluded from the coverage.

Patriot International Lite Travel Medical Insurance by IMG

The Patriot International Lite travel insurance offered by International Medical Group (IMG) is specifically designed for short term visitors outside the USA and is a hugely popular choice among tourists. This plan covers COVID-19 like any other illness.

The plan meets Schengen Visa requirements or Europe Long Term visa requirements as long as you choose a $50,000 maximum (at least) with a $0 deductible (some countries require a $0 deductible). Immediately after purchase, you will receive a confirmation email with details of the links to ID cards and a "visa letter".

The visa letter is what the consulate needs to see for visa purposes and states it covers COVID. They are considered official documents even though you print them out yourself. The plan is available for a minimum of 5 days and a maximum of 2 years.

There is a co-insurance in this plan which is designed in the following manner. Outside the US there is no co-insurance and the plan pays 100%. The deductible for this plan is per injury or sickness.

There are trip interruption and lost luggage benefits available within this plan. The coverage for acute onset of pre-existing conditions is available for a Non US citizen up to age 70. This coverage is up to the maximum limit of the plan or $500,000 whichever is lower. Coverage for the same is available up to plan maximum limit for a US citizen with primary health plan up to age 65 years.

For US citizens without the primary health plan, up to age 65, the coverage is available for up to $20,000 maximum limit. For US citizens older than 65 years the coverage available is up to $2,500 for the same. There is also an adventure sports rider available on this plan along with other riders like Evacuation rider and citizenship rider.

Travelling to the US OR Europe during the pandemic is very risky because the new Omicron and Delta variants are considered to be more infectious when compare to the other variants of the SAR’s. Patriot International Lite Travel Medical Insurance by IMG for travelers providing them coverage for all Covid19 related expenses.Travelers are offered covid-19 coverage irrespective of which variant caused the illness.

Key benefits of Patriot International Lite Insurance

Satisfies Schengen visa requirements

Comprehensive coverage

Acute onset of a pre-existing condition

PPO network

Renewability

Medical Evacuation coverage

24/7 Travel Assistance Services

Best Health Insurance for travel to Israel

Until recently, most companies would not issue travel health insurance for persons traveling to Israel due to the continued conflict with Gaza and the warnings about travel to Israel given by the Department of State . However, we have some options that have become available for US travelers. If you want health insurance to cover unexpected medical expenses while traveling to Israel including medical evacuation like ambulance coverage and repatriation, you can purchase Patriot International Lite . This policy is offered by IMG which is a well-known and long-standing travel insurance company. This insurance is very economical and comprehensive to take care of unexpected medical problems while you are away from home. (The Patriot International Lite plan can be purchased by most nationalities.)

The Patriot International Lite plan will cover medical expenses, baggage loss, and other situations while you are on your trip. If you end up not going on your trip, you can simply cancel your Patriot International Lite plan for a full refund (before the day it starts).The medical emergencies related to the wars will be excluded from the coverage

Hopefully, the conflict in the region will end and there will be more policies to choose from for travel health insurance to Israel. Until then, we are glad to have at least a few options for travelers into that region of the world.

Be well and as ever we wish you safe and healthy travels!

Resourceful tourist insurance USA information

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• Disadvantages
• Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
• These plans do not have benefit limits based on the type of medical expense.
• Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
• Provider network
• Application

Patriot International Lite travel Insurance requirements – FAQs

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.

Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.

The cost of Patriot International Lite insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveler.

To buy the Patriot International Lite insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.

You can get the quotes and make an instant purchase of Patriot International Lite travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.

The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country.

The Patriot International Lite Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.

Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International Lite travel insurance also offers visa letter in French if required.

Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.

Patriot International Lite insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot International Lite insurance pays 100% of the eligible expenses. For detailed working example of how it works, you can review Patriot International Lite insurance working example .

Yes.Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.This plan can be renewed up to 24 months.

Yes Patriot International Lite Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot International Lite insurance online .

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel.

The domestic health insurance of the home country invariably provides little or no coverage in a new country.A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.

Visitor IMG patriot insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

The IMG travel health insurance plan covers:

• Any new sickness or injury that occurs during the trip after the start of the policy.
• Accidents or illness occurred during the trip
• Medical emergencies and medical evacuation
• Cover for hospital treatment ,doctor expenses and prescribed drugs
• Some plans cover acute onset of pre-existing conditions
• Dental emergencies (again offered by some insurance plans)
• Preventive care like routine health checks, physical examinations, inoculation, vaccination
• Regular treatment for pre-existing conditions
• Maternity coverage if conception occurs before purchase of visitor health insurance

Patriot International Lite travel insurance only covers acute onset of pre-existing conditions when they meet certain criteria. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. The plan covers acute onset of pre-existing conditions for insured persons under the age of 70, up to the overall policy maximum. However, the plan does not cover any chronic or congenital conditions, or any complications or consequences arising from such conditions.

Yes, Patriot International Lite covers covid19 like any other covered medical condition if the virus was contracted after the policy effective date.

No, quarantine coverage is not included in the Patriot International Lite plan. The plan does not provide any benefit for quarantine expenses related to COVID-19 or any other condition. The plan only covers medical expenses and other covered travel and emergency services for a traveler’s temporary stay outside of their home country.

Patriot International Lite insurance review shows that is a travel medical insurance plan that covers travelers outside their home country, excluding the USA. Here are some of the main exclusions of the plan:

• Does not cover pre-existing conditions, unless they are acute onset of pre-existing conditions and meet certain criteria.
• Does not cover chronic or congenital conditions, or any complications or consequences arising from such conditions.
• Does not cover expenses related to quarantine, isolation, or travel restrictions due to COVID-19 or any other condition.
• Does not cover expenses related to terrorism, war, or military action.
• Does not cover expenses related to sports and leisure activities, such as skiing, snowboarding, scuba diving, etc.
• Does not cover expenses related to maternity, pregnancy, birth control, abortion, or infertility.
• Does not cover expenses related to mental or nervous disorders, substance abuse, or suicide attempts.
• Does not cover expenses related to dental treatment, except for accidental injury.

Yes, Patriot International Lite insurance meets Schengen visa requirements. The Patriot international lite Schengen visa plan satisfies the following criteria for Schengen visa insurance:

• Offers a coverage of at least €30,000 for medical expenses and emergency medical evacuation. You can choose from different policy maximum options, ranging from $50K to $2M.
• Covers repatriation of remains up to $50K.
• Availalble to buy for the entire duration of your stay in the Schengen area.
• Covers all Schengen countries and has no geographic restrictions.

With your Patriot International Lite plan, you have access to a wide network of medical providers around the world. You have the freedom to seek treatment with any medical provider of your choice, but you may save money and time by using a provider within the network. You can use the International Provider Access (IPA) tool to search for doctors, hospitals, clinics, and other facilities in your destination country. If you use a network provider, you will not have to pay for eligible medical expenses up front and then submit a claim for reimbursement. The provider will bill IMG directly for covered services. You will also benefit from reduced or waived deductibles and coinsurance when you use a network provider.

Patriot International Lite Travel insurance in the war zone

For international travelers going to Israel and Ukraine, IMG's Patriot International Lite will cover both countries but any injuries or medical emergencies related to the wars will be excluded from the coverage.

International Medical Group(IMG) Insurance related coverage

IMG Patriot group insurance

Traveling in groups? Get coverage from IMG Patriot Group travel insurance!.

IMG Pre-existing conditions

Need coverage for the IMG acute onset of pre-existing conditions insurance?

IMG high-limit medical coverage

It is best suited for travelers expecting first-class medical coverage.

IMG cheap visitor insurance

Visitors Care Insurance is an affordable fixed benefit insurance plan.

Patriot International Lite Insurance Restrictions

Patriot International Lite is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

IMG visitors insurance related links

Resourceful links of Patriot travel insurance

Patriot travel insurance faq.

Frequently asked questions and answer about travel insurance plans.

Patriot Travel insurance blog

Blog to compare different Patriot Travel insurance plans

Patriot travel insurance forum

Customer queries about Patriot America Lite insurance plan.

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Patriot Lite Travel Medical Insurance

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Patriot Lite Insurance for America Visitors or International Travel

Review patriot lite travel medical insurance plan for usa visitors or international travelers, patriot america lite is visitors insurance coverage for non-us residents visiting the usa, and patriot international lite plan is for individual/family traveling outside america and home country., covid-19 / sars-cov-2 /  coronavirus:  effective may 5, 2021, coverage for covid-19 was added to the patriot international insurance plans for new purchases only. patriot international lite insurance purchased on or after march 11 2020 and prior to may 5, 2021, or patriot america lite insurance, covid-19 will be not be covered and testing/treatment will be excluded from coverage. the novel coronavirus disease, covid-19, was declared a pandemic by the world health organization (who) in march 2020, hence the exclusion per the policy certificate of insurance document applied..

Patriot Lite Travel Medical Insurance provides short-term travel medical coverage or temporary medical insurance for individual or family including dependent children, while traveling for business or pleasure anywhere outside of their home country.

Patriot Lite Travel Medical Insurance meets the health insurance needs with two plans:

• Patriot America Lite for non-US residents visiting the USA and outside their home country of residence, and
• Patriot International Lite for U.S. citizens traveling abroad or foreign nationals visiting outside their home country excluding USA.

Patriot Lite Travel Health Insurance  plan highlights include maximum coverage benefit limits range from $50,000 to $2,000,000, policy deductible options range from $0 to $2,500, plan premiums provided in daily and monthly rates, renewable up to 24 months with one month minimum initial purchase, choice with hospital or doctor to seek treatment, optional riders available for trip cancellation, travel delay and baggage delay benefits, included universal Rx pharmacy discount savings, and more.

• Quote and Buy Patriot Lite Travel Medical Insurance online
• Review the Patriot Lite Travel Medical Insurance Brochure
• Review the Patriot Lite Travel Medical Insurance Certificate

Patriot America Lite Insurance plan is designed for parents relatives visiting USA , new immigrants, foreign travelers or vacationers on a holiday abroad or overseas travel, international exchange students / au pairs and nannies, missionaries working in America, or in any foreign country.

Patriot Lite Travel Medical Insurance  is administered worldwide by International Medical Group (IMG), and the policy coverage is underwritten and issued by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Patriot Lite Insurance Review

Budget comprehensive plan usa or intl., visoa plan rating :.

Notes : Budget comprehensive policy with NO acute-onset of pre-existing condition or COVID-19 coverage feature for visitors to the USA or international travelers outside America, Renewable.

