|
|
International Travel Insurance
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.
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:
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.
Individual Insurance Products Global Medical Insurance Patriot Travel Medical Insurance 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. Trip Cancellation 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. Evacuation 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 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. Patriot Group Travel Medical Insurance 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. 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. |
