Welcome to IMG®'s section of Coverage without Boundaries®! We know that the reasons to travel abroad are many and varied – that’s why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.
For your convenience and to assist you in determining which plan is right for you, simply use the scroll function to view each of the products or click on one of the specific product categories below to help narrow your search. You may also obtain more detailed plan information by clicking on the “Review Coverage” link associated with each product. Once you have determined which plan best fits your needs, click on the “Quote/Buy Insurance” link and you can complete the simple and easy-to-follow application.
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| Individual | Group | Student | Trip Cancellation | Specialty | ||
All coverages, benefits and premium amounts listed are in U.S. dollars.
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Coverage for individuals & families worldwide | ||
| Patriot Travel Medical Insurance® | ||
Individual & family plan
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 | The two Patriot® travel plans offer a complete package of international benefits available 24 hours a day. Patriot International®provides coverage for U.S citizens traveling outside the U.S with coverage for brief returns to the U.S, while Patriot America®provides coverage for non-U.S citizens traveling outside their home country. Both plans are available for minimum of days up to a maximum of two years. | |
Global Medical Insurance®
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Individual & family plan
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 | Global Medical Insurance (GMI) is a revolutionary program that offers long-term flexible worldwide coverage to meet your individual or family needs, backed by the world-class services you expect. GMI allows you to custom build a plan that is specifically tailored for you. It offers the flexibility to select from an assortment of four unique benefit plan options - each with specialized coverages. To accommodate your financial means, you can customize your length and area of coverage as well as select from multiple deductibles and modes of payment. Its flexible underwriting options also provide IMG the ability consider coverage that may have been declined by other carriers. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment’s notice. You have the freedom to choose any provider for your services, or you can quickly and easily access providers in the extensive PPO network and the International Provider AccessSM (IPA). You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. | |
| Patriot Platinum Travel Medical InsuranceSM | ||
Individual & family plan
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Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.
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| Patriot Green Travel Medical InsuranceSM | ||
Individual & family plan
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Patriot Green Travel Medical InsuranceSM is designed for the environmentally conscious traveler and provides up to $2,000,000 of medical coverage and services. This plan provides the same comprehensive benefits as the Patriot Travel plan, but also includes eco-friendly benefits including providing for the purchase of carbon offsets, pays an additional $5,000 AD&D benefit to an environmentally conscious organization, and it is paperless.
Patriot Green InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Green AmericaSMprovides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to two years.
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| Patriot Executive® | ||
Individual executive and family plan
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Patriot Executive is designed for the executive that takes multiple trips throughout the year outside his or her home country. The plan provides coverage up to 45 days in length for each trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.
Patriot Executive International provides coverage for U.S. executives traveling outside the U.S. and Patriot Executive America provides coverage for non-U.S. executives traveling outside their home country.
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Group coverage for employees around the world or short-term coverage for travelers outside their home country | ||
| GEOSM Group | ||
Employer sponsored group plan
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GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world. GEO Group assists employers to carve out their international employees to provide U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for employees and their families.
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| Patriot Group Travel Medical Insurance® | ||
Group plan
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Patriot Group Travel Medical Insurance provides coverage for groups of five or more U.S. citizens and/or foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. It offers a 10% discount from Patriot Travel Medical Insurance and has one easy-to-use enrollment form.
There are two Patriot Group Travel plans that provide up to $2,000,000 of medical coverage with a choice of deductibles and policy maximums. Patriot International Group provides coverage for U.S. citizens traveling outside the U.S. and Patriot America Group provides coverage for non-U.S. citizens traveling outside their home country. In addition to medical benefits, the plans include coverage for medical evacuation and repatriation.
Coverage can be obtained from a minimum of five days up to a maximum of two years.
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Scholars, faculty and student coverage while traveling, working or studying outside their home country | ||
| Patriot Exchange ProgramSM | ||
Individual and family plan
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Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. J1 visa travel insurance requirements.
Its flexible plan design also provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S. citizens worldwide except in their home country and Europe to Europe.
Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed (without break in coverage) for a total of four years.
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| Patriot Group Exchange ProgramSM | ||
Group plan
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Patriot Group Exchange offers the same great benefits, options and renewability as the Patriot Exchange Program, and in addition to the Basic and Standard Short-Term plans, a Long-Term plan is available.
The plan is available to groups of two or more students or participants of cultural exchange programs, offers a 10% discount from Patriot Exchange Program and has one easy-to-use enrollment form.