Eligibility : Any foreign resident  visiting USA, or any individuals and/or family traveling abroad. The plan is available for both foreign nationals and expat US citizens living outside America while visiting the U.S.

Coverage Duration : Minimum of 5 days to maximum of 1 year. Renewable.

• Member maximum limits: $50K to $1 million
• Choice of deductible: $0 to $2,500
• AD&D benefit: $25K (included), additional to $1 million

PPO Network : For treatment received within USA, plan uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO) network (depends on insured persons home country), NO co-insurance applies when you stay within the IMG PPO network to consult a doctor or hospital for medical care.

PPO Network →

Renew or Extend : Plan renewable to total of 24 months (2 years) prior to expiration date of policy.

Renew Online →

Other Highlights

• Foreign nationals visiting the USA
• US citizens traveling abroad
• Sickness/injury plans for visitors to America
• Acute-onset of pre-conditions included
• Quote & purchase online for single trip
• Child alone without adult purchase allowed
• Optional hazardous sports activity riders

Patriot Travel Medical Insurance Information

Patriot Lite Travel Medical Insurance plan highlights include:

Patriot Travel Medical Insurance  comes in two available choices: Patriot America for the foreign nationals visiting USA or traveling to any other foreign country, and Patriot International for US citizens who are traveling abroad to any overseas destination.

• Patriot America Lite Insurance is for foreign nationals visiting the USA and/or traveling outside their home country.
• Patriot International Lite Insurance is for US citizens or foreign nationals traveling abroad to any overseas destination excluding USA.

Brochure & Certificate

Ppo network, quote & buy, renew or cancel, patriot lite insurance - plan overview.

Patriot  America Visitor Health Insurance is designed for visitors to the USA, and tourist traveling to America for leisure or sightseeing, and Patriot International   Travel Medical Insurance is for travelers outside America who are going abroad to any foreign country.

• Eligibility : Visitors to the USA or international travelers outside their home country.
• Policy Maximum : Plan offers maximum coverage choices from US$50,000 to US$1,000,000 for the life of the plan. For travelers ages 70 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older it is reduced to only $10,000.
• Plan Deductible : Choice of US$0, US$100, US$250, US$500, US$1000, or US$2500 deductible per certificate/renewal period.
• Coinsurance : Applies for treatment within the USA only. For treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
• Policy Duration : Minimum certificate period of 5 days to maximum coverage/renewal period of 2 year (24 months).
• Coverage Benefits : Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
• Pre-Existing Conditions : Coverage for  acute onset of pre-existing condition  is NOT available with this plan. To get this benefit, please consider the Patriot America Plus for USA visitors or Patriot Platinum Insurance for international travelers. Please refer to the “Certificate of Insurance” document for plan exclusions of what is not covered.
• Underwriter : Policy is underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
• Administrator : Plan is administered by International Medical Group (IMG).

Patriot Lite Travel Medical Plan Details

Patriot Lite Travel Medical policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country.

Patriot Lite Travel Medical Insurance - Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.

• Plan Brochure: Review the Patriot Travel Medical Plan Brochure for plan information.

Patriot Lite Insurance - Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

• Certificate of Insurance: Review all the policy details available in the Patriot Travel Medical Insurance Certificate which is the detailed sample document of the master policy.
• Claims Form: Download the Patriot America Claims form on the IMG Client Resources page.

Patriot America Lite Insurance PPO Network

IMG Patriot America Lite Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

• Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Patriot Lite Travel Medical Insurance - Quote/Buy Online or Apply

Quote/Buy instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Patriot Lite Travel Medical coverage online.
• Application Form: Complete, mail/fax the Patriot Lite Travel Medical Paper Application along with payment

Patriot Lite Travel Medical Insurance - Renew/Extend Coverage

IMG Patriot Lite Visitor Insurance coverage can be extended or renewed to a maximum period of 2 years. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the Patriot Lite plan coverage dates using Patriot Lite Travel Medical Plan Renew Online .

Patriot Lite Travel Medical Insurance Client Dashboard

Patriot Travel Medical plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Dashboard: Access the Patriot Travel Medical Plan on the IMG Client Resources dashboard for existing policyholders.
• Claim Form: Download and submit the Patriot Travel Medical Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Patriot Lite Travel Medical Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $50 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial whole month refunds are available with this policy.

Patriot Lite Travel Medical Insurance Plan FAQ

Below are some of the questions frequently asked with the Patriot Travel Medical insurance plan gathered over many years:

Am I Eligible to purchase Patriot Lite Travel Medical Insurance?

Visitors to the usa or international travelers can buy.

If you are visiting the USA or traveling outside of your Home Country of principal residence, you are eligible to purchase Patriot Lite Travel Medical Insurance coverage. The minimum coverage period is 5 days and the maximum coverage renewal period is 24 months (2 years).. The plan is renewable or extendable prior to expiration date of the policy.

How is "Home Country" defined in Patriot Lite Travel Medical Insurance?

Home country is where you principally reside.

Your Home Country is the location of your Principal Residence. It is the country where you principally reside and receive regular mail. The Patriot Lite Travel Medical Insurance covers non-US residents visiting the USA, or anyone traveling outside their Home Country.

What Is Excluded in Patriot Lite Travel Medical Insurance?

What is not covered by the patriot lite insurance plan.

Chronic or congenital conditions, auto-immune diseases, cancer, nervous disorders, mental health issues, untreated or ongoing treatment conditions, etc. are typically excluded from coverage. For a complete list of all exclusions, and for more detailed policy description, please refer to the Patriot Lite Travel Medical Certificate of Insurance .

What Is Covered in Patriot Lite Travel Health Insurance?

Summary of benefits table in brochure can be referenced.

The plan explicitly details all exclusions, and sickness or injury other than exclusions is typically covered. For an overview of what is covered,  please refer to the Patriot Lite Travel Medical Insurance Brochure Summary of Benefits table.

What are the common terms used in the Patriot Lite plan?

Medical maximum, deductible, coinsurance are commonly referenced.

Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.

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IMG Patriot Platinum

Patriot Travel Medical Insurance

Patriot Platinum is the highest-rated plan by customers from  International Medical Group's   Patriot Travel Series. Patriot International and Patriot America Platinum plans include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.

Both plans are available for a minimum of 5 days and can be renewed for a maximum of three years if you purchase at least one month of coverage with no break in coverage. Renewals are available in whole month or daily increments and can be purchased online.

U.S. citizens are eligible for the Patriot International Platinum plan for travel outside the U.S. The plan also provides coverage for brief returns to the U.S.

Patriot America Platinum is available to individuals traveling outside their home country and the U.S. 

U.S. citizens residing outside the U.S. can also purchase the Patriot America Platinum plan for visits back to the U.S.

Continue reading to learn more about IMG Patriot Platinum travel medical plans.

Patriot Platinum is the highest-rated plan by customers from  International Medical Group's   Patriot Travel Series. Patriot International , for travel outside of the USA, and Patriot America , for travelers visiting the USA, include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.

Continue reading to learn more about IMG Patriot Travel Medical Insurance, one of the best travel medical insurance plans available.

Patriot Travel Medical Insurance Highlights

Plan limits and deductibles.

Patriot America and Patriot International Platinum offer a maximum medical limit of up to $8 million. Both plans allow travelers to choose a deductible between $0 and $25,000.

Policyholders can access a national network of board-certified doctors and pediatricians in the U.S. 24/7/365 to help diagnose, treat, and prescribe medication via phone or online video consultations.

Coverage for Pre-Existing Conditions

For travelers under age 70, coverage for acute onset of pre-existing conditions is available. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition.

COVID-19 Coverage

COVID-19 Coverage is included, and charges for treatment resulting from COVID-19 are covered the same as any other illness covered under a Platinum policy.

Ready to purchase an IMG Patriot Platinum plan?

Get your quote and purchase online in minutes!

Patriot Platinum Schedule of Benefits

Please review the plan limits for Patriot America Platinum and Patriot International Platinum in the table below. Patriot International Platinum is designed for U.S. citizens traveling outside the United States, while Patriot America Platinum is designed for travelers visiting countries outside their home country and the United States.

The following benefits and coverage levels are shared between Patriot America Platinum and Patriot International Platinum.

Plan Maximums

Download the IMG Patriot Platinum brochure to review the schedule of benefits and optional riders to include in your plan.

Expand your Patriot Platinum Coverage with Additional Riders

IMG's Patriot America and International Platinum Plans are easily customizable to meet your needs while you are away from home. You can add the optional Riders to your Platinum plan when you submit your application.

The Adventure Sports Rider provides additional coverage for injuries sustained during participation in extreme activities, such as parachuting or whitewater kayaking.

Lifetime Maximum

Age 0-49: $50,000

Age 50-50: $30,000

Age 60-64: $15,000

The Trip Protection Rider can protect you from financial losses due to unexpected events before or during your trip. This Rider can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

Please note this Rider option is available on individual plans for U.S. residents only.

The Mobile Device Protection Rider provides coverage for repair or replacement of your cell phone if it is lost, stolen, or damaged during your trip.

The Accidental Death and Dismemberment Rider is available to the primary insured only and will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

How Much Does a Patriot Platinum Travel Medical Plan Cost?

The Patriot Travel Medical Insurance plan ranges from as little as $1.45 per day to as much as $8 per day.

The premium is calculated using your age, medical maximum limit, and deductible. Including optional riders in your plan will also impact the premium amount. You can change your deductible amount and the maximum medical benefit to secure additional coverage or change the total premium charged.

The rates in the tables below were calculated using a $0 deductible. Higher deductibles will lower your rates.

Patriot Platinum Rates per Day

If you are a U.S. citizens traveling outside the United States, review the Patriot International Platinum cost per day rates. If you are a non-U.S. citizen or a U.S. citizen residing outside the U.S., review the Patriot America Platinum cost per day rates.

Patriot America Platinum

Patriot International Platinum

Rates were last updated on May 7, 2024

Related literature: Expat Insurance for Americans Abroad

Eligibility Requirements for IMG's Patriot Platinum Plan

Patriot International Platinum travel insurance is available to U.S. citizens and permanent residents traveling outside of the United States (with coverage included for brief returns to the U.S.) and for non-U.S. citizens traveling outside of their home country.

Patriot America Platinum travel insurance is available to non-U.S. citizens who will be traveling to the United States. U.S. citizens who permanently reside outside the U.S. are also eligible to purchase Patriot America Platinum for trips to the U.S.

Travelers 65 years of age and older visiting the U.S. must begin coverage within 30 days of arrival in the U.S. This requirement is waived with proof of previous valid international travel insurance.

