All amounts shown are in U.S. dollars.
|Maximum Limits||$1,000,000, $5,000,000, $8,000,000|
|Individual Deductible||Your choice of $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000|
|On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information.|
|Family Deductible||Three times the individual deductible|
|Coinsurance||As described below|
|For treatment received outside the U.S. & Canada: No Coinsurance |
For treatment received within the U.S. & Canada:
|Benefit Period||12 months|
|If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the twelve-month Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than twelve months before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limit and the other terms of the plan until there have been twelve months of continuous coverage for the covered injury or illness.|
|Global Concierge & Assistance ServicesSM||Access to a dedicated service team for assistance services|
|MyIMGSM||24 hour secure access from anywhere in the world to manage your account at anytime|
|eDocAmerica||Access to board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians and fitness trainers to assist with any routine health related questions|
|World-class Medical Benefits||Premium coverage available for in-patient and out-patient medical expenses|
|International Emergency Care||A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more|
|MEDICAL BENEFITS||Usual, reasonable and customary charges, subject to deductible and coinsurance when applicable|
|Hospital Room and Board||Up to the Maximum Limit|
|Intensive Care||Up to the Maximum Limit|
|Medical Expenses||Up to the Maximum Limit|
|Out-patient Medical Expenses||Up to the Maximum Limit|
|Local Ambulance||Up to the Maximum Limit|
|Emergency Room Accident||Up to the Maximum Limit|
|Charges incurred for the use of the Emergency Room due to an accident are covered up to the Maximum Limit. |
|Emergency Room Illness with In-patient Admission||Up to the Maximum Limit|
|Charges incurred for the use of the Emergency Room for treatment of an illness are covered up to the Maximum Limit if treatment requires admission to the hospital.|
|Emergency Room Illness without In-patient Admission||Up to the Maximum Limit with additional $250 deductible|
|Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.|
|Dental||As described below|
|Injury due to an accident: Each Patriot Platinum plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit. |
Sudden dental emergency: Each plan will pay up to $250 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
|Hospital Daily Indemnity||Up to $250|
|Each plan pays $250 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit.|
|Supplemental Accident||Up to $300|
|Each Patriot Platinum plan provides up-front, additional protection for unexpected injuries. This benefit provides up to $300 of first-dollar benefits for treatment of an injury.|
|INTERNATIONAL EMERGENCY CARE||(when coordinated through the Plan Administrator)|
|Emergency Evacuation||Up to the Maximum Limit|
|ThePatriot Platinum plans offer coverage for Emergency Medical Evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Maximum Limit.|
|Emergency Reunion||Up to $100,000|
|Each Patriot Platinum plan also offers Emergency Reunion coverage, up to $100,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.|
|Return of Mortal Remains |
|Up to $100,000 for Return of Mortal Remains, or $5,000 for Cremation/Burial|
|If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $100,000; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.|
|Return of Minor Children||Up to $100,000|
|If a covered illness/injury results in a hospitalization and/or death and the insured person is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Platinum plans will pay up to $100,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).|
|Political Evacuation||Up to $100,000|
If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, orders the evacuation of all non-emergency government personnel from the host country, due to political unrest, that becomes effective on or after the insured person’s date of arrival in the host country, the Company pays up to a $100,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the insured person’s home country or country of residence provided that:
In no event will the Company pay for a political evacuation if there is a travel warning in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.
To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.
|Natural Disaster||$250 per day for five days|
|This benefit is available in the event an insured person is required to depart his/her destination due to an evacuation order issued prevailing authorities in connection with a Natural Disaster. Natural Disaster is defined as widespread disruption of human lives disasters such as flood, drought, tidal wave, fire, hurricane, earthquake, windstorm, or other storm, landslide, or other natural catastrophe event resulting in migration of the population for its safety.|
|Remote Transportation||$5,000 per certificate period |
$20,000 lifetime maximum
|In the event of a diagnosis of a critical medical condition which is not necessarily immediately life-threatening, but severe enough to result in death or a permanent disability if not treated right away, Remote Transportation will provide for eligible charges arising out of the transportation of an insured person to a qualified facility for further treatment (if the current facility is unable to provide such treatment). |
To be eligible for the Transportation, Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.
|Identity Theft Assistance||Up to $500|
|If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order to impersonate or obtain credit, merchandise or services in the insured person’s name, the Patriot Platinum plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen identity event; notarization of legal documents, long-distance telephone calls, and postage that has resulted solely as a result of reporting, amending and/or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person’s knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.
The identity theft event must occur during the Period of Coverage.
|Lost / Theft |
(luggage, valuables, personal papers)
|Up to $500|
|A benefit of up to $500 is payable in the event that damage to, loss of, or theft of your checked or stored baggage or personal items by a common carrier or while stored with your hotel and the replacement costs of travel documents.|
|Felonious Assault||Up to $10,000|
|If you are injured as a result of a Felonious Assault while traveling outside of your home country, each plan pays up to $10,000. This benefit is in addition to any other benefit available under Patriot Platinum.|
|Terrorism||Up to the Maximum Limit|
Each Patriot Platinum plan plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims up to the maximum limit. Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person's date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.
This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person's arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.
|Sports & Leisure Activities||Up to the Maximum Limit for basic sports|
Each Patriot Platinum plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activities (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/orsanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee, and or Adventure Sports.
Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.
|Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only)||Click for more information|
(U.S. citizens only) For those up to age 65 with a primary health plan, Patriot Platinum International will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on the Exclusions page) up to the plan maximum. For those without a primary health plan, Patriot Platinum International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with or without a primary health plan, Patriot Platinum International will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Patriot Platinum plan, and the Pre-existing Condition must be covered under the primary health plan
|Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for non-U.S. citizens only)||Click for more information|
(Non-U.S. citizens only) For those under age 65, Patriot Platinum America will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those age 65 and older, Patriot Platinum America will pay up to $2,500 lifetime maximum.
|Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation||Click for more information|
In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.
|Incidental Home Country Coverage||Up to a cumulative two weeks|
|During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their home country, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.|
|End of Trip Home Country Coverage||One month for every four months of travel coverage, up to a maximum of three months|
|For every four months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of three months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).|
|Trip Interruption||Up to $10,000|
|If, during a covered trip, there is an unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Platinum plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.|
|Common Carrier Accidental Death||$100,000 per adult, $25,000 per child, maximum of $250,000 per family|
|If accidental death should occur while traveling on a commercial Common Carrier, $100,000 per adult and $25,000 per child is payable to the designated beneficiary, to a maximum of $250,000 per family.|
|Accidental Death & Dismemberment||$50,000 principle sum|
|Each Patriot Platinum plan offers a $50,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of coverage:
|Small Pet Common Air Carrier Accidental Death||Up to $500|
|A benefit of up to $500 will be paid in the event of loss of life to a small pet while traveling with a covered insured on a common air carrier. This covers the pet while on the insured’s originating flight from his/her home country, and returning flight to the insured’s home country only. A small pet is a cat or dog up to 30 pounds in weight.|
* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.