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Travel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.
Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need. For more information, check out our blog: "How to Choose the Best Travel Medical Insurance Plan."
Travel medical coverage is ideal for:
- International vacationers
- Relatives visiting from overseas
- People going on cruises, safaris or guided tours
- International business travelers
- Students studying abroad
International Medical Group®(IMG®) also offers travel insurancethat protects your health as well as your trip costs and travel expenses. And if you need long-term medical coverage, check out ourinternational health insurance. IMG plans include a wide range of medical benefits, protection, and support should a problem arise.
Popular Travel Medical Plans
Ideal for Traveling Outside of Your Home Country
Recommended
Patriot Platinum Travel Medical Insurance
Temporary first-class health insurance for individuals, families, and groups
Highlights
- COVID-19 coverage for travelers to the U.S.
- Coverages for inside and outside the U.S.
( Patriot America Platinum / Patriot International Platinum ) - Short-term travel medical coverage
- Coverage for individuals, groups, and their dependents
- Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
- Freedom to seek treatment with hospital or doctor of your choice
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
| Maximum Limits | Up to $8,000,000 |
| Deductible | $0 to $25,000 |
| Extensions | Up to 36 continuous months |
| Emergency Medical Evacuation | Up to maximum limit |
| Coinsurance for treatment received outside the U.S. (International) | 100% up to the maximum limit |
| Coinsurance for treatment received in the U.S. (America) | In the PPO network: 100% up to the maximum limit Out of the PPO network: 90% up to $5,000, then 100% |
| Incidental Emergency Coverage in the U.S. (Patriot International only) | 14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country |
| COVID-19 / SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance |
| Acute Onset of Pre-Existing Conditions | Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation |
| Travel Intelligence | Included |
| Telehealth | Included |
| Evacuation Plus | Included |
| Eligible Medical Expenses | Up to the maximum limit |
| Eligible Medical Expenses | Up to the maximum limit |
| Physician Visits/Services | Up to the maximum limit |
| Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Hospital Emergency Room (Inside the U.S.) | Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Hospital Emergency Room (Outside the U.S.) | Up to the maximum limit |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
| Bedside Visit (Hospitalized in an intensive care unit) | $1,500 maximum limit. Not subject to deductible. |
| Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
| Supplemental Accident | $300 per covered accident |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Chiropractic Care Medical order or treatment plan required | Up to the maximum limit |
| Physical Therapy (Medical order or treatment plan required) | Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility | Up to the maximum limit |
| Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
| Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
| Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission | IMG pays 100% |
| Natural Disaster Evacuation Must be approved in advance by the company | $25,000 maximum limit. Not subject to deductible. |
| Political Evacuation & Repatriation (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Return of Minor Children (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company) | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible. |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
| Traumatic Dental Injury Treatment at a hospital due to an accident | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. |
| Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
| Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Identity Theft | $500 maximum limit. Not subject to deductible |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
| Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Personal Liability Secondary to any other insurance | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property. |
| Pet Return For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person | $500 maximum limit. Not subject to deductible. |
| Terrorism | $50,000 maximum limit. Not subject to deductible |
| Return Travel | $10,000 maximum limit. Not subject to deductible |
Most Popular
iTravelInsured Travel SE
Family-friendly plan for domestic and international destinations
Highlights
- Family-friendly plan for domestic and international destinations
- Trip cancellation maximum benefit up to 100% of trip cost
- Trip interruption maximum benefit up to 150% of trip cost
- Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
- $500,000 maximum benefit for medical evacuation and repatriation of remains
Plan Details View Brochure
Trip Protection
Medical Benefits
Plan Benefits
The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.