Related literature: Seniors Travel Insurance

FAQs About the Patriot Travel Medical Insurance Plan

Can i extend my patriot travel medical insurance coverage.

You can extend your Patriot Platinum coverage for up to 36 continuous months. You must initially purchase coverage for at least one month to renew your plan. You can then extend your plan for up to one full year.

After one year of coverage, you can renew your Patriot Travel Medical Insurance plan for an additional period, up to 12 more months of coverage. This can be done multiple times for up to a total of 36 months of coverage.

Does the IMG Patriot Travel Medical Insurance plan meet Visa requirements?

Once you have applied and purchased coverage, you will be provided with a visa letter to use when applying for a visa in any country worldwide. You must determine each country's specific requirements for the coverage level required and then purchase a plan that meets those requirements.

All Patriot Travel Medical Insurance plans meet Schengen Visa requirements if you are traveling to Europe.

Which medical network do I have access to in the U.S. with my IMG Patriot America Platinum plan?

The U.S. network for travelers inside the U.S. is UnitedHealthcare . UnitedHealthcare provides travelers with direct access to the following:

• Over 1.4M physicians
• 6,797 hospitals
• Over 45,000 clinics
• 67,000 pharmacies
• 1,800 convenience clinics

Which global medical network do I have access to with my IMG Patriot International Platinum plan?

IMG's International Provider Access network provides travelers outside of the U.S. with access to quality healthcare worldwide. IMG's proprietary network provides travelers with access to the following:

• Over 18,550 physicians and facilities
• Direct billing arrangements that minimize time and upfront expense

When can I purchase an IMG Patriot Platinum plan for my upcoming travel?

You can purchase an IMG Patriot Travel Insurance policy at any time prior to your trip start date up to the day you travel if you choose.

You can apply a month or more before leaving. It is your choice. Applicants may choose to apply for the Patriot plan after their trip has begun. In this case, coverage will not be effective until the application has been approved and you have paid the applicable premium.

You can change the start and end date for your plan at any time before the current start date without any penalty. There may be an extra charge if your total number of days traveling is more than you initially purchased.

Can I cancel my IMG Patriot Platinum plan if my circumstances change and I no longer need it?

The plan administrator, IMG, will refund your premium if you cancel your policy prior to the start of your trip.

You may also request a cancellation after your trip has begun, but your request may be denied depending on the policy, the reason for cancellation, and the timing of your request.

Purchase Patriot Travel Medical Insurance Today

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Expatriate Insurance, travel insurance, travel health insurance, international travel insurance – IMG Europe Insurance

• Short-Term International Private Medical Insurance
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Long-Term Individual & Family Cover

• Global Prima Medical Insurance

Corporate Businesses/Group Cover

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Other Expatriate Insurance Plans  

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International/Expatriate Healthcare  

• International & Expatriate Healthcare
• Long-Term Individuals and Families
• Corporate Business and Groups
• Other International Plans Available

These plans are offered by the parent company of IMG Europe, IMG, under applicable U.S. law. For the FCA regulated plans of IMG Europe, please   click here.

Patriot Lite Travel Medical Insurance

Short-term travel medical insurance for individuals and families.

Click the image above to download the PDF Brochure

• 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 three months 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

Who the plan is designed for:

• Graduating seniors trips
• 65+ traveling and not covered by Medicare
• College students studying abroad
• Foreign au pairs and nannies
• Families sponsoring exchange students
• International vacationers  
• Individual or group missionaries
• Relatives visiting from overseas
• Recently arrived immigrants

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty.  IMG has developed two Patriot Lite travel medical insurance plans that offer a complete package of international benefits available 24 hours a day.  Patriot International Lite SM provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America Lite SM provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of 5 days up to a maximum of two years.

Additionally, the plans offer excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You can also choose from a wide range of deductibles, several Maximum Limits, and you have access to more than 17,000 providers when seeking treatment outside the U.S. using our International Provider Access SM (IPA).  You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization. 

Patriot Lite Travel Medical Insurance: Review and Comparison

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Patriot Lite Travel Medical Insurance is designed for budget-conscious travelers seeking reliable and affordable medical coverage during their international trips.

In this in-depth review, we’ll explore the details of this insurance plan, its advantages and disadvantages, and whether it’s the right choice for your travel needs.

In this article...

Details about Patriot Lite Travel Medical Insurance

Patriot Lite Travel Medical Insurance is a short-term international travel medical insurance plan, providing coverage for medical expenses, emergency medical evacuation , and repatriation.

The policy offers a range of coverage limits and customizable options, making it a versatile option for travelers on a budget.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

The Company Behind Patriot Lite Travel Medical Insurance

Patriot Lite Travel Medical Insurance is a product of International Medical Group ( IMG ), a leading provider of travel insurance and global assistance services.

IMG has been serving the needs of travelers for over 25 years and is known for its comprehensive coverage , competitive pricing, and exceptional customer service.

Who is Patriot Lite Travel Medical Insurance Intended For?

Patriot Lite is ideal for:

• Budget-conscious travelers seeking affordable medical coverage
• Short-term international travelers, including tourists , students, and business travelers
• Individuals who require basic medical coverage without the need for extensive trip-related benefits

How Does Patriot Lite Travel Medical Insurance Work?

When you purchase Patriot Lite Travel Medical Insurance, you’ll have the option to choose your coverage limits, deductible , and policy duration.

The policy covers eligible medical expenses incurred during your trip, up to the chosen policy limit. In case of a medical emergency, the plan also covers emergency medical evacuation and repatriation.

Advantages of Patriot Lite Travel Medical Insurance

Some key advantages of this plan include:

• Affordable pricing for budget-conscious travelers
• Customizable coverage limits and deductibles
• Emergency medical evacuation and repatriation included
• 24/7 access to IMG’s global assistance services

Disadvantages of Patriot Lite Travel Medical Insurance

On the downside:

• Limited coverage for trip-related benefits, such as trip interruption and baggage protection
• Exclusions and limitations for certain pre-existing conditions and high-risk activities

Competing Insurance Plans from Other Companies

Some alternative travel medical insurance plans to consider include:

• WorldTrips Atlas Travel : Offers a similar level of medical coverage, with additional trip-related benefits and coverage for hazardous sports
• Seven Corners Liaison Travel Medical : Provides comprehensive medical coverage, along with customizable options and trip-related benefits

Safe Travels USA Cost Saver

Safe Travels USA Comprehensive

Patriot Platinum

Visitors Care

Patriot International

Patriot America

Cost of patriot lite travel medical insurance.

The cost of Patriot Lite Travel Medical Insurance depends on factors such as your age, trip duration, coverage limits, and deductible. To get an accurate quote for your specific needs, visit IMG’s website and provide your trip details.

Plan Details

Patriot Lite Travel Medical Insurance offers the following coverage:

• Medical expenses: Coverage for eligible medical expenses incurred during your trip, up to the chosen policy limit
• Emergency medical evacuation: Covers the cost of transporting you to the nearest appropriate medical facility or your home country
• Repatriation: Covers the cost of returning your remains to your home country in case of death

What is Not Included in Patriot Lite Travel Medical Insurance?

Some exclusions and limitations in Patriot Lite Travel Medical Insurance include:

• Certain pre-existing medical conditions
• High-risk activities and sports
• Coverage for trip-related benefits, such as trip interruption and baggage protection

Recommendation: Should You Choose Patriot Lite Travel Medical Insurance?

As an expert, we recognize that Patriot Lite Travel Medical Insurance is an affordable and customizable option for travelers seeking basic medical coverage during their international trips.

However, if you require more comprehensive coverage, including trip-related benefits and coverage for high-risk activities, you may want to consider alternative plans.

Before making a decision, it’s essential to carefully review the policy wording, compare it with other travel medical insurance plans, and assess your specific needs and travel plans.

While Patriot Lite Travel Medical Insurance is a cost-effective choice for some travelers, it may not be the ideal solution for everyone.

Patriot Lite Travel Medical Insurance offers an affordable and customizable option for budget-conscious travelers seeking short-term international medical coverage.

While the plan has some limitations and exclusions, it can be an excellent choice for those who require basic medical coverage without the need for extensive trip-related benefits.

It’s essential to carefully review the policy details, weigh the advantages and disadvantages, and compare it with other travel medical insurance plans to ensure you’re making the best choice for your travel needs.

By doing so, you can travel with peace of mind, knowing that you’re protected in case of a medical emergency during your trip.

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IMG Travel Insurance Review: Flexible Options For Your Next Trip

This article may contain references to some of our advertising partners. Should you click on these links, we may be compensated. For more about our advertising policies, read our  full disclosure statement  here.

In this IMG Travel and Travel Medical Insurance review, we’ll explore what plans they offer, how they compare with each other, and which plan is best for different situations. Enjoy!

When planning a trip, it’s crucial to consider protecting your financial and physical well-being. If you’ve put down expensive, non-refundable deposits, it’s smart to protect those investments with a travel insurance policy. You might tell yourself you can’t afford it, but it’s more likely that you can’t afford to skip it .

The other major consideration is the cost of medical care outside your home country. No one likes to think about it, but what if you get injured or fall ill during your trip? Travel medical insurance covers the cost of emergency care so you can focus on getting better without worrying about the expense.

Today I’ll review IMG travel insurance and travel medical insurance. IMG offers a ton of products to meet the needs of almost any traveler. While I don’t have space to get into the nitty-gritty off all the options, I’ll focus on the main travel insurance and travel medical insurance plans to give you an idea of how they work and what’s included.

Here we go!

IMG at a Glance

• Customizable, renewable travel medical insurance
• Multi-trip travel medical plan for frequent travelers
• Travel insurance featuring trip cancellation, trip interruption, and emergency medical coverage
• Specialty travel medical plans for seniors, missionaries, U.S. visitors, and expats

IMG Travel Insurance Products

IMG offers two broad types of products: travel insurance and travel medical insurance.

Travel insurance (sometimes called trip protection) protects the investment you make in your trip. Its main features are trip cancellation and trip interruption, but it includes other benefits, too.

Trip cancellation gives you money back on your non-refundable trip costs when you need to cancel your trip for a covered reason. Trip interruption reimburses your non-refundable costs if you need to return home suddenly once your trip has started.

Travel insurance plans also typically cover some of the inconveniences that might come up when you travel. Think things like delayed flights and delayed or lost baggage. Travel insurance plans often include emergency medical coverage as well, making them well-rounded options for many travelers.

