IMG (International Medical Insurance Group) is one of the most popular companies offering health, life, travel and indemnity insurance to the international community. IMG provides international medical insurance products for vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. They offer comprehensive ranges of major medical, life, dental and disability products that can be tailored to meet individual specifications.
They have established a number of subsidiary companies: IMG-Stop LossSM, Akeso Care Management, IMG Europe and The IMG Foundation.
IMG provides complete plan administration expertise with the help of globally recognized underwriter, Sirius International Insurance Corporation, who offers the financial security and reputation demanded by international consumers. It is Rated A (excellent) by A.M. Best and A- by Standard & Poor's*
Easily manage your IMG insurance policy online by logging on to MyIMG to renew or extend your policy, download your policy ID card, make any necessary corrections to your policy, obtain a visa letter, locate healthcare providers, and more. To log on, simply enter your policy information as requested.
IMG Travel Medical Insurance Plans
Global Crew Medical
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage
- Plan Flexibility
- Choice of Coverage Area
- Freedom to Choose Your Health Care Provider
- Travel Intelligence Services
- Assistance Services
Eligibility
- Individual coverage for professional marine captains and crew members working at sea
- For US and non-US citizens residing outside the United States
- Available for those under the age of 75
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
Benefits
- Covid-19 coverage for traveling to the USA. This plan will cover Covid-19 the same as any other eligible medical condition
- After the deductible, the plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% of eligible medical expenses up to $5,000, then 100% thereafter
- After the deductible, outside the USA, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Optional Adventure Sports Rider
- Optional Evacuation Plus Rider
Eligibility
- For international travelers traveling outside of their home country
- Travelers who are US or non-US citizens under the age of 75
- Up to 3 years of coverage with 30-day and 45-day trip length options.
Purchase Restrictions
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Outreach Travel Medical insurance
Limited Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- Covid-19 Coverage
- After the deductible within the USA, plan pays 90% of the first $5,000, then 100% up to policy maximum within the PPO network; outside the PPO network, plan pays 80% of the first $5,000, then 100% up to policy maximum.
- After the deductible outside of the USA, the plan pays 100% up to the policy maximum
- Emergency Medical Evacuation
- Emergency Room Services
- Emergency Dental Treatment
- Renewable
Eligibility
- For US and non-US citizens traveling for international outreach outside of their home country
Purchase Restrictions
- For those 65 years of age and older and visiting the U.S., initial period of coverage must begin within 30 days of arrival in the U.S.
Global Medical Insurance
Limited Coverage, Rated A- (Excellent)
Underwriter: Sirius International
Benefits
- COVID-19 Coverage
- Policy maximum up to $8,000,000
- Covers up to $8,000,000 for emergency evacuation
- Covers up to $50,000 for return of mortal remains
- Covers vision exams up to $100 and vision materials up to $150 per 24 months
- Optional add-on: Global Term Life Insurance, Global Daily Indemnity, Maternity (Silver, Gold & Gold Plus options), Terrorism (Platinum option), Sports (Gold Plus & Platinum option), Dental & Vision (Silver, Gold & Gold Plus options)
Eligibility
- Expats between the age of 14 days and 74 years
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Chinese citizens with Chinese residence are not eligible
Student Health Advantage - Platinum
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays 80% for first $5,000, and 100% thereafter
- Long-term medical coverage up to 5 years
- Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
- Maternity coverage
- Pre-existing Conditions
- $25 Deductible per Injury or Illness (Outside U.S. and in U.S. PPO Network)
- Optional Adventure Sports Rider
Eligibility
- For J1, M1, F1 or A1 visa holders
- For ages 31 days old to 64 years
- Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
- Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
- Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
- Meets student visa requirements
- Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Student Health Advantage - Standard
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays 80% for first $5,000, and 100% thereafter
- Long-term medical coverage up to 5 years
- Coverage for $300,000 per incident for individuals and groups, $100,000 for their dependents
- Maternity coverage
- Optional Adventure Sports Rider
Eligibility
- For J1, M1, F1 or A1 visa holders
- For ages 31 days to 64 years
- Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
- Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
- Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
- Meets student visa requirements
- Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot Exchange
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum per incident within the United Healthcare PPO network
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Satisfies U.S. J1 and J2 visa requirements
- For students and scholars studying abroad or participants of cultural exchange programs
- Provides Family Coverage
- Optional Limited High School and College Sports Rider
- Pre-Existing Conditions: No Coverage
Eligibility
- For international travelers on a J1/J2, M, F, or A visa
- For those ages 31 days to 64 years
- Coverage for a minimum 30 days up to a maximum of 48 continuous months
- Extendable for up to 48 months
- If initially purchased for a minimum of one month or more, coverage may be extended
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Kosovo (XKX), North Korea (PRK), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Benefits
- Emergency Medical Evacuation
- Emergency Room Services
- Urgent Care Visits
- Diagnostic and Preventative Services
- Vision Care coverage
Eligibility
- For groups of two or more internationally assigned employees
- For employers with employees who are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world
Purchase Restrictions
- Not available for non-U.S or Canadian citizen
Best Seller
CoverAmerica - Gold®
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Best for:
COVID-19 CoverageVisitors to the USA
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
- Quarantine Indemnity
- Influenza (flu) shot
- No Cancellation Fee
- No Extension Fee
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S. residents and non U.S. citizens, while traveling to the United States and for incidental trips to Canada, Mexico, Latin America, Bahamas and South America
- For Ages 14 days to 79 years
- Coverage for minimum of 5 days up to 365 days
- Must purchase a minimum of 30 days of coverage prior to leaving the country of residence to be eligible for the Public Health Emergency Screening (COVID-19 Test) benefit.
