PATRIOT TRAVEL & PATRIOT EXECUTIVE MEDICAL PLANS
(Short-term, Individual & Multi-trip International Plans):
Q: How do I apply for the Patriot Travel Medical & Patriot Executive Plans? How do I know this is the policy I need for my particular set of circumstances?
Q: Aren't there three different Patriot Travel Medical Plans to choose from? How do I know which plan is for me?
A: Yes. Patriot International, Patriot America & ExPatriot Plus. Use our SelectaPlan to determine which of the three plans is right for you. Patriot International plan is only for US citizens traveling outside the US. Patriot America plan is only for non-US citizens and allows for travel anywhere world-wide, even the US and their home country of citizenship (see the optional Patriot Return Rider). The ExPatriot Plus plan is for both US and non-US citizens that plan on traveling for at least 3 months or more. You get a premium savings of 10% off the Patriot International and America plans with ExPatriot Plus !
Q: With the Patriot International and Patriot America plans I noted the minimum coverage is for 10 days. Can I still get coverage for my one week cruise in the Caribbean?
A: Absolutely. But you will pay for the minimum 10 day rate. There are both daily rates and monthly rates. Contact us if you have questions.
Q: What is actually covered under this type of short-term medical insurance plan?
Q: Are maternity and newborn coverage benefits included?
A: Being pregnant is considered a pre-existing medical condition. Maternity and newborn are not covered with any short-term medical insurance plans, even if not pregnant at time of initial coverage. You may request a copy of the insurance certificate or brochure to learn more about exclusions.
Q: There are a group of 6 friends that are going on an African Safari. Is there Group Travel Insurance for this situation rather than all six individually getting coverage?
Q: After applying, how long will it take to get approved?
A: Applying online is by far the quickest means to process your application. If applying on-line with our SelectaPlan secure server, you typically will receive confirmation within one hour, during business hours. Our online fulfillment option will ensure that your fulfillment packet will be sent to any valid email address provided in the online application process.
Q: Are faxed, paper applications for Patriot Travel and Patriot Executive accepted?
A: Yes. Please fax entire application to IMG headquarters @ 1.317.655.4505.
Q: I would like to purchase the policy. Do you require payment before my application is approved?
A: Yes. For the Patriot Travel plans, our carriers accept only MasterCard, Visa, American Express or personal check for full payment amounts. Make personal checks payable to IMG.
Q: Are the deductibles and co-insurance different depending on where I am residing in the world?
A: Yes. For eligible expenses incurred in the US and Canada -once the deductible is met, the plan pays 80% of the next US$5,000 in eligible expenses then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred outside of the US and Canada: once the deductible is met, the plan will pay 100% of eligible expenses up to the policy maximum. NO Coinsurance is paid outside the US and Canada!
Q: If I am a citizen of India and decide to visit family in the US, am I covered if I also travel to Canada? Do I need the Patriot America plan? Will I be covered in my country of citizenship, India?
A: Yes to all the above.. You will be covered World-Wide, including the US. Take note that in order to be covered in your country of citizenship, you will have to add an additional rider called Patriot Return Option for an additional 5% of the base premium. Patriot Return provides temporary medical coverage for non-US citizens returning to their country of citizenship. The insured person must be outside his/her country of citizenship at time of application to get the Patriot Return Optional Rider added.
Q: Are there any special discounts on premiums?
A: Yes. If you intend to travel for at least 3 months, then you may wish to use the ExPatriot Plan , which offers a 10% discount on rates and is also renewable, whereas the Patriot International and Patriot America plans are only able to be re-written..
Q: Do you offer special Terrorism Insurance coverage?
A: Yes - this is a new product rider that is only available with the Patriot Travel, Patriot Executive & Outreach Travel Medical Insurance plans. The Terrorism Rider Option will add an additional 25% to the premium base. Click here to learn more about the Terrorism Rider Option. Be aware that certain US State Department Warnings may limit coverage in certain areas of the world. Contact us if you have any questions.