IMG offers the following travel insurance plans:

iTravelInsured Travel Lite Insurance

Itravelinsured travel se insurance, itravelinsured travel lx insurance.

The other main type of insurance IMG sells is called travel medical insurance. These policies provide temporary medical coverage when you’re traveling outside of your home country. They cover the cost of emergency medical treatment in the unfortunate event you get injured or sick during your trip.

IMG offers the following travel medical plans for coverage outside the U.S.:

• Patriot Travel International Medical Insurance

Patriot Platinum International Travel Medical Insurance

Patriot multi-trip travel medical insurance.

They also offer three travel medical plans for non-U.S. residents who need short-term medical coverage while visiting the U.S.:

• Patriot Travel America
• Patriot Plus America
• Patriot Platinum America

Although it is beyond the scope of this review to include details on these, be aware that IMG also offers specialty plans targeting international students, expats, seniors, and missionaries. Check out their website to learn more .

IMG Travel Insurance: What’s Included?

First, let’s take a closer look at the benefits included with IMG’s travel insurance plans.

Travel Lite is IMG’s entry-level plan. It offers secondary coverage, which means you have to exhaust other forms of insurance before IMG will pay a claim. Even though it’s a budget pick, it boasts impressive coverage.

Travel SE is IMG’s most popular plan. It’s suitable for domestic or international travel , including cruises. It includes all the benefits of the Travel Lite plan, but with higher levels of coverage, plus a few extra perks.

Travel LX is IMG’s deluxe travel insurance plan, providing the broadest range of benefits with the highest levels of coverage. It includes everything the Travel SE offers and more.

The biggest perks are the cancel and interrupt for any reason coverage. With the other plans, these benefits only apply when you cancel or interrupt your trip for a covered reason. The covered reasons are fairly inclusive, but you can’t beat the flexibility of being able to change your plans for any reason.

The Travel LX plan will appeal to adventure travelers, since it covers the sports and recreation activities excluded under the other plans. Those types might also be more likely to rent sporting equipment, so they might appreciate being covered for that, too.

IMG Travel Medical Insurance: What’s Included?

Now let’s take a closer look at the benefits included with IMG’s travel medical insurance plans.

Patriot Travel International Travel Medical Insurance

The Patriot Travel International plan is IMG’s most popular travel medical insurance product. It offers short-term medical coverage when traveling outside your home country and is renewable up to 24 continuous months. Maximum limits and the deductible you pay are customizable, so you can design a plan that meets your needs and your budget.

As you can see, it includes a slew of medical benefits. Be sure to visit the website to review a comprehensive list (spoiler alert: It’s long).

The Patriot Platinum plan offers the highest level of coverage of any of IMG’s international travel medical plans. It includes the same benefit categories as the Patriot plan, but in many cases, more coverage. It also adds:

• Remote transportation
• Supplemental accident
• The ability to extend coverage to up to 36 months

Note that you can add additional coverage for adventure sports to any of IMG’s travel medical plans.

The Patriot Multi-Trip plan is an ideal solution for frequent travelers . It covers all trips lasting up to 30 or 45 days in a 12-month period and is renewable for up to 36 months. Unlike the other travel medical plans, the coverage limits and benefits are not customizable.

Benefits include but are not limited to:

• Medical expenses
• Emergency dental
• Emergency and political evacuation
• Emergency reunion
• Return of mortal remains
• Return of minor children
• Accidental death and dismemberment
• Trip interruption
• Lost luggage

A Note About the Patriot America Plans

IMG offers three plans for non-U.S. residents visiting America . The Patriot Travel America, Patriot Plus America, and Patriot Platinum America offer similar benefits to the Patriot International plans, with some distinct features. Consult the certificate of insurance for specifics.

How Much Do They Cost?

The price of IMG’s plans will depend on:

• The plan you select
• The duration of coverage
• Your destination
• The value of your trip (for the travel insurance plans)
• Your desired coverage limit and deductible (for the travel medical insurance plans)

For accurate pricing, it’s best to get a quote directly from IMG. Don’t worry – it’s fast and easy on their website.

Just for fun, I tested out the system and grabbed a fast quote for a hypothetical family of four from Alabama spending a week in sunny Dominican Republic. Their ages are 38, 36, 10, and 8. Their trip costs $5,000. These are their quotes:

• iTravelInsured Travel Lite: $172
• iTravelInsured Travel SE: $196
• iTravelInsured Travel LX: $392
• Patriot Travel International: $35.02
• Patriot Platinum: $49

As you can see from those quotes, the travel insurance plans are much more expensive than the travel medical plans. That’s because the travel insurance plans include trip cancellation coverage for $5,000, which is an expensive benefit. The Travel LX plan, which is the most expensive on the bunch, includes cancellation for any reason, which is part of what drives up the cost.

IMG: What Isn’t Covered?

Certain sporting and recreational activities (except travel lx).

With the exception of the iTravelInsured Travel LX plan, IMG’s travel insurance plans don’t cover losses related to certain sporting and recreation activities that are considered adventurous. The travel medical plans come with the option of adding coverage for an extra charge, but they don’t include it by default. Consult your specific plan to see which activities are excluded. (Pssst: For incredibly inclusive adventure sport coverage, check out World Nomads ).

Anyone Who Is Pregnant, HIV+, or Disabled

The Patriot Travel Medical plans won’t cover anyone who is HIV+, pregnant, hospitalized, or disabled on the plan’s effective date. While it’s a given that people in the hospital won’t be traveling, it’s important for pregnant women and HIV+ travelers to be aware of this exclusion and look elsewhere.

> Read More: Best Travel Insurance Companies This Year

Losses Related to War

Like most travel insurance and travel medical insurance providers, IMG will not cover losses related to war, civil unrest, hostilities between nations, riots, and the like.

Pre-Existing Medical Conditions (With Some Caveats)

Generally speaking, IMG’s plans cover losses related to pre-existing medical conditions, but there are some caveats.

The definition of pre-existing medical condition varies by plan. IMG’s iTravelInsured travel insurance plans define it as a condition for which you sought care, treatment, testing, or medication in the 60 days before your plan effective date. The Patriot travel medical insurance plans define it as a condition that required treatment, testing, or medication (including a change in medication) in the 30 days before the plan effective date.

The iTravelInsured travel plans do not cover pre-existing medical conditions. However, a pre-existing condition exclusion waiver is available with the Travel SE and LX plans if you purchase it within 20 days of your initial trip payment.

The Patriot single-trip plans cover acute onset of pre-existing conditions for travelers under age 70. That means that if a condition is stable for 30 days before your policy comes into effect, but something unexpected comes up when you’re traveling, you’re covered. The Patriot Multi-Trip plan covers sudden and unexpected recurrence of a pre-existing medical condition.

Who Can Be Covered?

To be eligible for IMG’s Patriot single-trip travel medical insurance plans, you must be at least 14 days old and cannot be pregnant, HIV+, hospitalized, or disabled on the date your coverage begins. Only non-U.S. residents are eligible for the Patriot America travel medical plans. Travelers under age 76 with their own domestic health insurance policies are eligible to purchase the Patriot Multi-Trip plan.

IMG’s iTravelInsured travel plans cover travelers up to age 99 who are medically able to travel on their plan effective date.

Pros and Cons of IMG Travel and Travel Medical Insurance

Who should buy it.

• Seniors: IMG’s travel insurance plans cover travelers up to age 99, so age won’t prevent seniors from securing the protection they need. IMG also offers a product specifically for seniors that is worth checking out.
• Groups: IMG offers group rates, which means your travel posse might be eligible for a discount. Get a quote today to find out .
• Travelers Looking for One Product to Cover All Their Needs: IMG’s travel insurance plans bundle trip protection, emergency medical coverage, and convenience features. For many travelers, this is a simple solution that covers all their needs.
• Travelers Seeking Customizable Coverage: Travelers seeking to customize their medical coverage and deductible can select a travel medical plan that suits their needs and budget. The Patriot plans offer high levels of coverage that will satisfy even the most discerning traveler.
• Long-Term Travelers: IMG’s travel medical plans are renewable up to 24 or 36 months, depending on the plan. That means travelers with a case of wanderlust won’t find themselves without protection if they decide to extend their trip.
• Frequent Travelers: People who travel several times per year might benefit from IMG’s Patriot Multi-Trip Travel Medical Insurance. Rather than buying a policy for each individual trip, getting the multi-trip plan means you’ll be covered for all trips within a year.

Who Should Skip IMG?

• Anyone Who Is Pregnant or HIV+: IMG’s travel medical plans won’t cover travelers who are pregnant or HIV+ on the plan effective date. While most travel medical insurance providers will not cover claims related to routine care during pregnancy, most of the ones I have reviewed do not refuse to cover pregnant women altogether. So even if you’re trying to get pregnant, I would look elsewhere. Similarly, while many providers do not cover pre-existing medical conditions, most do not exclude people completely based on HIV status.
• Anyone Looking for Travel Insurance Lasting Longer Than 90 Days: IMG’s travel insurance (as opposed to the travel medical) plans cover trips lasting up to 90 days. If you’re planning to be away for an extended period, the travel medical plans might work for you, since they are extendable up to 24 or 36 months. Of course, the travel medical plans don’t include the same benefits as the travel insurance plans. Notably, they don’t provide trip cancellation. You might want to check out SafetyWing Travel Insurance instead.
• Travelers Looking to Bundle Trip Cancellation With Customizable Medical Coverage: When you shop IMG, you basically have to choose between two key benefits: trip cancellation and customizable medical coverage. You can get either, but not both on the same plan. If you opt for a travel insurance plan, you get trip cancellation and one-size-fits-most emergency medical coverage. If you opt for a travel medical plan, you get to choose your level of medical coverage and the deductible you’re comfortable paying, but you forfeit trip cancellation. This is the case with many providers, but it can still be a difficult decision.

How to Buy IMG Travel Insurance or Travel Medical Insurance

The easiest way to buy IMG travel insurance or travel medical insurance is on their website . Start by entering information about yourself, your traveling companions, and your trip. You’ll get a quote for all the plans that meet your needs. From there, choose the one that works best for you and purchase it online. If you need help, you can always contact IMG.

How to Make a Claim

If you need to file a claim, you can log into MyIMG to complete and submit claim forms online. Alternatively, you can mail claim forms and original itemized bills to IMG’s claims department. IMG needs to receive all relevant documents within 90 days of the service you’re claiming.

IMG Travel Insurance Plans: Are They a Good Buy?

