patriot america travel health insurance

• Chinese Students

• International Health Insurance
• Travel Health Insurance
• International Student Insurance
• Travel & Trip Insurance
• International Group Insurance Plans
• Warzone Insurance
• European Style Health Plans
• International Life and Disability Insurance
• Missionary Insurance
• Travel & Trip Insurance

Patriot America

Travelers health insurance non-u.s. citizens.

Whether you are a seasoned traveler, tourist, international student or expatriate, the Patriot America ® plan provides excellent health insurance and emergency evacuation coverage when you are visiting a country other than your home country. Eligible medical expenses incurred within the USA and Canada are subject to the deductible. After the deductible is met, the travelers health insurance plan will cover at 80% of eligible medical expenses to the next $5,000 and then 100% to the policy maximum. If medical expenses are incurred within the First Health Network- in the USA - they would be subject to the deductible and then covered at 90% of eligible medical expenses to the next $5,000 and then 100% after that to the policy maximum. The Patriot America® plan provides non-U.S. citizens with short-term health insurance when traveling for work or leisure anywhere outside of their home country. Key Benefits of the Travelers Health Insurance Plan:  

• Short-term travel health coverage outside of your home country
• Ability to choose hospital or doctor
• Coverage for single persons and families of 2 or more
• Choice of deductibles ranging from $0 to $2,500
• Policy limit maximums from $50,000 to $2,000,000
• Emergency medical evacuation
• Rates are available daily or monthly
• Trip cancellation and travel delay
• Plan is renewable up to 24 months if 1 month or more is initially purchased at one time
• International vacationers
• Business directors and executives who frequently travel outside of their home country
• Family members visiting the U.S.
• Foreign exchange students going to school in the U.S.
• Schengen Visas
• Nannies and Au Pairs working in the U.S.
• Camp counselors working over the summer in the US
• Terms & Conditions
• CHINESE STUDENTS

Copyright © 2014 New York International Group

Processing your request. Please wait…

Your session will end in seconds due to inactivity.

If you wish to continue your application, please click the “Continue” button below. If you are purchasing a new application and need more time and wish to save your application, please click the “Save Application” button at the bottom of the application in order to resume progress later.

• Close this window
• Sample Insurance Contract
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents 
• Maximum limits from $50,000 to $1,000,000 
• Deductible options from $0 to $2,500 
• Available in daily and monthly rates
• Renewable up to 24 months
• Freedom to seek treatment with hospital or doctor of your choice
• Universal Rx pharmacy discount savings
• 24 hour secure access from anywhere in the world to manage your account at any time
• Graduating seniors trips
• College students studying abroad
• Foreign au pairs and nannies
• Families sponsoring exchange students
• International vacationers  
• Relatives visiting from overseas
• Recently arrived immigrants

Patriot America Plus provides coverage for non-U.S. residents traveling to the United States. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of five days up to a maximum of two years, in accordance with the terms of the Certificate of Insurance.

Additionally, the plan offers excellent benefits and services to meet your global travel needs. You'll have access to international, multilingual customer service centers, claims administrators who process claims worldwide, in virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment.

Privacy Policy

Img online privacy statement.

Effective Date: December 7, 2021

This statement (the “Privacy Policy”) applies to IMG websites, services, products and applications that collect data and display these terms, owned and operated by International Medical Group®, Inc., its subsidiaries, and affiliates, including, but not limited to, a la carte Healthcare, Ltd., Global Response Ltd., IMG Europe, Ltd., iTravel Insured, Inc. and AkesoCare Management, Inc. (collectively “IMG”, “IMG®”, “we”, “us”, or “our”).

At IMG, we are committed to earning your trust by respecting and protecting the privacy of the personal information you provide to us online. The following describes how IMG collects, uses, shares and secures the personal information you provide, as well as the human resources data of our employees. It also describes your choices regarding use, access, and correction of your personal information.

If you have an unresolved privacy or data use concerns that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request .

Under certain conditions, you may be entitled to invoke binding arbitration regarding your privacy concerns when other dispute resolution procedures have been exhausted.

EU-U.S. & Swiss-U.S. Privacy Shield

The EU-U.S. and Swiss-U.S. Privacy Shield Frameworks were designed by the U.S. Department of Commerce, and the European Commission and Swiss Administration, respectively, to provide companies on both sides of the Atlantic with a mechanism to comply with data protection requirements when transferring personal data from the European Union, the United Kingdom and Switzerland to the United States in support of transatlantic commerce.

