Traveling can be exciting and rewarding, but it can also be expensive when the unexpected occurs far from home such as sickness or injury, travel delay, baggage loss, or worse. In the past decade medical costs have increased dramatically worldwide and even countries with subsidized National Health plans now demand payment in full from foreign visitors for medical services rendered. At the same time travel suppliers such as airlines, and tour operators worldwide have made cancellation policies more restrictive, so if you have to cancel a trip it’s likely that a substantial portion of your pre-paid travel expenses will not be refunded, and if you have to interrupt a trip mid-way, a last minute, one-way economy fare return-flight is now likely to be more costly than ever.
Moreover, the reality of global terrorism, increased travel industry bankruptcies, global economic instability, and the overall unpredictability of life today causes many people to seek ways to minimize the unique financial risks associated with travel.
As a result, savvy travelers purchase travel insurance in order to protect against the potentially staggering financial costs resulting from crises such as the cancellation of a big trip due to death or illness of a family member or a required emergency medical evacuation.
Basic Plan Types
There are many types of travel insurance and choosing the right plan can be confusing. Becoming familiar with the basic types of plans and the specialized terms will make it easier to compare plans, and ultimately choose the right plan for your needs. We break down travel insurance into 3 major categories:
- Trip Protection
International Travel Insurance
Emergency Medical Evacuation
Choosing the Right Coverage
Whether you need individual coverage for a vacation or group coverage for your employees in locations around the world, IMG has a product to meet your needs. By utilizing IMG’s SelectaPlan Tool, we can quickly direct you to the plan(s) that will best meet your needs or those of your family or organization.
Use the table below to help determine which type of coverage meets your particular requirements. The products are linked to more detailed plan information. You may also scroll down to review all available IMG products.
Patriot Exchange Program
Global Medical Insurance
(Trip cancellation coverage for individuals or groups)
Apply for Patriot T.R.I.P.
Plan can be purchased in 3, 6 or 12 month increments.
GroupPatriot Group Travel Medical Insurance
(Short-term coverage for groups of 5 or more)
Apply for Patriot Group Travel Medical Insurance OnlinePatriot Group Exchange ProgramSM
(Short-term travel coverage for groups involved in an educational or cultural exchange program.)
Apply for Exchange Program Group Plan OnlineGEO Group
(A global employee benefits program for groups of 2 or more internationally assigned employees)
GEO Group Request for Proposal Online [HTML Form]
GEO Group Request for Proposal [PDF Form]Student Health AdvanatageSM
(A health care plan designed specifically to meet the needs of international students involved in long-term educational programs.) Apply for Student Health Advantage Online
Individual Insurance Products
Global Medical Insurance is long-term, annually-renewable medical insurance that provides worldwide coverage to individuals and families of all nationalities. This is an ideal plan for those who need a full range of medical benefits. You have a choice of three plan options: Silver, Gold and Platinum. You also have A choice of two coverage area options: worldwide or worldwide excluding the U.S. and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.
The Patriot products address the medical insurance needs of US citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.
Patriot Extreme International provides coverage for US citizens traveling abroad for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.
Patriot Extreme America provides coverage for non-US citizens traveling outside their home country for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.
If you travel frequently outside your home country throughout the year, don’t risk finding yourself ill or injured in a foreign country. Make sure you have a plan to secure medical care and cover the associated costs.
To help protect you from losing the money you’ve spent to travel, there is Patriot T.R.I.P., a travel cancellation insurance program. Patriot T.R.I.P. provides coverage for those unforeseen circumstances that may force the cancellation of your travel plans.
Patriot Student T.R.I.P.
This cost-effective student travel insurance program is designed to provide coverage to full- and part-time students for many of those unforeseen circumstances that may force the cancellation of travel plans or interrupt a covered trip. This program offers coverage for trip cancellation and interruption, lost or stolen baggage, emergency medical evacuation and much more.
A premier travel cancellation insurance program that provides first-class protection for all travelers. The Patriot T.R.I.P. Elite provides coverage that can help you recover non-refundable, unused payments and deposits when your trip is cancelled or interrupted for a variety of reasons. Benefits are also provided for travel delays, baggage delays, emergency medical treatment, emergency medical evacuation and much, much more.
Sky Rescue provides international scheduled benefits to meet your needs in an emergency. This coverage is available to those under the age of 65 traveling outside their country of citizenship for a minimum of three months.
Group Insurance Products
GEO Group is a revolutionary program designed to meet the global healthcare needs of employers that require coverage for their employees around the globe. Regardless of nationality or country of assignment, GEO can provide all employers and employees with flexible and comprehensive options of both benefits and services.
Whether your group is traveling for vacation, missionary work, or temporary business, IMG can provide high-quality travel medical insurance at affordable prices. Many sponsoring organizations are seeking ways to limit their liability should one of the group members become ill or have an accident. Emergency medical evacuation may be necessary if the local health care system is unable to treat the condition. Domestic health insurance plans may not adequately respond to these needs.
All coverage is guaranteed issue if the eligibility requirements are met and proper payment has been received by IMG. For more information about specific benefits, limitations, exclusions and eligibility requirements, please refer to the Patriot Group Travel Medical Insurance Brochure or to the Patriot Group Travel Medical Insurance Benefits page.
As a global student, assurance and peace of mind are a priority when you study abroad. Student Health Advantage is an international health care plan designed to specifically meet the needs of international students involved in long-term educational programs. The plan offers a complete package of international benefits available 24 hours a day.