IMG offers so many options that one is bound to suit your needs. The travel insurance plans are good all-in-one options for people who need trip cancellation coverage. Even the iTravelInsured Travel Lite, which is the entry-level offering, has solid trip protection and medical coverage. For anyone who doesn’t need customizable medical coverage or deductibles and wants to protect their trip, IMG travel insurance plans are a good buy.

Travelers who don’t need trip cancellation or trip delay can save some money and gain more control over their medical coverage by opting for travel medical insurance.

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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When you visit our website as an anonymous visitor, personal information (such as your name, address and email address) is not collected. However, we use cookie technology to collect information about how IMG’s website is used. Our server automatically tracks an online visitor’s IP address, browser version and pages visited. Cookies cannot be used to reveal your email address from your hard drive, pass on computer viruses or learn confidential or personal information about you that you have not already expressly revealed.

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Other IMG plans that may be of interest

• Patriot Platinum Travel Medical Insurance SM - Provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. For groups of two or more, see our Patriot Platinum Group Travel Medical Insurance SM plan.
• Patriot Lite Travel Medical Insurance SM - Addresses the insurance needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
• Patriot Multi-Trip SM Travel Medical Insurance - Designed for those that take multiple trips throughout the year outside their home country. It offers the ease and convenience of purchasing a single annual plan at an affordable annual premium.

For a complete list of international medical insurance plans, please click here .

Privacy Policy

Img online privacy statement.

Effective Date: December 7, 2021

This statement (the “Privacy Policy”) applies to IMG websites, services, products and applications that collect data and display these terms, owned and operated by International Medical Group®, Inc., its subsidiaries, and affiliates, including, but not limited to, a la carte Healthcare, Ltd., Global Response Ltd., IMG Europe, Ltd., iTravel Insured, Inc. and AkesoCare Management, Inc. (collectively “IMG”, “IMG®”, “we”, “us”, or “our”).

At IMG, we are committed to earning your trust by respecting and protecting the privacy of the personal information you provide to us online. The following describes how IMG collects, uses, shares and secures the personal information you provide, as well as the human resources data of our employees. It also describes your choices regarding use, access, and correction of your personal information.

If you have an unresolved privacy or data use concerns that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request .

Under certain conditions, you may be entitled to invoke binding arbitration regarding your privacy concerns when other dispute resolution procedures have been exhausted.

EU-U.S. & Swiss-U.S. Privacy Shield

The EU-U.S. and Swiss-U.S. Privacy Shield Frameworks were designed by the U.S. Department of Commerce, and the European Commission and Swiss Administration, respectively, to provide companies on both sides of the Atlantic with a mechanism to comply with data protection requirements when transferring personal data from the European Union, the United Kingdom and Switzerland to the United States in support of transatlantic commerce.

International Medical Group, Inc. and its subsidiaries and affiliates, such as iTravel Insured,  and Akeso Care Management, Inc. and International Medical Administrators, Inc., participate in and have certified their compliance with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework. We are committed to subjecting all personal data received from European Union (EU) member countries, the United Kingdom and Switzerland, respectively, in reliance on each Privacy Shield Framework, to the Framework’s applicable Principles. To learn more about the Privacy Shield Frameworks, and to view our certification, visit the U.S. Department of Commerce’s Privacy Shield List. https://www.privacyshield.gov

IMG is responsible for the processing of personal data it receives, under each Privacy Shield Framework, and subsequently transfers to a third party acting as an agent on its behalf. IMG complies with the Privacy Shield Principles for all onward transfers of personal data from the EU and Switzerland, including the onward transfer liability provisions.

With respect to personal data received or transferred pursuant to the Privacy Shield Frameworks, IMG is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Under certain conditions, more fully described on the Privacy Shield website https://www.privacyshield.gov/article?id=How-to-Submit-a-Complaint , you may be entitled to invoke binding arbitration regarding your privacy concerns when other dispute resolution procedures have been exhausted.

IMG has further committed to cooperate with the EU data protection authorities (DPAs) for EU employees, and the Swiss Federal Data Protection and Information Commissioner for Swiss employees, with regard to unresolved Privacy Shield complaints concerning human resources data transferred from the EU or Switzerland, respectively, in the context of the employment relationship.

General Data Protection Regulation (“GDPR”)

Unless stated otherwise, where and when GDPR applies to the following information, IMG is the data controller. If you are a citizen or resident of the European Union and you are visiting a website affiliated with an IMG entity, or you are an insured person through IMG, or an IMG entity administers a health plan that covers you, IMG may send your personal data to the United States for use and processing as necessary to serve you or to provide you with the best products, services and experiences possible.  If this occurs, your personal information will be transferred subject to the appropriate safeguards under UK and EU law.

Lawfulness of Processing

If you are a citizen or resident of the European Union, for personal information we gather directly from you and for information we receive about you from third parties, if you are an insured, you have been asked, and do hereby, consent to process your personal information pursuant to Article 6(1)(a) of the GDPR.  You may withdraw your consent at any time. If you are visiting our website and are not (or not yet) a customer or an insured, you have affirmatively agreed to allow us to process your information by accepting our cookie notice, which shall also qualify as consent under Article 6(1)(a).  For insureds, customers and website visitors, we will: (i) process the personal information we collect from you or that we receive from third parties about you as necessary to further IMG’s legitimate interests, which shall not override any of your fundamental rights and freedoms; (ii) for all other purposes set forth below. We will only process such information in order to send you future marketing materials about products or services in which you may have interest subject only to your express consent. If you do not provide such express consent to receive marketing communications, IMG will not process your information for this purpose. If you do provide such consent, you may withdraw it at any time.

Time periods for storing personal information: If you are a person insured through IMG, a subsidiary, or one of its clients; or an IMG entity administers an insurance plan that covers you, IMG shall retain your personal information subject to its retention schedules, which are determined by the nature of the personal information, how IMG will use the information will be used to serve you, any regulatory controls and any applicable legal or tax considerations. We will retain the information collected about your interactions with our websites for up to one year, or until you request deletion or opt out.

If you are a European citizen or resident that has visited an IMG website, and for whom IMG has gathered personal information as described below, you have a right to request access to and rectification or erasure of personal data or restriction of processing concerning the data subject and to object to processing as well as the right to data portability.  You can exercise this right by contacting our Data Protection Officer. You also have a right to lodge a complaint with the applicable EU supervisory authority.

Collecting Your Information

IMG collects many kinds of information in order to operate effectively and provide you the best products, services and experiences we can. Regardless of the source, we believe it’s important to treat the personal information with care and to help you maintain your privacy.

In correlation with your relationship with us (e.g. consumer insured or policyholder; producer or appointed representative; or other person relating to our business), we may collect the following personal information from you and your dependents:

• Name; gender; marital status; citizenship; date of birth; physical attributes; activity records such as exercise routines; current or former medical condition and health status including other factors affecting insurability; relationship to the policy holder, insured, or claimant; contact information such as email, mailing, or alternate address, telephone, mobile, fax number; affiliated company or sponsoring organization; financial information such as payment card number and billing address; government issued ID’s such as social security number; telephone recordings of calls to our representatives and call centers; unique identifiers such as certificate, group, insured or member ID, producer, and ITINnumber; education, qualifications, and previous experience for job applicants.

We may also collect from you, information about your contacts such as your beneficiaries; your medical practitioner’s name, address, and contact information; to fulfill and/or process a claim. When you provide us with personal information about your contacts we will only use this information for the specific reason for which it is provided. If you believe that one of your contacts has provided us with your personal information and you would like to request that it be removed from our database, please contact: [email protected] .

We may receive information about you from third parties from whom we have obtained data, and combine this data with information we already have about you. For European citizens and residents who wish to discover the identity of the third parties from whom we have obtained data, please contact: [email protected]. This information helps us to update, expand and analyze our records and provide products and services that may be of interest to you. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us. Example of the type of personal information that may be obtained from third parties may include, purchased marketing data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

As is true of most websites, we gather certain information automatically. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data to analyze trends and to administer the site.

IMG and its partners use cookies or similar technologies to analyze trends, administer the website, track users’ interactions with the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it will limit your use of certain features or functions on our website or service.

Contact information for IMG’s Data Protection Officer:

9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 1-800-628-4664 [email protected]

Browser Controls for “Do Not Track” and Tracking Protection

Some IMG browsers have incorporated “Do Not Track” features. Most of these features, when turned on, send a signal or preference to the web sites you visit indicating that you do not wish to be tracked. Those IMG sites may continue to engage in activities you might view as tracking even though you have expressed this preference, depending on the sites’ privacy practices.

Most web browsers have a feature related to tracking protection that helps prevent the websites you go to from automatically sending details about your visit to third-party content providers. When you add a tracking protection list, the browser may block third-party content, including cookies, from any site that is listed as a site to be blocked. By limiting calls to these sites, the browser will limit the information these third-party sites can collect about you. And when you have a tracking protection list enabled, certain browsers may send a do not track signal or preference to the web sites you visit. For more information about Tracking Protection Lists and how to find them, please see your browser’s privacy statement or help documentation.

Our Use of Cookies and Similar Technologies

IMG uses cookies and similar technologies for several purposes, depending on the case, including:

• Storing your Preferences and Settings. Settings that enable our websites to operate correctly or that maintain your preferences over time may be stored on your device. For example, if you enter your city or postal code, we may store that data in a cookie so that you will see the relevant local information when you return to the site. We also save preferences, such as language, browser, and multimedia player settings, so those do not have to be reset each time you return to the site. If you opt out of interest-based advertising, we store your opt-out preference in a cookie on your device.
• Security. We use cookies to detect fraud and abuse of our websites and services.
• Storing Information you Provide to our Websites. When you provide information, or submit an insurance application, we store the data in a cookie to remember the product and information you have added.
• Social Media. Some of our websites include social media cookies, including those that enable users who are logged in to the social media service to share content via that service.
• Feedback. IMG uses cookies to enable you to provide feedback on a website.
• Interest-Based Advertising . IMG uses cookies to collect data about your online activity and identify your interests so that we can provide advertising that is most relevant to you. You can opt out of receiving interest-based advertising at any time.
• Showing Advertising. IMG uses cookies to record how many visitors have clicked on an advertisement and to record which advertisements you have seen so you don’t see the same one repeatedly.
• Analytics. In order to provide our websites, we use cookies and other identifiers to gather usage and performance data. For example, we use cookies to count the number of unique visitors to a web page and to develop other statistics about the operations of our web properties. This includes cookies from IMG and from third-party analytics providers like Google.
• Performance. IMG uses cookies for load balancing to ensure that websites remain up and running. Some of the cookies we commonly use are listed below. This list is not exhaustive, but it is intended to illustrate the main reasons we typically set cookies. If you visit one of our websites, the site may set some or all of the following cookies:

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.