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| Student Health AdvantageSM | ||
Group and individual plan
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Student Health Advantage is designed for individuals or groups of two or more students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity after 10 months, mental health, organized sports and international emergency care. It also provides coverage for pre-existing conditions after 12 months of coverage.
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Sponsored groups of 2 or more
Quote/Buy Insurance | Review Coverage/Brochure
Individuals
Quote/Buy Insurance | Review Coverage| Download application | ||
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Individual & family coverage for trip cancellation and interruption, travel delay, medical expenses and baggage | ||
| Patriot T.R.I.P.® | ||
Travel protection for trips up to 30 days
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Patriot T.R.I.P. helps protect travelers who are unable to travel or are interrupted during their covered trip due to circumstances such as a sudden and unexpected illness or injury, death in the family, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline. Benefits also include coverage in the event of travel and baggage delay, lost baggage, emergency medical expenses, emergency medical evacuation and much more.
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| Patriot T.R.I.P.® Elite | ||
First class travel protection
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To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance program. Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need more coverage than provided by the Patriot T.R.I.P. program. The program has increased benefit amounts for emergency medical, emergency medical evacuation, travel delay, baggage, trip interruption and has a benefit for violent attacks.
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| Patriot T.R.I.P.® Student | ||
Student travel insurance program
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Patriot T.R.I.P. Student is a "budget conscious" travel insurance program designed to provide important benefits to students for many of those unforeseen circumstances that may force the cancellation or interruption of a covered trip. This program also includes coverage for trip cancellation or interruption travel and baggage delay, lost or stolen baggage, emergency medical expenses and emergency medical evacuation.
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Specialty coverage - plans for evacuation only, adventure sports or medical coverage for sea captains and crew | ||
| Sky RescueSM | ||
Emergency medical evacuation
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Sky Rescue is designed for those travelers who need to fill the gaps in the international medical insurance. It provides coverage for such benefits as emergency medical evacuation, repatriation, reunion and emergency assistance services that are not covered under most domestic or national plans.
Coverage is available for individuals under the age of 65 traveling outside their home country. It can be purchased in three, six or 12 months increments and can be rewritten for succeeding or subsequent periods.
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| Patriot AdventureSM | ||
Adventure athletics and adventure insurance
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Patriot Adventure is designed for the adventurous international traveler who intends to participate in the thrill of adventure sports and realizes that their current medical plan does not cover certain hazardous sports and activities.
From skydiving to whitewater rafting, Patriot Adventure provides up to $50,000 of coverage and is available to those under the age of 50.
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| CrewSelect InternationalSM | ||
Worldwide coverage for professional marine crew
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International Medical Group®, Inc. (IMG®) offers CrewSelect International, a comprehensive and portable international medical insurance plan designed specifically for professional marine crew. CrewSelect International can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your global health care benefits.
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| International Marine Medical InsuranceSM | ||
Worldwide group coverage for professional marine crew
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International medical insurance for marine crew requires provisions not met by many companies. International Marine Medical Insurance (IMMI) was designed specifically to provide comprehensive medical insurance to marine crew by offering continuous coverage worldwide. IMMI provides $1,000,000 of coverage per certificate period with a full range of benefits. Group members will be covered worldwide, including their country of citizenship, 24 hours a day.
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| Global Crew Medical Insurance® | ||
Worldwide coverage for professional marine captains & crew members
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Global Crew Medical Insurance(GCMI) is a comprehensive and portable international medical insurance plan designed specifically for professional marine crew. GCMI can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your global health care benefits. The plan provides $5,000,000 of lifetime coverage with a full range of benefits and offers two options: worldwide coverage and worldwide coverage 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.
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Aarow Financial Group is your source for Life, Long Term Care & Disability Insurance Planning in NC.
Monday, June 25, 2012
What is Travel Insurance?
What is Travel Insurance? Travel insurance can cover you from financial loss while abroad. This financial loss can include anything form trip cancellation to medical expenses, disability or even global life insurance coverage. At Aarow Financial Group, we have partnered with International Medical Group (IMG), to offer first class Travel Insurance. IMG is known for its comprehensive travel insurance products and service. They are the industry leader. No matter where you live in the United States, you can purchase International Travel Insurance, and no matter where you travel IMG offers some form of coverage for your travel insurance needs. Please see below for the IMG suite of products and purchase with confidence.
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