International Medical Group, Inc. and its subsidiaries and affiliates, such as iTravel Insured,  and Akeso Care Management, Inc. and International Medical Administrators, Inc., participate in and have certified their compliance with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework. We are committed to subjecting all personal data received from European Union (EU) member countries, the United Kingdom and Switzerland, respectively, in reliance on each Privacy Shield Framework, to the Framework’s applicable Principles. To learn more about the Privacy Shield Frameworks, and to view our certification, visit the U.S. Department of Commerce’s Privacy Shield List. https://www.privacyshield.gov

IMG is responsible for the processing of personal data it receives, under each Privacy Shield Framework, and subsequently transfers to a third party acting as an agent on its behalf. IMG complies with the Privacy Shield Principles for all onward transfers of personal data from the EU and Switzerland, including the onward transfer liability provisions.

With respect to personal data received or transferred pursuant to the Privacy Shield Frameworks, IMG is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Under certain conditions, more fully described on the Privacy Shield website https://www.privacyshield.gov/article?id=How-to-Submit-a-Complaint , you may be entitled to invoke binding arbitration regarding your privacy concerns when other dispute resolution procedures have been exhausted.

IMG has further committed to cooperate with the EU data protection authorities (DPAs) for EU employees, and the Swiss Federal Data Protection and Information Commissioner for Swiss employees, with regard to unresolved Privacy Shield complaints concerning human resources data transferred from the EU or Switzerland, respectively, in the context of the employment relationship.

General Data Protection Regulation (“GDPR”)

Unless stated otherwise, where and when GDPR applies to the following information, IMG is the data controller. If you are a citizen or resident of the European Union and you are visiting a website affiliated with an IMG entity, or you are an insured person through IMG, or an IMG entity administers a health plan that covers you, IMG may send your personal data to the United States for use and processing as necessary to serve you or to provide you with the best products, services and experiences possible.  If this occurs, your personal information will be transferred subject to the appropriate safeguards under UK and EU law.

Lawfulness of Processing

If you are a citizen or resident of the European Union, for personal information we gather directly from you and for information we receive about you from third parties, if you are an insured, you have been asked, and do hereby, consent to process your personal information pursuant to Article 6(1)(a) of the GDPR.  You may withdraw your consent at any time. If you are visiting our website and are not (or not yet) a customer or an insured, you have affirmatively agreed to allow us to process your information by accepting our cookie notice, which shall also qualify as consent under Article 6(1)(a).  For insureds, customers and website visitors, we will: (i) process the personal information we collect from you or that we receive from third parties about you as necessary to further IMG’s legitimate interests, which shall not override any of your fundamental rights and freedoms; (ii) for all other purposes set forth below. We will only process such information in order to send you future marketing materials about products or services in which you may have interest subject only to your express consent. If you do not provide such express consent to receive marketing communications, IMG will not process your information for this purpose. If you do provide such consent, you may withdraw it at any time.

Time periods for storing personal information: If you are a person insured through IMG, a subsidiary, or one of its clients; or an IMG entity administers an insurance plan that covers you, IMG shall retain your personal information subject to its retention schedules, which are determined by the nature of the personal information, how IMG will use the information will be used to serve you, any regulatory controls and any applicable legal or tax considerations. We will retain the information collected about your interactions with our websites for up to one year, or until you request deletion or opt out.

If you are a European citizen or resident that has visited an IMG website, and for whom IMG has gathered personal information as described below, you have a right to request access to and rectification or erasure of personal data or restriction of processing concerning the data subject and to object to processing as well as the right to data portability.  You can exercise this right by contacting our Data Protection Officer. You also have a right to lodge a complaint with the applicable EU supervisory authority.

Collecting Your Information

IMG collects many kinds of information in order to operate effectively and provide you the best products, services and experiences we can. Regardless of the source, we believe it’s important to treat the personal information with care and to help you maintain your privacy.

In correlation with your relationship with us (e.g. consumer insured or policyholder; producer or appointed representative; or other person relating to our business), we may collect the following personal information from you and your dependents:

• Name; gender; marital status; citizenship; date of birth; physical attributes; activity records such as exercise routines; current or former medical condition and health status including other factors affecting insurability; relationship to the policy holder, insured, or claimant; contact information such as email, mailing, or alternate address, telephone, mobile, fax number; affiliated company or sponsoring organization; financial information such as payment card number and billing address; government issued ID’s such as social security number; telephone recordings of calls to our representatives and call centers; unique identifiers such as certificate, group, insured or member ID, producer, and ITINnumber; education, qualifications, and previous experience for job applicants.