You can set your browser to block or alert you about these cookies, but some parts of the site will not function properly.

Cookies Used:

• Sitefinity CMS
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Performance & Interaction Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

All information these cookies collect is aggregated and therefore does not directly identify an individual. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

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Targeting & Advertising Cookies

These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and interactions. They do not store personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will not experience a loss of site functionality.

• DoubleClick
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• Facebook Custom Audience

More Information

In addition to the cookies IMG sets when you visit our websites, third parties may also set cookies when you visit our sites. In some cases, that is because we have hired the third party to provide services on our behalf, such as site analytics. Because your browser connects to those third parties' web servers to retrieve that content, those third parties are able to set or read their own cookies on your device and may collect information about your online activities across websites or online services.

How to Control Cookies

Most web browsers automatically accept cookies but provide controls that allow you to block or delete them. For example, in Microsoft Edge, you can block or delete cookies by clicking Settings > Privacy > Cookies. Instructions for blocking or deleting cookies in other browsers may be available in each browser's privacy or help documentation.

Certain features of IMG sites depend on cookies. Please be aware that if you choose to block cookies, you may not be able to sign in or use those features, and preferences that are dependent on cookies may be lost. If you choose to delete cookies, settings and preferences controlled by those cookies, including advertising preferences, will be deleted and may need to be recreated.

Other Similar Technologies

In addition to standard cookies and web beacons-confirms user has accessed some level of content, our products can also use other similar technologies to store and read data files on your computer. This is typically done to maintain your preferences or to improve speed and performance by storing certain files locally. But, like standard cookies, these technologies can also be used to store a unique identifier for your computer, which can then be used to track behavior. These technologies include Silverlight Application Storage.

How We Use Your Personal Information

IMG uses the personal information we collect to operate, improve and personalize the products and services we offer. Personal information collected through one IMG service may be combined with information collected through other IMG services to give you a more consistent and personalized experience in your interactions with us. We may also supplement this with information from other companies. For example, we may use services from other companies to help us derive a general geographic area based on your IP address in order to customize certain services to your geographic area.

For IMG services, we use this information to provide you with relevant search results. We also use the information we collect to maintain and improve the quality, security and integrity of our products and services. For example, we may use this information for research purposes and to improve the relevancy of search results. This information is also necessary in order to detect and protect against security threats such as botnet attacks, click fraud, worms, and other threats. We also may use the information to communicate with you, for example, informing you when an insurance contract is ending, letting you know when updates are available or letting you know when you need to take action to keep your account active.

We also may use this information to assist in the fulfillment of the insurance product you purchased or the processing and administration of any insurance claims that you may submit, including, but not limited to working with providers, handling appeals, and resolving complaints. This information may be securely transmitted to third party business partners we have engaged to adjudicate, reprice, fulfill and pay claims.. For a complete list of the third parties with whom we have or may in the future safely and securely share your personal information, please contact the Data Protection Officer (DPO).

IMG provides many of our sites and services free of charge because they may be supported by advertising. In order to make these services widely available, the information we collect may be used to help improve the advertisements you see by making them more relevant to you. For example, we may use search query data for the purpose of personalizing the ads we display to you as you use our services or those of our advertising partners. The search terms you enter are categorized and certain user segments are inferred based on those terms. For example, if you search on terms associated with sports, we may associate a “sports segment” with the unique identifier contained in your cookie, and you will then be more likely to see ads related to sports.

IMG acknowledges that you have the right to access your personal information. IMG has no direct relationship with the individuals whose personal data it processes. An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data should direct their query to IMG’s Data Protection Officer. If requested to remove data we will respond within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information or may need to retain your personal information in order to continue providing a service.

When you sign into a site or service using your IMG account, we collect certain information in order to verify your identity on behalf of the site or service, to protect you from malicious account usage, and to protect the efficiency and security of the IMG account service. If you received your account from a third party, like an employer, a producer, spouse, or the legal representative, that third party may have rights over your account, including the ability to reset your password, view your account usage or profile data, read or store content in your account, and suspend or cancel your account. In these cases, you are subject to the IMG terms of use and to any additional terms of use from that third party. If you are the administrator on behalf of an employer or producer and have provided your users with IMG accounts, you are responsible for all activity that takes place within such accounts.

All sites or services that offer or market IMG’s products are required to have a posted privacy statement, but we do not control or monitor the privacy practices of external sites, and their privacy practices will vary. You should carefully review the privacy statement for each site you sign into in order to determine how each site or service will use the information it collects.

Creating an IMG Account - Some of our websites allow you to create an IMG account by providing an email address, a password and other “account proofs,” such as an alternate email address, a phone number, and a question and secret answer. We will use your “account proofs” for security purposes only - for instance, to verify your identity in the event that you cannot access your IMG account and need assistance, or to reset your password if you cannot access the email address associated with your IMG account. Some services may require added security, and in those cases, you may be asked to create an additional security key. The email address and password that you use to sign up for your IMG account are your “credentials” that you will use to authenticate with our network.

You can use an email address provided by a third party (such as those ending in gmail.com or yahoo.com) when signing up for your IMG account. Upon creating an IMG account, we may send you an email asking you to verify that you are the owner of the email address associated with your IMG account. This is designed to verify the validity of the email address and help prevent email addresses from being used without the permission of their owners. Thereafter, we may use that email address to send you communications relating to your use of IMG products and services; we may also send you promotional emails about IMG products and services as permitted by local law.

Accessing Your Personal Information and Search History

When using a web browser, you can access and manage your information, including Search History, through the preferences page. You may clear your search history from appearing on the site by following the steps provided in see your search history. Clearing your history removes it from the Search History and prevents that history from being displayed on the web browser, but does not delete information from our standard search logs, which are retained and are replaced with artificial identifiers.

Upon request IMG will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by logging into your account or by contacting [email protected] . We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information, or may need to retain your personal information in order to continue providing a service.

Our websites are not structured to attract children. Accordingly, we do not solicit or knowingly collect any personal information from anyone who visits our websites that we know to be under 13 years of age. If we are made aware that information is or has been submitted by or collected from a child below 13, we will immediately delete their personal information. This provision does not apply to insureds, customers or other individuals on behalf of whom we provide services as a result of a customer or an insured relationship.

Other Important Privacy Information

Below you will find additional privacy information you may find important. Much of this describes common practices that we want you to know about and some of this is just stating the obvious (for example, we will disclose information when the law requires it). Please keep in mind that this information is not a complete description of our practices – this is all in addition to the other, more specific information contained in the privacy statements, agreements and releases relating to each IMG product and service you use.

Sharing or Disclosing Personal Information

Except as described in this privacy statement, we will not disclose your personal information to a third party without your prior consent and as permitted under applicable laws.

We may share your information with third parties who provide services on our behalf to help with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us. When we share information with these other companies to provide services for us, they are not allowed to use it for any other purpose and must keep it confidential. These services may include:

• Adjudicating and managing the claims process
• Payment processing to healthcare providers
• Providing customer service
• Sending marketing communications (subject only to your express consent)

In certain situations, IMG may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.We may also disclose your personal information as required by law, such as to comply with a subpoena or other legal process, when we believe in good faith that disclosure is necessary to protect the rights or property of IMG, our insureds, clients or our customers, including enforcing the terms governing your use of the services, protect your safety or the safety of others, investigate fraud, or respond to a government request. If IMG is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website, of any change in ownership, uses of your personal information, and choices you may have regarding your personal information.

In addition to any sharing described in the privacy statement for the product or service you are using, IMG may share or disclose personal information with other IMG controlled subsidiaries and affiliates. For your (opt-out) choices on this type of sharing, please contact [email protected] .

We may also share some search query data with selected third parties for research purposes. Before we do so, we remove all unique identifiers such as IP addresses and cookie IDs from the data. We also run the data through a process designed to remove identifiable information that users may have included in the search terms themselves (such as social security numbers or credit card numbers). Additionally, we require these third parties to keep the data secure and not to use the data for any other purposes.

Protecting the Security of Personal Information

IMG is committed to protecting the security of your personal information. We use a variety of generally accepted standards of security technologies and procedures to help protect the personal information submitted to us, from unauthorized access, use or disclosure both during transmission and once it is received. For example, we store the personal information you provide on computer systems that have limited-role based access and are in controlled facilities. When we transmit highly confidential information (such as a credit card number or password) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share it. If you are sharing a computer, you should always log out before leaving a site or service to protect access to your information from subsequent users. If you have questions about the security of your personal information, you can contact  [email protected] .

We may retain your information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Storage and Retention - We store search terms (and the cookie IDs associated with search terms) separately from any account information that directly identifies the user, such as name, e-mail address, or phone numbers. Further, we have built-in technological and procedural safeguards designed to prevent the unauthorized connections of this data.

We partner with a third party to display advertising on our website or to manage our advertising on other sites. Our third party partner may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests. If you wish to opt out of interest-based advertising click here or if located in the European Union click here . Please note you will continue to receive generic ads.

Furthermore, because cookies can be used for many purposes, users who object to behaviorally targeted advertising may choose to accept cookies but opt out from that particular use. Companies in the online advertising industry have developed guidelines and programs to help protect users’ privacy, and these industry programs include web pages you can visit to opt out from receiving behaviorally targeted advertisements from all participating companies (including IMG). These pages include Digital Advertising Alliance (DAA) Consumer Choice Page here and Network Advertising Initiative (NAI) Opt-Out Page here .

IMG uses Google Analytics for remarketing. When users have chosen to enable Google to associate their web and app browsing history with their Google account, and to use information from their Google account to personalize ads they see across the web, Google Analytics will collect these users’ Google-Authenticated Identifiers, which are Google’s personal data, and temporarily join them to Google Analytics data for remarketing purposes. To opt out from this data collection, you may visit here .

You may sign-up to receive email or newsletter or other communications from us. If you would like to discontinue receiving this information, you may update your email preferences by using the “Unsubscribe” link found in emails we send to you or at your member profile on our website or by contacting [email protected] .

We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, please contact [email protected] .

Our website(s) offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact [email protected] . In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our website(s) includes links to other websites whose privacy practices may differ from those of IMG. If you submit personal information to any of those websites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

You may access IMG services when using other non-IMG sites or services. These sites may use the IMG API. You should refer to the privacy policy of the site for any questions about their information collection and usage practices.

California Consumer Privacy Act

IMG does not sell your personal data to third parties and will not do so. Any data that IMG processes on your behalf is subject to your express consent or relates to services that you have asked us to perform on your behalf.

