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Patriot Adventure℠ Travel Medical Insurance

For Individuals and Families

Patriot Adventure Travel Medical Insurance 2017-09-11T14:49:21+00:00

Project Description

Patriot Adventure℠ Travel Medical Insurance

Individual & family – Available from 15*  days up to six months for adventure sports enthusiasts.

Short-term medical coverage for those traveling abroad who also intend to participate in non-contact amateur athletic activities and a select group adventure sports.

Patriot Adventure is travel insurance designed for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country.

See more benefits and highlights below.

*After one month is purchased.

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Highlights & FAQs

Patriot Adventure Travel Medical Insurance®

IMG’s Patriot Adventure Travel Medical Insurance is for sport enthusiasts traveling abroad who have a medical plan that does not cover certain hazardous sports and activities, and is specifically designed for who intend to participate in non-contact amateur athletic activities and a select group adventure sports while traveling.

Highlights:

  • Short-term travel medical coverage
  • Maximum Limit of $50,000
  • Deductible of $250 per period of coverage
  • No Coinsurance (0%) for treatment received outside the U.S.
  • Within US – in the PPO Network – Company pays 90% of eligible expenses up to $5,000, then 100%.  Out of the PPO Network – Company pays 80% of eligible expenses up to $5,000, then 100%
  • Within US – in the PPO Network – Company pays 90% of eligible expenses up to $5,000, then 100%.  Out of the PPO Network – Company pays 80% of eligible expenses up to $5,000, then 100%
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • 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.
  • Access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S.  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.
Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this policy is received. This is your “Effective Date” and begins the trip cancellation benefits. All other coverage begins when you depart on the first travel arrangement for your trip.
With an international health plan from IMG, you have medical coverage worldwide. You have the freedom to choose your own health care provider wherever you are in the world.  To view IMG’s exclusive provider list, visit the Find A Doctor page in the my IMG member area.
No, most travel insurance plans are not ACA compliant, meaning they do not contain all of the essential benefits required under PPACA.

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your policy. Depending on your choice of policy, qualified reasons could be limited to weather and family emergencies or illnesses, while others allow you to cancel your trip for any reason.

It’s clear-cut. You pay for covered expenses up front, then file a claim for to get reimbursed by the carrier.

Claims are promptly processed in accordance with industry standards. However, when additional information is required to complete the Proof of Claim, processing will be delayed.  When that happens, the insured will soon receive an Explanation of Benefits indicating what is needed for further consideration.

Many health insurance policies have limitations on the types of treatment that will be covered while traveling abroad, so if you need to visit a medical facility in another country, or be evacuated to another location that can better treat you, your health insurance may not cover it. Travel insurance can fill that gap—most travel insurance policies have the option of covering illnesses.