We may also collect from you, information about your contacts such as your beneficiaries; your medical practitioner’s name, address, and contact information; to fulfill and/or process a claim. When you provide us with personal information about your contacts we will only use this information for the specific reason for which it is provided. If you believe that one of your contacts has provided us with your personal information and you would like to request that it be removed from our database, please contact: [email protected] .

We may receive information about you from third parties from whom we have obtained data, and combine this data with information we already have about you. For European citizens and residents who wish to discover the identity of the third parties from whom we have obtained data, please contact: [email protected]. This information helps us to update, expand and analyze our records and provide products and services that may be of interest to you. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us. Example of the type of personal information that may be obtained from third parties may include, purchased marketing data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

As is true of most websites, we gather certain information automatically. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data to analyze trends and to administer the site.

IMG and its partners use cookies or similar technologies to analyze trends, administer the website, track users’ interactions with the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it will limit your use of certain features or functions on our website or service.

Contact information for IMG’s Data Protection Officer:

9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 1-800-628-4664 [email protected]

Browser Controls for “Do Not Track” and Tracking Protection

Some IMG browsers have incorporated “Do Not Track” features. Most of these features, when turned on, send a signal or preference to the web sites you visit indicating that you do not wish to be tracked. Those IMG sites may continue to engage in activities you might view as tracking even though you have expressed this preference, depending on the sites’ privacy practices.

Most web browsers have a feature related to tracking protection that helps prevent the websites you go to from automatically sending details about your visit to third-party content providers. When you add a tracking protection list, the browser may block third-party content, including cookies, from any site that is listed as a site to be blocked. By limiting calls to these sites, the browser will limit the information these third-party sites can collect about you. And when you have a tracking protection list enabled, certain browsers may send a do not track signal or preference to the web sites you visit. For more information about Tracking Protection Lists and how to find them, please see your browser’s privacy statement or help documentation.

Our Use of Cookies and Similar Technologies

IMG uses cookies and similar technologies for several purposes, depending on the case, including:

• Storing your Preferences and Settings. Settings that enable our websites to operate correctly or that maintain your preferences over time may be stored on your device. For example, if you enter your city or postal code, we may store that data in a cookie so that you will see the relevant local information when you return to the site. We also save preferences, such as language, browser, and multimedia player settings, so those do not have to be reset each time you return to the site. If you opt out of interest-based advertising, we store your opt-out preference in a cookie on your device.
• Security. We use cookies to detect fraud and abuse of our websites and services.
• Storing Information you Provide to our Websites. When you provide information, or submit an insurance application, we store the data in a cookie to remember the product and information you have added.
• Social Media. Some of our websites include social media cookies, including those that enable users who are logged in to the social media service to share content via that service.
• Feedback. IMG uses cookies to enable you to provide feedback on a website.
• Interest-Based Advertising . IMG uses cookies to collect data about your online activity and identify your interests so that we can provide advertising that is most relevant to you. You can opt out of receiving interest-based advertising at any time.
• Showing Advertising. IMG uses cookies to record how many visitors have clicked on an advertisement and to record which advertisements you have seen so you don’t see the same one repeatedly.
• Analytics. In order to provide our websites, we use cookies and other identifiers to gather usage and performance data. For example, we use cookies to count the number of unique visitors to a web page and to develop other statistics about the operations of our web properties. This includes cookies from IMG and from third-party analytics providers like Google.
• Performance. IMG uses cookies for load balancing to ensure that websites remain up and running. Some of the cookies we commonly use are listed below. This list is not exhaustive, but it is intended to illustrate the main reasons we typically set cookies. If you visit one of our websites, the site may set some or all of the following cookies:

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.

You can set your browser to block or alert you about these cookies, but some parts of the site will not function properly.

Cookies Used:

• Sitefinity CMS
• Google Tag Manager

Performance & Interaction Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

All information these cookies collect is aggregated and therefore does not directly identify an individual. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

• Google Analytics
• Google Translate

Targeting & Advertising Cookies

These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and interactions. They do not store personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will not experience a loss of site functionality.