You may access, correct, or request deletion of your personal information by logging into your account or by contacting [email protected] . We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information or may need to retain your personal information in order to continue providing a service. If you believe you have other rights under the California Consumer Privacy Act or have other questions regarding your data, please contact IMG’s Data Protection Officer (DPO).

Giveaways & Sweepstakes

To read the terms and conditions for participation in IMG giveaways and sweepstakes, please click here

Changes to Our Privacy Statements

We will occasionally update our privacy statements to reflect customer feedback and changes in our services. When we post changes to a statement, we will revise the "last updated" date at the top of the statement. If there are material changes to the statement or in how IMG will use your personal information, we will notify you either by prominently posting a notice of such changes before they take effect or by directly sending you a notification (sent to the e-mail address specified in your account). We encourage you to periodically review the privacy statements for the products and services you use to learn the latest information on our privacy practices.

How to Contact Us

Questions about this Statement or about IMG’s handling of your information, please contact [email protected] , or

International Medical Group, Inc. 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 USA

Official Rules: IMG Online Purchase Survey Giveaway Sweepstakes

NO PURCHASE NECESSARY TO ENTER OR WIN. Any purchase of the products or services offered by International Medical Group ® (IMG ® ), its affiliates, or subsidiaries (“Sponsor”) will not improve your chances of winning. Any person’s entry into or participation in International Medical Group’s $100 IMG Online Purchase Survey Giveaway Sweepstakes (the “Sweepstakes”) constitutes his/her agreement with all of the terms and conditions in the Official Rules, applicable laws, and acceptance of Sponsor’s decisions, which are in Sponsor’s discretion and final and binding. All Federal, State, Local, and Municipal laws and regulations apply to the Sweepstakes. Void where prohibited by law.

PRIZE. $100 Visa gift card. The Prize is neither exchangeable, refundable, nor transferable. The winner(s) is solely responsible for all taxes and consequences associated with receiving the Prize.

ELIGIBILITY. This contest is open to adult participants worldwide; you must be at least 18 years of age to enter and not subject to 18 U.S.C. § 1033. No groups, clubs, newsletters or organizations can participate in this Sweepstakes on behalf of the group, club or organization. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be tampering with the operation of the Sweepstakes or any website, or to be acting in any manner deemed by Sponsor to be in violation of the rules; or to be acting in any manner deemed by Sponsor to be disruptive, or with intent to annoy, abuse, threaten or harass any other person.

HOW TO ENTER, ENTRY PERIOD. The entry period begins July 5th, and ends on August 5th (the “Entry Period”). Entries which are duplicates, submitted by the same person, or that are submitted before or after the Entry Period will be disqualified. If eligible, you may enter by completing all information accurately, truthfully, and correctly and submitting feedback to IMG via the Purchase survey. You may also enter by emailing [email protected] with the subject line “Purchase.” Limit one entry per person during the Entry Period.

PRIZE DRAWING. A Sponsor representative at the Sponsor’s corporate office will use Microsoft Excel to randomly select a winner. The Prize can only be redeemed once after the winner(s) is chosen. Once the Prize offered is exhausted, the Prize will expire and will be designated as “Sold Out” and/or will be deleted from any public mediums and will no longer be available for redemption. The odds of winning are not high and will depend upon the number of entrants, which is currently unknown.

NOTIFICATION, DELIVERY, CERTAIN REQUIREMENTS TO RECEIVE PRIZE. All entrants are subject to verification at the sole discretion of Sponsor. Anti-fraud detection devices may be used for verification purposes. No Prize redemption will be valid if such Prize redemption is associated with any entry or participant deemed void for any reason, including without limitation, the following: (a) the entry or participant is not verified or recognized as being validly submitted by Sponsor; (b) the entry or participant is determined to have been previously entered. It is the sole responsibility of the entrant to notify the Sponsor in writing if the entrant changes his or her e-mail or postal address during the Sweepstakes. Sponsor will attempt to contact the selected winner(s) via email within three (3) business days of the drawing. Notification is deemed effective immediately upon successful sending of the email(s). If a selected individual is found to be ineligible, declines to accept the Prize, refuses to produce documentation verifying identity, or is unable to be contacted (including failing to return emails to Sponsor) within three (3) business days of Sponsor’s email to that person, at Sponsor’s election such person may be deemed to have forfeited and/or declined any interest, right, entitlement, and/or claim to receive the Prize. To be confirmed as a winner, the selected individual(s) will be required to furnish all information required by the IRS within three business days of Sponsor’s email to that person. If all requested documents are timely received and Sponsor confirms compliance with the Official Rules, the selected individual(s) will be confirmed as the Prize winner(s), and announced publicly on Monday, August 14, 2017. The Prize will be sent within ten (10) business days of Sponsor’s confirmation of the winner(s) and receipt of any documentation required by governmental entities.

PUBLICITY, GRANT OF RIGHTS, PERSONAL INFORMATION. Except where prohibited by law, the winner(s), their spouse(s), and immediate family consent to the use of his/her name, city of residence, photograph, voice, likeness, image, content, email address, or any other aspect of his/her personality (“content”) for any advertising and/or publicity by Sponsor, its affiliates, and subsidiaries, throughout the world, in all media and means now known or hereafter discovered, in perpetuity, without any notice, approval, additional compensation or other obligation. Entrants also hereby grant Sponsor a worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare electronic messages, derivative works of, display, and perform the content in connection with Sponsor’s services and its, its successors' and affiliates’ business, including without limitation for promoting and redistributing part or all of the content (and derivative works thereof) in any media formats and through any media channels. By entering the Sweepstakes and voluntarily providing personal information, each entrant grants permission to Sponsor to collect and use such information for marketing purposes and administering the Sweepstakes. Each entrant grants Sponsor a license to share personal information with its subsidiaries and affiliates for the purpose of offering their products and services and administering the Sweepstakes.

GENERAL. Sponsor reserves the right to modify, add, subtract, suspend or cancel the Sweepstakes and/or these Official Rules, in whole or in part, without prior notice and with no obligation or liability, if for any reason, the Sweepstakes is not capable of running as planned, whether due to fraud, technical difficulties, tampering or other causes outside the anticipation or control of Sponsor. By entering this Sweepstakes, entrants agree to release and to indemnify, defend and hold harmless Sponsor, its affiliates, and subsidiaries and their owners, shareholders, members, officers, employees, agents, contractors, and representatives from any and all liability, claim, action, loss, damage or injury arising from entry and/or participation in this Sweepstakes. Sponsor reserves the right, at its sole discretion, to disqualify and seek damages from any individual it finds to be tampering with the entry process or operation of the Sweepstakes, to be acting in violation of the terms of these Official Rules, violating applicable laws, or to be acting in a non-sportsmanlike or disruptive manner. Any use of robotic, automatic, macro, programmed, third-party, or like entry methods are void and disqualify the attempt to enter the Sweepstakes.

No responsibility or liability is assumed by the Sponsor for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the Sweepstakes: hardware or software errors; faulty computer, telephone, cable, satellite, network, electronic, wireless or Internet connectivity or other online communication problems; errors or limitations of any Internet service providers, servers, hosts or providers; garbled, jumbled or faulty data transmissions; failure of any email transmissions to be sent or received; lost, late, delayed or intercepted email messaging transmissions; inaccessibility of any website in whole or in part for any reason; traffic congestion on the Internet or any website; unauthorized human or non-human intervention of the operation of the Sweepstakes, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, worms; or destruction of any aspect of the Sweepstakes, or loss, miscount, misdirection, inaccessibility or unavailability of information used in connection with the Sweepstakes. Sponsor is not responsible for any typographical or printing errors in these guidelines, or any inaccurate or incorrect data contained on any website, including without limitation, the number of prizes available, or any personal injury or property damage or losses of any kind which may be sustained to user's or any other person's computer equipment or electronic equipment resulting from online participation in the Sweepstakes, or use of or download of any information from any website. Use of any website is at user’s own risk. Without limiting the foregoing, everything on any website is provided “as is” without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement.

DISPUTES. The interpretation and enforceability of these Official Rules is governed by the laws of the State of Indiana. All disputes arising or connected to this Sweepstakes will be resolved individually, without resort to a class action, exclusively by state or federal court located in the judicial district encompassing Indianapolis, Indiana. If there is a conflict between the laws of the State of Indiana, and any other laws, the conflict will be resolved in favor of the laws of the State of Indiana. All judgments and awards in favor of a participant or winner shall be limited to the lesser of the Prize or actual out-of-pocket damages (excluding attorney’s fees) associated with the entrant’s participation in this Sweepstakes and shall not include any indirect, punitive, and/or consequential damages.

Terms of Use

Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions and eligibility requirements apply. In addition, if you are a United States or foreign citizen physically located and/or living in the United States while viewing this website, there may be certain additional restrictions, conditions and eligibility requirements that apply. Please contact IMG or your independent insurance broker/agent for details.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY USING THIS SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.

Restrictions of Materials

This site is owned and operated by INTERNATIONAL MEDICAL GROUP®. No material from this site may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work or otherwise exploited in any way without the prior written consent of INTERNATIONAL MEDICAL GROUP. The use on this site by any person of any data mining, data scraping, robot or similar process, device, software or similar or related technology is strictly prohibited. The modification or use of the materials from this site for any commercial purpose is strictly prohibited and is a violation of trademark, copyright and other proprietary rights owned by parties including INTERNATIONAL MEDICAL GROUP and its affiliates.

THE MATERIALS IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBIE UNDER APPLICABLE LAW, INTERNATIONAL MEDICAL GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. INTERNATIONAL MEDICAL GROUP DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. INTERNATIONAL MEDICAL GROUP DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT INTERNATIONAL MEDICAL GROUP) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATING IN ANY WAY TO YOUR USE OF THIS SITE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Google Translation

Translations of pages on the IMG website are performed by Google Translate, a third-party service over which IMG has no control. Google Translate is a free online language translation service that can translate text and web pages into different languages. Computerized translations are only an approximation of the website's original content. The translation should not be considered exact and in some cases may include incorrect, incomplete or offensive language. IMG does not warrant the accuracy, reliability or timeliness of any information translated by Google Translate. In addition, some applications, files or items cannot be translated, including but not limited to graphs, photos, drop-down menus or portable document formats (pdfs).

