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IMG Patriot Travel Medical InsuranceSM -
At-a-Glance
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Patriot
InternationalSM |
Patriot
AmericaSM |
ExPatriot
Plus® |
| Length of Coverage |
15 Day to 1 Year |
15 Days to 1 Year |
6 Months to 2 Years |
| Lifetime Maximum Coverage |
Up to $2,000,000 |
Up to $1,000,000 |
Up to $1,000,000 |
| Eligibility |
Patriot International provides coverage for US citizens
traveling abroad for a minimum of 15 days up to a maximum of one
year. |
Patriot America provides coverage for non-US citizens
traveling outside their country of citizenship for a minimum of
15 days up to a maximum of one
Patriot America provides coverage for non-US citizens traveling
outside their country of citizenship for a minimum of 15 days
up to a maximum of one year.
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ExPatriot Plus® provides coverage for US citizens
AND non-US citizens traveling outside their country of citizenship
for a minimum of six months up to a maximum of two years. ExPatriot
Plus® offers a 10% discount on rates and is renewable. |
| Renewability |
Although the Patriot International 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. |
Although the Patriot America 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. |
ExPatriot Plus must be purchased for a minimum initial
period of six months, and is renewable for a total of two years by
those traveling outside the US. For non-US citizens traveling within
the US, ExPatriot Plus may be renewed for up to one year of total
coverage. A new Deductible and Coinsurance will apply for each Period
of Coverage. |
| Deductible Options |
$100, $250, $500, $1000, $2500 |
$100, $250, $500, $1000, $2500 |
$100, $250, $500, $1000, $2500 |
| Coinsurance Options |
80/20 for treatment received INSIDE the U.S. or
Canada: After your deductible is met, co-insurance pays 80% of
the next $5,000 of covered medical expenses and 100% thereafter
up to Policy Maximum
For treatment received OUTSIDE the U.S or Canada: NO Coinsurance.
The plan pay 100% after deductible is met up to Policy Maximum.
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| Stop Loss |
$5,000 for treatment received INSIDE the U.S. or
Canada
$0 for treatment received OUTSIDE the U.S or Canada: NO Coinsurance.
The plan pay 100% after deductible is met
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| Out of Pocket Maximum |
Varies with choice of deductible and where treatment is received.
Out of Pocket Max can be calculated by Adding your deductible
and 20% of Stop Loss. This will range from as little as $100
per year for a plan with a $100 deductible and treatment received
outside the US or Canada to a max of $3,500 per year for a plan
with a $2,500 deductible and treatment received inside the US
or Canada.
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To get more information about any of our products, send us an
email at info@benefitsphere.com,
or call us at 1-877-891-6162.
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IMG Patriot Travel Medical
InsuranceSM:
Short Trips
(15 days to 6 months)
Extended Stay
(6 months to 2 years)
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