• DoubleClick
• Google AdWords
• Facebook Custom Audience

More Information

In addition to the cookies IMG sets when you visit our websites, third parties may also set cookies when you visit our sites. In some cases, that is because we have hired the third party to provide services on our behalf, such as site analytics. Because your browser connects to those third parties' web servers to retrieve that content, those third parties are able to set or read their own cookies on your device and may collect information about your online activities across websites or online services.

How to Control Cookies

Most web browsers automatically accept cookies but provide controls that allow you to block or delete them. For example, in Microsoft Edge, you can block or delete cookies by clicking Settings > Privacy > Cookies. Instructions for blocking or deleting cookies in other browsers may be available in each browser's privacy or help documentation.

Certain features of IMG sites depend on cookies. Please be aware that if you choose to block cookies, you may not be able to sign in or use those features, and preferences that are dependent on cookies may be lost. If you choose to delete cookies, settings and preferences controlled by those cookies, including advertising preferences, will be deleted and may need to be recreated.

Other Similar Technologies

In addition to standard cookies and web beacons-confirms user has accessed some level of content, our products can also use other similar technologies to store and read data files on your computer. This is typically done to maintain your preferences or to improve speed and performance by storing certain files locally. But, like standard cookies, these technologies can also be used to store a unique identifier for your computer, which can then be used to track behavior. These technologies include Silverlight Application Storage.

How We Use Your Personal Information

IMG uses the personal information we collect to operate, improve and personalize the products and services we offer. Personal information collected through one IMG service may be combined with information collected through other IMG services to give you a more consistent and personalized experience in your interactions with us. We may also supplement this with information from other companies. For example, we may use services from other companies to help us derive a general geographic area based on your IP address in order to customize certain services to your geographic area.

For IMG services, we use this information to provide you with relevant search results. We also use the information we collect to maintain and improve the quality, security and integrity of our products and services. For example, we may use this information for research purposes and to improve the relevancy of search results. This information is also necessary in order to detect and protect against security threats such as botnet attacks, click fraud, worms, and other threats. We also may use the information to communicate with you, for example, informing you when an insurance contract is ending, letting you know when updates are available or letting you know when you need to take action to keep your account active.

We also may use this information to assist in the fulfillment of the insurance product you purchased or the processing and administration of any insurance claims that you may submit, including, but not limited to working with providers, handling appeals, and resolving complaints. This information may be securely transmitted to third party business partners we have engaged to adjudicate, reprice, fulfill and pay claims.. For a complete list of the third parties with whom we have or may in the future safely and securely share your personal information, please contact the Data Protection Officer (DPO).

IMG provides many of our sites and services free of charge because they may be supported by advertising. In order to make these services widely available, the information we collect may be used to help improve the advertisements you see by making them more relevant to you. For example, we may use search query data for the purpose of personalizing the ads we display to you as you use our services or those of our advertising partners. The search terms you enter are categorized and certain user segments are inferred based on those terms. For example, if you search on terms associated with sports, we may associate a “sports segment” with the unique identifier contained in your cookie, and you will then be more likely to see ads related to sports.

IMG acknowledges that you have the right to access your personal information. IMG has no direct relationship with the individuals whose personal data it processes. An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data should direct their query to IMG’s Data Protection Officer. If requested to remove data we will respond within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information or may need to retain your personal information in order to continue providing a service.

When you sign into a site or service using your IMG account, we collect certain information in order to verify your identity on behalf of the site or service, to protect you from malicious account usage, and to protect the efficiency and security of the IMG account service. If you received your account from a third party, like an employer, a producer, spouse, or the legal representative, that third party may have rights over your account, including the ability to reset your password, view your account usage or profile data, read or store content in your account, and suspend or cancel your account. In these cases, you are subject to the IMG terms of use and to any additional terms of use from that third party. If you are the administrator on behalf of an employer or producer and have provided your users with IMG accounts, you are responsible for all activity that takes place within such accounts.

All sites or services that offer or market IMG’s products are required to have a posted privacy statement, but we do not control or monitor the privacy practices of external sites, and their privacy practices will vary. You should carefully review the privacy statement for each site you sign into in order to determine how each site or service will use the information it collects.

Creating an IMG Account - Some of our websites allow you to create an IMG account by providing an email address, a password and other “account proofs,” such as an alternate email address, a phone number, and a question and secret answer. We will use your “account proofs” for security purposes only - for instance, to verify your identity in the event that you cannot access your IMG account and need assistance, or to reset your password if you cannot access the email address associated with your IMG account. Some services may require added security, and in those cases, you may be asked to create an additional security key. The email address and password that you use to sign up for your IMG account are your “credentials” that you will use to authenticate with our network.

