Expat Financial Planning
Expat Financial Planning
pfs-qualified-member

About Us

Products & Services

Newsletter

Blog

We're Listening !!

customer-service-listening
Thank you! Your submission was successfully sent :-)×
Opps! Some went wrong... Your submission did not go through :-(×
csm-ltd-logo

Expat Financial Planning Solutions

Providing Clarity For Investors Since 1985
csm-ltd-logo

IMG Travel Insurance For Expats & Global Travellers

img-patriot-multi-trip-travel-insurance
millenial-travellers
Free Quote

A comprehensive suite of travel insurance product options

Patriot - comprehensive multi-trip travel insurance for up to 3 years

Designed for those that take multiple trips throughout the year outside their home country. It offers the ease and convenience of purchasing a single annual plan at an affordable annual premium.

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. IMG has developed two Patriot Multi-Trip plans that offer a complete package of international benefits available 24 hours a day. Patriot Multi-Trip International is a plan for U.S. citizens who take multiple trips annually outside the U.S. Patriot Multi-Trip America is a plan for non-U.S. citizens who take multiple trips annually outside of their home country, and/or country of citizenship.

Both plans offer coverage for you, your spouse and/or children for each trip taken outside your home country and/or country of citizenship during a period of 12 months with renewability up to three years, in accordance with the terms of the Certificate of Insurance.

Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service representatives, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

You also have access to more than 17,000 providers using our International Provider AccessSM (IPA) seeking treatment outside the U.S. You can reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization

patriot-multi-trip-travel-medical-insurance-brochure

Highlights

Annual multi-trip travel medical insurance for individuals, families and groups

Deductible of $250

Maximum limit of $1,000,000

Coverage for multiple trips up to 30 or 45 days

Flexibility to travel as many times per year

Suitable for

Vacations / Holidays

Visitors / Immigrants

Employers / Business Travellers

  • Click for features & benefits
    • Plan Information

      Plan Information

      • Maximum Limits

        $1,000,000

      • Maximum limit for travellers aged 70 - 75

        $50,000

      • Deductible

        $250 per insured person for each covered illness. This deductible is waived for claims incurred as a result of a covered accident

      • Coinsurance

        For treatment received outside the U.S. & Canada: No coinsurance

        For treatment received within the U.S. & Canada:

        In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

        Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

      • Benefit Period

        If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the thirty day Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than thirty days before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the $5,000 Maximum Limit, proof of current medical insurance and the other terms of the plan, until there have been thirty days of continuous coverage for the covered injury or illness.

    • Medical Benefits

      Medical Benefits - usual,reasonable and customary charges subject to deductible and co-insurance

    • International Emergency Care

      International Medical Care - (when co-ordinated through the Plan Administrator)

      • Emergency Evacuation

        Up to the Maximum Limit

        The Patriot Multi-Trip plan offers coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. The plan pays up to the Maximum Limit for covered incidents for insured persons under age 66; and up to $50,000 for covered incidents for insured persons from ages 66 to 75.

      • Emergency Reunion


        Up to $50,000

        The Patriot Multi-Trip plan also offers emergency reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

      • Return Of Mortal Remains

        Up to $50,000

        If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000.

      • Return Of Minor Children

        Up to $50,000

        If an insured person is admitted to the hospital in-patient due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Multi-Trip plan will reimburse up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

      • Political Evacuation


        Up to $10,000

        If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:

        The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, issuance of the evacuation order; and
        The evacuation order pertains to persons from the same Home Country as the Insured Person; and
        Political Evacuation and Repatriation is approved and coordinated by the Company;
        In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.

    • Additional Benefits

      Aditional Benefits

      • Common Carrier Accidental Death


        $50,000 to Beneficiary; maximum of $250,000 per family

        If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, up to a maximum of $250,000 per family.

      • Sports & Activities Coverage

        Up to the Maximum Limit for basic sports as described below

        Each Patriot Multi-Trip plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activites (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized, sponsored and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee, and/or Adventure Sports. Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.

      • Accidental Death & Dismemberment

        $25,000 principal sum

        The Patriot Multi-Trip plan offers a $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the period of coverage: • Accidental Loss of life - principal sum • Accidental Loss of two Members - principal sum • Accidental Loss of one Member - 50% of principal sum.

        “Member” means hand, foot or eye.

      • Terrorism Coverage

        $50,000 lifetime maximum

        The Patriot Multi-Trip plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.

        This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.

      • Identity Theft Assistance

        Up to $500 per Period of Coverage

        If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order impersonate or obtain credit, merchandise or services in the insured person's name, the Patriot Multi-Trip plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen indentity event; notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and /or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person's knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

        The identity theft event must occur during the Period of Coverage.

      • Trip Interruption


        Up to $5,000

        If, during a covered trip, there is an Unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Multi-Trip plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

      • Lost Luggage

        Up to $50 per item of luggage; maximum of $250

        A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.

Additional add-on benefits

Adventure Sport Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age

Lifetime Maximum

0 - 49

$50,000

50 - 59

$30,000

60 - 64

$15,000

Evacuation Plus Rider

This optional rider is available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation

Up to a maximum of $25,000

Natural Disaster Evacuation

Up to a maximum of $5,000

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract.

Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

I took comfort in the fact that IMG had my back.

Mark describes in chilling detail his encounter that could have ended far worse

img-client-testimonial

Duration 3 mins

Patriot - comprehensive multi-trip travel insurance for up to 3 years

Designed for those that take multiple trips throughout the year outside their home country. It offers the ease and convenience of purchasing a single annual plan at an affordable annual premium.

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. IMG has developed two Patriot Multi-Trip plans that offer a complete package of international benefits available 24 hours a day. Patriot Multi-Trip International is a plan for U.S. citizens who take multiple trips annually outside the U.S. Patriot Multi-Trip America is a plan for non-U.S. citizens who take multiple trips annually outside of their home country, and/or country of citizenship.

Both plans offer coverage for you, your spouse and/or children for each trip taken outside your home country and/or country of citizenship during a period of 12 months with renewability up to three years, in accordance with the terms of the Certificate of Insurance.

Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service representatives, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

You also have access to more than 17,000 providers using our International Provider AccessSM (IPA) seeking treatment outside the U.S. You can reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization

Highlights

Travel medical insurance for individuals , families and groups

Renewable up to 24 monthss

Deductible options from $0 - $2,500

Maximum limits from $50,000 to $2,000,000

Coverage for medical expenses, evacuation and repatriation

Suitable for

Vacations / Holidays

Visitors / Immigrants

Employers / Business Travellers

  • Click for features & benefits
    • Plan Information

      Plan Information

      • Maximum Limits

        $1,000,000

      • Maximum limit for travellers aged 70 - 75

        $50,000

      • Deductible

        $250 per insured person for each covered illness. This deductible is waived for claims incurred as a result of a covered accident

      • Coinsurance

        For treatment received outside the U.S. & Canada: No coinsurance

        For treatment received within the U.S. & Canada:

        In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

        Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

      • Benefit Period

        If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the thirty day Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than thirty days before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the $5,000 Maximum Limit, proof of current medical insurance and the other terms of the plan, until there have been thirty days of continuous coverage for the covered injury or illness.

    • Medical Benefits

      Medical Benefits - usual,reasonable and customary charges subject to deductible and co-insurance

    • International Emergency Care

      International Medical Care - (when co-ordinated through the Plan Administrator)

      • Emergency Evacuation

        Up to the Maximum Limit

        The Patriot Multi-Trip plan offers coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. The plan pays up to the Maximum Limit for covered incidents for insured persons under age 66; and up to $50,000 for covered incidents for insured persons from ages 66 to 75.

      • Emergency Reunion


        Up to $50,000

        The Patriot Multi-Trip plan also offers emergency reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

      • Return Of Mortal Remains

        Up to $50,000

        If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000.

      • Return Of Minor Children

        Up to $50,000

        If an insured person is admitted to the hospital in-patient due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Multi-Trip plan will reimburse up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

      • Political Evacuation


        Up to $10,000

        If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:

        The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, issuance of the evacuation order; and
        The evacuation order pertains to persons from the same Home Country as the Insured Person; and
        Political Evacuation and Repatriation is approved and coordinated by the Company;
        In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.

    • Additional Benefits

      Aditional Benefits

      • Common Carrier Accidental Death


        $50,000 to Beneficiary; maximum of $250,000 per family

        If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, up to a maximum of $250,000 per family.

      • Sports & Activities Coverage

        Up to the Maximum Limit for basic sports as described below

        Each Patriot Multi-Trip plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activites (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized, sponsored and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee, and/or Adventure Sports. Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.

      • Accidental Death & Dismemberment

        $25,000 principal sum

        The Patriot Multi-Trip plan offers a $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the period of coverage: • Accidental Loss of life - principal sum • Accidental Loss of two Members - principal sum • Accidental Loss of one Member - 50% of principal sum.

        “Member” means hand, foot or eye.

      • Terrorism Coverage

        $50,000 lifetime maximum

        The Patriot Multi-Trip plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.

        This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.

      • Identity Theft Assistance

        Up to $500 per Period of Coverage

        If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order impersonate or obtain credit, merchandise or services in the insured person's name, the Patriot Multi-Trip plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen indentity event; notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and /or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person's knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

        The identity theft event must occur during the Period of Coverage.

      • Trip Interruption


        Up to $5,000

        If, during a covered trip, there is an Unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Multi-Trip plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

      • Lost Luggage

        Up to $50 per item of luggage; maximum of $250

        A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.

Additional add-on benefits

Adventure Sport Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age

Lifetime Maximum

0 - 49

$50,000

50 - 59

$30,000

60 - 64

$15,000

Evacuation Plus Rider

This optional rider is available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation

Up to a maximum of $25,000

Natural Disaster Evacuation

Up to a maximum of $5,000

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract.

Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

I took comfort in the fact that IMG had my back.

Mark describes in chilling detail his encounter that could have ended far worse

img-client-testimonial

Duration 3 mins

patriot-multi-trip-travel-medical-insurance-brochure

IMG Travel Insurance - Help & Assistance

img-travel-insurance-service-support

If you need any help or assistance or simply have a question about IMG Travel or full expat medical insurance we are here to provide that support - simply use the button below and we will quickly respond to your query.

FAQ's For US Nationals
If you need help just ask