Please be aware that when a translation is requested, you will leave the IMG website. IMG does not endorse the use of Google Translate and there are other translation services may also be used to view our site. Any person or entities that obtain or rely upon information obtained from the Google Translate service does so at his or her own risk. When a translation is complete, you assume the risk of any inaccuracies, errors or other problems encountered. IMG is not responsible for any liability, damage or issues that may possibly result from using Google Translate.

If you have any questions about Google Translate, please click the following link: Google Translate FAQs.

Limitation of Liability

Under no circumstances, including but not limited to negligence, shall INTERNATIONAL MEDICAL GROUP be liable for any indirect, special, incidental, consequential or other damage, including, but not limited to, loss of data or lost profits, which result from the use of, or the inability to use, the materials in this site, even if INTERNATIONAL MEDICAL GROUP or an INTERNATIONAL MEDICAL GROUP authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. Notwithstanding the above, in no event shall INTERNATIONAL MEDICAL GROUP's total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this site.

Unsolicited Creative Submissions

NTERNATIONAL MEDICAL GROUP welcomes comments regarding its products and services. However, INTERNATIONAL MEDICAL GROUP's policy is not to accept or consider creative ideas, suggestions, or materials other than those it has specifically requested. We hope you will understand that it is the intent of this policy to avoid misunderstandings when projects developed by INTERNATIONAL MEDICAL GROUP's very productive staff are similar to someone else's creative work. Accordingly, we must ask that you not send us any such ideas. While we do value your feedback on our products and services, we request that you limit your comments to our products and services, and not submit any creative ideas, suggestions or materials. If, despite our request that you not do so, you send us creative suggestions, ideas, notes, drawings, concepts or other information ("Information"), that Information shall be deemed, and shall remain, the property of INTERNATIONAL MEDICAL GROUP. None of the Information shall be subject to any obligation of confidentiality on the part of INTERNATIONAL MEDICAL GROUP and INTERNATIONAL MEDICAL GROUP shall not be liable or owe any compensation for any use or disclosure of the Information, subject only to applicable copyright or patent laws of the United States.

Termination

This agreement regarding the legal restrictions and terms of use for this website is elective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all INTERNATIONAL MEDICAL GROUP site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from INTERNATIONAL MEDICAL GROUP if, in INTERNATIONAL MEDICAL GROUP's sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other INTERNATIONAL MEDICAL GROUP site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

Patient Protection and Affordable Care Act (PPACA)

IMPORTANT NOTICE: Our insurance is not subject to, and does not provide benefits required by, PPACA. PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew our products, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is solely your responsibility to determine if PPACA is applicable to you.

This agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both Parties.

Service Marks

The marks, designs and logos listed and displayed below, and/or as otherwise used and published on this Website, are the trademarks, service marks and/or registered marks of International Medical Group, Inc. and/or its subsidiaries in the United States and/or other countries. All rights and interests in and to such marks, designs and logos are fully reserved for all purposes.

ACM® AKESO® AKESO CARE MANAGEMENT® COVERAGE WITHOUT BOUNDARIES® CREWSELECT INTERNATIONAL℠ EUROGLOBAL DAILY INDEMNITY® EUROGLOBAL MEDICAL INSURANCE® EUROGLOBAL TERM LIFE INSURANCE® EUROGLOBAL® FAMILY MATTERS® GEO℠ GROUP GLOBAL CREW MEDICAL INSURANCE® GLOBAL EMPLOYER'S OPTION℠ GLOBAL MEDICAL INSURANCE® GLOBAL MISSION BASIC® GLOBAL MISSION MEDICAL INSURANCE℠ GLOBAL PEACE OF MIND® GLOBAL SENIOR PLAN® GLOBALFUSION℠ GLOBALSELECT® GLOBEHOPPER® HEADSTART® ICM® IMG® IMGLOBAL® INSURANCE WITHOUT BOUNDARIES® INTERNATIONAL MARINE MEDICAL INSURANCE℠ INTERNATIONAL MEDICAL GROUP® ITRAVELINSURED® LARGE COMPANY RESOURCES, SMALL COMPANY ATTITUDE® MEDICAL COVER WITHOUT BOUDARIES® MISSION + PLUS INTERNATIONAL® MP+INTERNATIONAL® MYIMG℠ OUTREACH AMERICA℠ OUTREACH INTERNATIONAL℠ OUTREACH TRAVEL MEDICAL INSURANCE℠ PASSPORT PROTECTION PLUS® PATRIOT AMERICA® PATRIOT ADVENTURE℠ PATRIOT EXECUTIVE® PATRIOT EXTREME® PATRIOT GOTRAVEL℠ PATRIOT GOTRAVEL℠ GROUP PATRIOT GREEN TRAVEL MEDICAL INSURANCE℠ PATRIOT GREEN GROUP TRAVEL MEDICAL INSURANCE℠ PATRIOT GREEN℠ PATRIOT GREEN GROUP℠ PATRIOT GROUP TRAVEL MEDICAL INSURANCE® PATRIOT INTERNATIONAL® PATRIOT MULTI-TRIP℠ PATRIOT PLATINUM TRAVEL MEDICAL INSURANCE℠ PATRIOT PLATINUM GROUP TRAVEL MEDICAL INSURANCE℠ PATRIOT PLATINUM℠ PATRIOT PLATINUM GROUP℠ PATRIOT T.R.I.P.® PATRIOT T.R.I.P.® ELITE PATRIOT T.R.I.P.® STUDENT PATRIOT TRAVEL MEDICAL INSURANCE® PATRIOT® REPATRIOT® SELECTAPLAN® STUDENT HEALTH ADVANTAGE℠ VISITORS CARE® WE'RE THERE WITH YOU℠ YOUR$HARE® (stylized) YOURSHARE®

Foriegn Marks

AKESO® / European Community EUROGLOBAL® / CTM EUROPEAN UNION (Word Mark) GLOBAL SELECT® / European Community GLOBAL SELECT℠ / CHINA HEADSTART® / European Community HEADSTART℠ / CHINA IMG AND DESIGN®/ BRAZIL (Block) IMG AND DESIGN®/ COLUMBIA (Block) IMG INTERNATIONAL MEDICAL GROUP AND DESIGN® / ARGENTINA (Letterhead) IMG INTERNATIONAL MEDICAL GROUP AND DESIGN® / European Community IMG INTERNATIONAL MEDICAL GROUP® / CTM European Community(Letterhead) IMG® AND DESIGN / Argentina (Block) IMG® AND DESIGN / CHILE (Block) IMG® AND DESIGN / COSTA RICA (Block) IMG® AND DESIGN / CTM EUROPEAN UNION (Block) IMG® AND DESIGN / ECUADOR (Block) IMG® AND DESIGN / EL SALVADOR (Block) IMG℠ AND DESIGN / VENEZUELA (Block) PATRIOT AMERICA® / EUROPEAN COMMUNITY PATRIOT INTERNATIONAL℠ / EUROPEAN COMMUNITY VISITORS CARE℠ / EUROPEAN COMMUNITY

Follow the instructions below to upload a group census.

• Click the "Download a Sample file" to download a template.
• The Header row within the spreadsheet must match the template exactly.
• For the "Type" column, the allowed values are: primary, spouse and child.
• The start and end date must be entered for every primary insured.
• A “Start Date” and “End Date” cannot be specified for a child or spouse. If the spreadsheet contains a value for the child or spouse, then the value must be the same as the corresponding value for the primary.
• The following date formats are allowed: "mm/dd/yyyy", "MM-DD-YYYY" and "dd-mon-yyyy".
• When entering a spouse or child, they must be listed directly after their primary insured.
• Please use the 3-digit ISO abbreviations for the countries. Click on the "Country abbreviation list" for a list of abbreviations.
• Only valid characters are allowed along with the following special characters: comma, period, hyphen.
• Complete the spreadsheet by entering all insureds.
• Save your spreadsheet as a Comma Separated Value type (.csv).
• The maximum file size is 40 KB (approximately 500 insureds).
• If this plan does not have special pricing for Spouses or dependents, then everyone will be loaded as a primary insured.
• When complete, click the "Upload" button and browse to your census spreadsheet to upload your census.
• Click on the "Clear" button to remove a previously loaded census.

Search When autocomplete results are available use up and down arrows to review and enter to select.

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

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International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

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Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, img shares 2024 summer travel trends and top destinations.

• IMG reviewed the travel itineraries of more than 23,000 of its members with upcoming travel plans between June 1 st and August 31 st of 2024 to determine emerging travel trends this summer.

INDIANAPOLIS (May 14, 2024) – IMG (International Medical Group), an award-winning global insurance benefits and assistance services company, has conducted a review of customer travel plans from the beginning of June to the end of August and predicts this summer’s top 5 international destinations for U.S. travelers will be:

• Dominican Republic

Many summer travelers are taking international vacations with their whole family in 2024. Between June 1 st and August 31 st of 2024, IMG data shows a 7% increase in the number of travel protection plans sold including at least one child compared to the same timeframe in 2023. Those planning to travel and vacation this summer will also be taking trips averaging 8 days in length .

“In the U.S., the summer months are an incredibly popular time for families to plan fun getaways together since school is out and the weather has turned warmer for the majority of the country,” said Grant Hayes, IMG Director of International Sales – Travel. “Tropical locations such as Mexico and Aruba are often going to be at the top of the list for travelers, but many European destinations, such as Italy, are also expected to be popular spots for travelers this summer.”

IMG data shows that travelers are continuing to increase the amount they are spending on their trips, with a 7% increase in the average insured trip cost among IMG travelers this summer compared to last summer. Increased spending means more travelers needing to protect their investment for highly anticipated summer trips.

“Whether people are traveling internationally or domestically for their summer trips, it is critical that they have the proper travel insurance plan in place to protect both their trip investment and their family in the event of the unexpected,” said Justin Poehler, IMG Chief Commercial Officer.

To learn more about IMG's award-winning travel and health safety solutions, please visit  www.imglobal.com .

About  IMG® ( International Medical Group®) IMG® (International Medical Group®), a SiriusPoint company, is an award-winning global insurance benefits and assistance services company that has served millions of members worldwide since its founding in 1990. The preeminent provider of travel and health safety solutions, IMG offers a wide range of insurance programs, including international private medical insurance, travel medical insurance, and travel insurance, as well as enterprise services, including insurance administrative services and 24/7 emergency medical, security, and travel assistance. IMG’s world-class services, combined with an extensive product portfolio, provide Global Peace of Mind® for travelers, students, missionaries, marine crews, and other individuals or groups traveling, working, or living away from home. For more information, please visit  www.imglobal.com .

Media Contact: Carly Kessler, IMG Public Relations Specialist, [email protected]

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