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
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ChoiceAmerica®
Limited Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Budget planLimited Pre-existing Conditions
Benefits
- COVID-19 Coverage
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
- Pre-Existing Condition Coverage: Optional Pre-Existing Rider
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage: Optional Vision Rider
- Emergency Dental Coverage: Optional Dental Rider
- Prescriptions/Medication
- Influenza (flu) Vaccination
- Optional Adventure Sports Rider
Eligibility
- For non U.S residents and non U.S citizens, traveling to the United States, Mexico or Canada
- For ages 14 days to 79 years
- Coverage for minimum of 5 days up to 365 days
- Extendable up to 365 days
- To qualify for coverage, you must not be a citizen permanent resident of the host country you are traveling to (U.S, Mexico, or Canada)
- Must purchase a minimum of 30 days of coverage to be eligible for the optional Pre-Existing Condition Rider
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Europe Travel Plus
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Schengen Visa RequirementTravelers to Europe
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation and Repatriation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Fulfills all Schengen Visa Requirements
- Instant Visa Letter for Schengen Visa Application
- Coverage for entry denial into Europe
- Pre-Existing Conditions: No Coverage
Eligibility
- For travelers visiting Europe
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 6 months
- Extendable for up to 180 days
- If you are purchasing this plan for Schengen visa purposes, select a zero dollar ($0) deductible
- Renewal option available up to a maximum of 6 months
- Incidental Trip within USA for up to 14 days, while transiting to or from Europe
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS), Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot Platinum International
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For U.S & non U.S residents traveling internationally, excluding the USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Kosovo (XKX), Puerto Rico (PRI), Russia (RUS), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot International Lite
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For U.S & non U.S residents traveling internationally, excluding the USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Kosovo (XKX), Puerto Rico (PRI), Russia (RUS), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot America Plus
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
U.S citizens visiting the USAGreencard holders visiting the USA
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S residents traveling to the USA and internationally and for U.S citizens living abroad visiting for a short period
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
- Temporary coverage for green card holders visiting the USA for a short trip
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot Platinum
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; Outside the PPO network, plan pays 90% of eligible medical expense up to $5,000, then 100% thereafter
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S residents traveling to the USA and internationally and for U.S citizens living abroad visiting for a short period
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot America Lite
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Excluded
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S residents traveling to the USA and internationally and for U.S citizens living abroad visiting for a short period
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
- Temporary coverage for green card holders visiting the USA for a short trip
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
GlobeHopper Senior
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- After the deductible, plan pays 100% up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Hospital Indemnity
- Home Nursing Care
- Lost Checked Luggage
- Optional Evacuation Plus Rider
- Pre-Existing Conditions: No Coverage
Eligibility
- For U.S Citizens or U.S. permanent residents traveling outside of the United States
- For ages 65 to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
- Qualified for Medicare and actively enrolled in Medicare Parts A & B and a Medicare Supplement plan; or actively enrolled in a Medicare Advantage Plan
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Puerto Rico (PRI), Russia (RUS), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot America Plus Group
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius International
Benefits
- Covid-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Examination
- Emergency Dental Accident
Eligibility
- For non U.S residents traveling internationally, including the USA.
- Coverage for minimum of 5 days to a maximum of up to 365 days.
- Coverage is available for those up to the age of 99
Purchase Restrictions
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Best Seller
USVisit-Pro®
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)Visitors to the USA
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 80% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 60% of the URC for eligible medical expenses up to the policy maximum
- Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Border Entry Protection
- Telehealth Services
Eligibility
- For visitors traveling to the United States
- For ages 14 days to 74 years
- Coverage for a minimum of 60 days up to 180 days
- Not Extendable
- Must purchase policy before departing home country
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Visitors Protect
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)Visitors to the USA
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 75% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 60% of the URC for eligible medical expenses up to the policy maximum
- Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Prescriptions/Medication
Eligibility
- For visitors traveling to the United States
- For ages 14 days to 99 years
- Coverage for a minimum of 90 days up to 365 days
- Not Extendable
- Must purchase policy before departing home country if traveling to the U.S
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Botswana (BWA), Canada (CAN), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Mexico (MEX), Niger (NER), Nigeria (NGA), North Korea (PRK), Pakistan (PAK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot Group Exchange
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network up to the policy maximum per incident
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Satisfies U.S. J1 and J2 visa requirements
- For students and scholars studying abroad or participants of cultural exchange programs
- Optional Limited High School and College Sports Rider
- Pre-Existing Conditions: No Coverage
Eligibility
- For international travelers on a J1/J2, M, F, or A visa
- For those ages 31 days to 64 years
- Coverage for a minimum 30 days up to a maximum of 48 continuous months
- Extendable for up to 48 months
- If initially purchased for a minimum of one month or more, coverage may be renewed
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Patriot Group Travel
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius International
Benefits
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% of eligible medical expenses up to $5,000, then 100% thereafter
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Examination
- Emergency Dental Accident
- Hospital Indemnity
Eligibility
- For non U.S residents traveling internationally, including the USA.
- Coverage for a minimum of 5 days to a maximum of up to 365 days.
- Coverage is available for those up to the age of 99
Purchase Restrictions
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Featured
Visitors Care
Limited Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
- Acute Onset of Pre-Existing Condition Coverage:
- Emergency Medical Evacuation
- Urgent Care Visits
- Outpatient & Inpatient Services
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For non U.S residents and non U.S citizens traveling to the U.S
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
Depending on your travel needs, there may be several choices and products available from IMG Insurance. If you have any specific questions about International medical group insurance or IMG travel insurance policies, contact our Customer Success Team.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.