Frequently Asked Questions (FAQs)
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If this is your first experience buying IMG, we've compiled a list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.
 
IMG
  • I am leaving for a trip that will last 19 days. Can a Patriot plan be issued for 19 days?

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  • I am going to be gone for 6 months for sure but may extend my stay overseas. Which plan should I use?

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  • I need coverage for a group that is traveling overseas. Which plan is best for us?

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  • Does IMG provide a listing of hospitals or care facilities in the area I am traveling to?

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  • I would like to purchase the "End of Trip Home Country Coverage."

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  • If I'm traveling alone and should need emergency medical evacuation, BUT I am unconscious and my medical evacuation is arranged by someone other than IMG, will I be reimbursed?

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  • What is the age limit for dependent children?

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  • Do I have to have primary health insurance to be covered by your insurance?

  • Does a pre-certification need to be done with for non-emergency treatments?

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  • Are the pre-existing conditons covered under the Global Medical Silver, Gold, and Platinum plans? What are the exclusions?

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  • I am confused about the "co-pay" and "co-insurance" with IMG. Is the out-of-pocket 20% calculated before or after the deductible?

  • What is Excluded from coverage under the Patriot Travel Medical plans?

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    I am leaving for a trip that will last 19 days. Can a Patriot plan be issued for 19 days?

    Yes —Patriot plans can be issued on a per-day basis for any length from 5 days up to one year. The minimum premium is for 5 days when purchased online. Minimum issue period for faxed applications is 10 days.
    I am going to be gone for 6 months for sure but may extend my stay overseas. Which plan should I use?

    The Patriot International® plan for (U.S. citizens or the Patriot America® plan for Non U.S. citizens) is the most cost efficient for trips of 3 months or longer.  At the end of your 3 month policy you will have the option to renew the policy for up to another 12 months.  The policy is renewable for up to 2 years aggregate total.
    I need coverage for a group that is traveling overseas. Which plan is best for us?
    The Patriot Group Travel plan would be the best. This is the same coverage as the Patriot individual plans but is issued on a "group" basis. Each member will receive an individual ID card but will not receive a "policy." The master policy will be sent to the tour leader. All members must have the same maximum of coverage and deductible.
    Does IMG provide a listing of hospitals or care facilities in the area I am traveling to?
    IMG does not provide a list, but the information is available. Call 1-800-628-4664 (US/Canada) or call Collect at 317-655-4500. These numbers will be listed in your policy and on your ID card as well.
    I would like to purchase the "End of Trip Home Country Coverage."

    For every five months of continuos coverage you purchase, you can purchase one additional month of home country coverage as an accomodation and supplemental travel benefit, up to two months. To purchase this special home country extension coverage please check the appropriate box on the online application form, and calculate your premium to include the additional month.
    If I'm traveling alone and should need emergency medical evacuation, BUT I am unconscious and my medical evacuation is arranged by someone other than IMG, will I be reimbursed?
    Evacuation coverage MUST be coordinated by IMGSM for it to be a covered benefit. We strongly suggest that the insured carries the policy ID card or insurance information on their person at all times. If a person is traveling alone and should need to be medically evacuated, attending persons will normally find the information on the insured and contact IMG.

    What is the age limit for dependent children?
    A dependent child is your child shown on the Enrollment Form under 18 years of age, traveling with you, and for whom premium has been paid.


    Do I have to have primary health insurance to be covered by your insurance?

    While having primary insurance is not an eligibilty requirement for most plans at TravelnsuranceCenter, the IMG Patriot Multi-Trip Does require applicants to have primary health insurance in order to be eligible for coverage.
    Does a pre-certification need to be done with for non-emergency treatments?
    NO. Only with major medical treatments and surgery is to be done…ie: CAT Scans, and X-rays. Pre-certification does not need to be completed if seeing a doctor due to minor indicidents.
    Are the pre-existing conditons covered under the Global Medical Silver, Gold, and Platinum plans? What are the exclusions?
    Silver and Gold:
    After coverage has been in effect for 24 continuous months, the Silver and Gold plan options provide a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. The Silver and Gold plan options do not rider or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

    The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions,
    adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

    Platinum:
    On the Platinum plan option, conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same as any illness. Conditions, including any complications therefrom, that are not fully disclosed on the application will not be covered.

    OTHER EXCLUSIONS & LIMITATIONS*

  • Treatment not ordered or received by a physician
  • Treatment or supplies not medically necessary
  • Investigational, experimental or research procedures
  • Custodial care
  • Weight modification
  • Elective cosmetic or plastic surgery
  • Treatment of impotency
  • Contraceptive medication or treatment
  • Drug and alcohol abuse treatment
  • Organ transplants not specifically listed
  • Routine foot care
  • Treatment by a relative or family member
  • Treatment as a result of war or riot
  • Treatment resulting from illegal activities
  • Speech therapy
  • Persons HIV+ at effective date
  • Organized amateur or professional sports
  • Maternity and newborn care (unless the maternity rider or Platinum plan option is purchased - see Summary Schedule of Benefits)
  • Services and treatment eligible for payment by any government or other insurance
  • Adult routine physical examinations are excluded under the Silver plan option and for the first 12 months for the Gold and Platinum plan options
  • Devices to correct sight or hearing are excluded under the Silver and Gold plan options
  • Inpatient mental and nervous is excluded under the Silver plan option and for the first 12 months for the Gold and Platinum plan options
  • Outpatient mental and nervous for the first 12 months on all plan options



    • I am confused about the "co-pay" and "co-insurance" with IMG. Is the out-of-pocket 20% calculated before or after the deductible?
    IMG requires that you pay 20% percent of the first $5000 in medical expenses (for vistors to the US & Canada only) after the deductible (same as "excess") is met.

    For example: You have a serious accident in the US that requires hospitalization for a week. The hospital bill is $10,000. If you have a $100 deductible then you would pay $100 (leaving $9,900 to be paid) and then you would have to pay 20% of the next $5000 which = $1000 (max out-of-pocket with $100 deductible =$1100). IMG would pay the remaining $8,900.

    What is Excluded from coverage under the Patriot Travel Medical plans?
    Exclusions
    Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans.
    1. Pre-existing Conditions. A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
    2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
    3. War, military action, terrorism, political insurrection, protest, or any act thereof.
    4. Immunizations and routine physical exams.
    5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
    6. Venereal disease, AIDS virus, AIDS-related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
    7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
    8. Injury sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.
    9. Vision or ear tests and the provision of visual or hearing aids.
    10. Vocational, recreational, speech or music therapy.
    11. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
    12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
    13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
    14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
    15. Willful self-inflicted injury or illness.
    16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
    17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
    18. Treatment for mental and nervous disorders.
    19. Organ or tissue transplants or related services.
    20. Illness or injury where the trip to the host country is undertaken for treatment or advice for such Illness or injury, except as expressly provided for in the certificate of insurance.
    21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).






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