| Trip Cancellation* | 100% of Trip Cost |
| Trip Interruption** | 150% of Trip Cost |
| Trip Delay | $2,000 ($125 Per day per person After Initial Delay of 12 Hours) |
| Change Fee | Up to $150 Per person |
| Frequent Traveler Reward | Up to $75 Per person |
| Rental Car Damage And Theft Coverage | Up to $40,000 Per Covered Vehicle |
| Missed Trip Connection | $500 (Per person After Initial Delay of 6 Hours) |
| Pet Kennel | $100 Per Day ($300 Max Per Pet) |
| Medical Evacuation and Repatriation of Remains | Up to $500,000 Per person |
Baggage & Personal Effects
| $1,500 ($250 Max Per Item) Included |
| Baggage Delay | Up to $250 (After Initial Delay of 12 Hours) |
Accident & Sickness Medical and Dental Expense
| Up to $250,000 $1,000 Per Trip |
| Pre-Existing Medical Condition Exclusion Waiver Available | If Purchased Within 20 Days of the Date Your Initial Trip Payment or Deposit is Received |
Accidental Death and Dismemberment Common Carrier | $25,000 |
| Exposure | Included |
| Disappearance | Included |
| Coverage Type | Primary |
Recommended
Patriot America Plus
Temporary health insurance for non-U.S. residents traveling to the USA
Highlights
- COVID-19 coverage for travelers to the U.S.
- Coverage for inside the U.S.
- Short-term travel medical coverage
- Made for individuals, groups, and their dependents
- Coverage for Acute Onset of Pre-Existing Conditions*
- Freedom to seek treatment with hospital or doctor of your choice
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
| Maximum Limits | Up to $1,000,000 |
| Individual Deductible Options | $0 to $2,500 |
| Extensions | Up to 24 continuous months |
| Emergency Medical Evacuation (Must be approved in advance and coordinated by the company) | $1,000,000 |
| Coinsurance for treatment received in the U.S. | In the PPO network: 100% up to the maximum limit Out of the PPO network: 80% of eligible expenses up to $5,000, then 100% |
| COVID-19 / SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance |
| Acute Onset of Pre-Existing Conditions | Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation |
| Eligible Medical Expenses | Up to the maximum limit |
| Eligible Medical Expenses | Up to the maximum limit |
| Physician Visits/Services | Up to the maximum limit |
| Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Hospital Emergency Room (Inside the U.S.) | Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Hospital Emergency Room (Outside the U.S.) | Up to the maximum limit |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
| Bedside Visit (Hospitalized in an intensive care unit) | $1,500 maximum limit. Not subject to deductible. |
| Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
| Supplemental Accident | $300 per covered accident |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Chiropractic Care Medical order or treatment plan required | Up to the maximum limit |
| Physical Therapy (Medical order or treatment plan required) | Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility | Up to the maximum limit |
| Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
| Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
| Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission | IMG pays 100% |
| Natural Disaster Evacuation Must be approved in advance by the company | $25,000 maximum limit. Not subject to deductible. |
| Political Evacuation & Repatriation (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Return of Minor Children (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company) | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible. |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
| Traumatic Dental Injury Treatment at a hospital due to an accident | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. |
| Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
| Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Identity Theft | $500 maximum limit. Not subject to deductible |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
| Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Personal Liability Secondary to any other insurance | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property. |
| Pet Return For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person | $500 maximum limit. Not subject to deductible. |
| Terrorism | $50,000 maximum limit. Not subject to deductible |
| Return Travel | $10,000 maximum limit. Not subject to deductible |
Additional Travel Medical Insurance Plans
Patriot Lite Travel Medical Insurance
Temporary health insurance for individuals, families, and groups when traveling outside of your home country.
Visitors Care
Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.
Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.
GlobeHopper Senior
Temporary health insurance for travelers age 65+ when traveling outside of your home country.
Patriot Multi-Trip Travel Medical Insurance
Annual multi-trip travel medical insurance for individuals, families and groups.
Outreach Travel Medical Insurance
Temporary health insurance for missionaries and mission groups when traveling outside of your home country.
Need Extra Protection and Coverage?
Explore our travel insurance options.
Insurance Plans
Why Do I Need Travel Medical Insurance?
Depending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Check out IMG’s Why You Need Travel Medical Insurance Now More Than Ever to learn more about some of these challenges.
Traveling unprotected can leave you vulnerable to paying high out-of-pocket medical expenses, and navigating a foreign health care system without the assistance you need.