You can use an email address provided by a third party (such as those ending in gmail.com or yahoo.com) when signing up for your IMG account. Upon creating an IMG account, we may send you an email asking you to verify that you are the owner of the email address associated with your IMG account. This is designed to verify the validity of the email address and help prevent email addresses from being used without the permission of their owners. Thereafter, we may use that email address to send you communications relating to your use of IMG products and services; we may also send you promotional emails about IMG products and services as permitted by local law.

Accessing Your Personal Information and Search History

When using a web browser, you can access and manage your information, including Search History, through the preferences page. You may clear your search history from appearing on the site by following the steps provided in see your search history. Clearing your history removes it from the Search History and prevents that history from being displayed on the web browser, but does not delete information from our standard search logs, which are retained and are replaced with artificial identifiers.

Upon request IMG will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by logging into your account or by contacting [email protected] . We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information, or may need to retain your personal information in order to continue providing a service.

Our websites are not structured to attract children. Accordingly, we do not solicit or knowingly collect any personal information from anyone who visits our websites that we know to be under 13 years of age. If we are made aware that information is or has been submitted by or collected from a child below 13, we will immediately delete their personal information. This provision does not apply to insureds, customers or other individuals on behalf of whom we provide services as a result of a customer or an insured relationship.

Other Important Privacy Information

Below you will find additional privacy information you may find important. Much of this describes common practices that we want you to know about and some of this is just stating the obvious (for example, we will disclose information when the law requires it). Please keep in mind that this information is not a complete description of our practices – this is all in addition to the other, more specific information contained in the privacy statements, agreements and releases relating to each IMG product and service you use.

Sharing or Disclosing Personal Information

Except as described in this privacy statement, we will not disclose your personal information to a third party without your prior consent and as permitted under applicable laws.

We may share your information with third parties who provide services on our behalf to help with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us. When we share information with these other companies to provide services for us, they are not allowed to use it for any other purpose and must keep it confidential. These services may include:

• Adjudicating and managing the claims process
• Payment processing to healthcare providers
• Providing customer service
• Sending marketing communications (subject only to your express consent)

In certain situations, IMG may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.We may also disclose your personal information as required by law, such as to comply with a subpoena or other legal process, when we believe in good faith that disclosure is necessary to protect the rights or property of IMG, our insureds, clients or our customers, including enforcing the terms governing your use of the services, protect your safety or the safety of others, investigate fraud, or respond to a government request. If IMG is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website, of any change in ownership, uses of your personal information, and choices you may have regarding your personal information.

In addition to any sharing described in the privacy statement for the product or service you are using, IMG may share or disclose personal information with other IMG controlled subsidiaries and affiliates. For your (opt-out) choices on this type of sharing, please contact [email protected] .

We may also share some search query data with selected third parties for research purposes. Before we do so, we remove all unique identifiers such as IP addresses and cookie IDs from the data. We also run the data through a process designed to remove identifiable information that users may have included in the search terms themselves (such as social security numbers or credit card numbers). Additionally, we require these third parties to keep the data secure and not to use the data for any other purposes.

Protecting the Security of Personal Information

IMG is committed to protecting the security of your personal information. We use a variety of generally accepted standards of security technologies and procedures to help protect the personal information submitted to us, from unauthorized access, use or disclosure both during transmission and once it is received. For example, we store the personal information you provide on computer systems that have limited-role based access and are in controlled facilities. When we transmit highly confidential information (such as a credit card number or password) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share it. If you are sharing a computer, you should always log out before leaving a site or service to protect access to your information from subsequent users. If you have questions about the security of your personal information, you can contact  [email protected] .

We may retain your information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Storage and Retention - We store search terms (and the cookie IDs associated with search terms) separately from any account information that directly identifies the user, such as name, e-mail address, or phone numbers. Further, we have built-in technological and procedural safeguards designed to prevent the unauthorized connections of this data.

We partner with a third party to display advertising on our website or to manage our advertising on other sites. Our third party partner may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests. If you wish to opt out of interest-based advertising click here or if located in the European Union click here . Please note you will continue to receive generic ads.