However, with a travel medical insurance plan, you can worry less and experience more knowing you have medical coverage and a trusted health advisor who can support you in your time of need.
Get even more information by checking out our article,“Do I Need Travel Medical Insurance?”
How Much Does Travel Medical Insurance Cost?
Less than $3 per day for an average plan.
Like other travelers, you may be wondering if the coverage is worth the cost. It may surprise you to learn that IMG’s travel medical plans can cost less than $3 per day (based on an average plan) and can provide coverage worth well beyond your initial cost. Pick a plan and get protected.
Factors that Determine Cost
The cost of a plan varies based on many factors including:
Age of Traveler
Age is one of the primary factors that determines insurance rates. Each IMG plan has a complete breakdown of insurance rates based on ages that can be found in the plan brochure.
Destination
Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.
Duration of Trip
A breakdown of daily rates and monthly rates can be found in IMG plan brochures. If you need long-term coverage (1 year or more), view our international health insurance plans.
Deductible, Maximum Limit, & Additional Optional Coverage
Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you.
When Is Travel Health Insurance required?
Some countries may require you to purchase travel health insurance to gain entry.
Traveling to Schengen Countries
Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Read our blog aboutCountries that Require Travel Medical Insurance for Entry to learn more.
Other Situations
You may also be required to purchase travel health insurance depending on the purpose of your trip. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Find out How to Choose the Best Visitor Insurance Plan for You.
Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage.
These are just a few reasons when you would be required to purchase Travel Medical Insurance. See the full list for 6 Times You Need to Purchase Travel Medical Insurance.
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Frequently Asked Questions
What country do I select as my primary destination if I'm visiting several countries?
If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.
Can I purchase visitors insurance for my relatives?
Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.
As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).
Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.
International Students – Exempt as Non-Resident Aliens
Under the IRS international student exemption, anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.
That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here.
Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.
The Individual Mandate and Alien / Non-Alien Status
The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.
Am I a Resident or Non-Resident Alien?
The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.
Under IRS Publication 519, Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.
IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as IMG’s Patriot Lite Travel Medical Insurance for coverage while you travel outside of the U.S.
If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:
- Individuals not residing in the U.S.
- Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
- Individuals with a coverage gap of less than 3 months.
- Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of
- household income).
- Individuals with a religious conscience exemption (applies only to certain faiths).
- Members of a health care sharing ministry.
- Incarcerated individuals.
- Individuals with income below the tax filing threshold; and
- Members of Indian tribes
In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.
However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.
I am a non-U.S. citizen that will be traveling to the U.S. temporarily. Do I need PPACA coverage?
IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:
- Individuals not residing in the U.S.
- Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
- Individuals with a coverage gap of less than 3 months
- Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
- Individuals with a religious conscience exemption (applies only to certain faiths)
- Members of a health care sharing ministry
- Incarcerated individuals
- Individuals with income below the tax filing threshold; and
- Members of Indian tribes
You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan.
In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.
However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.
What is the Patient Protection and Affordable Care Act? (PPACA)
The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.
The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.
As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.
Am I getting the best deal on these plans?
Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.
What should I do if the worst happens and I need to go to a hospital while on a mission Trip?
IMG plans provide you access tomore than 17,000 providers through our International Provider Access (IPA) while you're outside of the United States. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip.
My family is planning a visit. When should visitors to the U.S. purchase international insurance?
Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.
I already have health insurance. Why would I need Visitor Insurance in the U.S.?
If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit.
What mission focused benefits are included in these plans?
In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. See your plan befits information for more!
When should I complete my waiver?
Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver.
How do I determine the status of my waiver?
Check with your school to get your waiver status.
How do I provide proof of insurance for my school?
To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.
Do these plans cover sports-related illness or injuries?
IMG plans include customization options and add-ons, including add-on coverage for high school sports,interscholastic, intramural, or club sports, personal liability and legal assistance.
How long does it take to process my application and receive my ID card and other documents?
If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.
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Disclaimer
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