Furthermore, because cookies can be used for many purposes, users who object to behaviorally targeted advertising may choose to accept cookies but opt out from that particular use. Companies in the online advertising industry have developed guidelines and programs to help protect users’ privacy, and these industry programs include web pages you can visit to opt out from receiving behaviorally targeted advertisements from all participating companies (including IMG). These pages include Digital Advertising Alliance (DAA) Consumer Choice Page here and Network Advertising Initiative (NAI) Opt-Out Page here .

IMG uses Google Analytics for remarketing. When users have chosen to enable Google to associate their web and app browsing history with their Google account, and to use information from their Google account to personalize ads they see across the web, Google Analytics will collect these users’ Google-Authenticated Identifiers, which are Google’s personal data, and temporarily join them to Google Analytics data for remarketing purposes. To opt out from this data collection, you may visit here .

You may sign-up to receive email or newsletter or other communications from us. If you would like to discontinue receiving this information, you may update your email preferences by using the “Unsubscribe” link found in emails we send to you or at your member profile on our website or by contacting [email protected] .

We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, please contact [email protected] .

Our website(s) offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact [email protected] . In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our website(s) includes links to other websites whose privacy practices may differ from those of IMG. If you submit personal information to any of those websites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

You may access IMG services when using other non-IMG sites or services. These sites may use the IMG API. You should refer to the privacy policy of the site for any questions about their information collection and usage practices.

California Consumer Privacy Act

IMG does not sell your personal data to third parties and will not do so. Any data that IMG processes on your behalf is subject to your express consent or relates to services that you have asked us to perform on your behalf.

You may access, correct, or request deletion of your personal information by logging into your account or by contacting [email protected] . We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information or may need to retain your personal information in order to continue providing a service. If you believe you have other rights under the California Consumer Privacy Act or have other questions regarding your data, please contact IMG’s Data Protection Officer (DPO).

Giveaways & Sweepstakes

To read the terms and conditions for participation in IMG giveaways and sweepstakes, please click here

Changes to Our Privacy Statements

We will occasionally update our privacy statements to reflect customer feedback and changes in our services. When we post changes to a statement, we will revise the "last updated" date at the top of the statement. If there are material changes to the statement or in how IMG will use your personal information, we will notify you either by prominently posting a notice of such changes before they take effect or by directly sending you a notification (sent to the e-mail address specified in your account). We encourage you to periodically review the privacy statements for the products and services you use to learn the latest information on our privacy practices.

How to Contact Us

Questions about this Statement or about IMG’s handling of your information, please contact [email protected] , or

International Medical Group, Inc. 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 USA

Official Rules: IMG Online Purchase Survey Giveaway Sweepstakes

NO PURCHASE NECESSARY TO ENTER OR WIN. Any purchase of the products or services offered by International Medical Group ® (IMG ® ), its affiliates, or subsidiaries (“Sponsor”) will not improve your chances of winning. Any person’s entry into or participation in International Medical Group’s $100 IMG Online Purchase Survey Giveaway Sweepstakes (the “Sweepstakes”) constitutes his/her agreement with all of the terms and conditions in the Official Rules, applicable laws, and acceptance of Sponsor’s decisions, which are in Sponsor’s discretion and final and binding. All Federal, State, Local, and Municipal laws and regulations apply to the Sweepstakes. Void where prohibited by law.

PRIZE. $100 Visa gift card. The Prize is neither exchangeable, refundable, nor transferable. The winner(s) is solely responsible for all taxes and consequences associated with receiving the Prize.

ELIGIBILITY. This contest is open to adult participants worldwide; you must be at least 18 years of age to enter and not subject to 18 U.S.C. § 1033. No groups, clubs, newsletters or organizations can participate in this Sweepstakes on behalf of the group, club or organization. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be tampering with the operation of the Sweepstakes or any website, or to be acting in any manner deemed by Sponsor to be in violation of the rules; or to be acting in any manner deemed by Sponsor to be disruptive, or with intent to annoy, abuse, threaten or harass any other person.

HOW TO ENTER, ENTRY PERIOD. The entry period begins July 5th, and ends on August 5th (the “Entry Period”). Entries which are duplicates, submitted by the same person, or that are submitted before or after the Entry Period will be disqualified. If eligible, you may enter by completing all information accurately, truthfully, and correctly and submitting feedback to IMG via the Purchase survey. You may also enter by emailing [email protected] with the subject line “Purchase.” Limit one entry per person during the Entry Period.

PRIZE DRAWING. A Sponsor representative at the Sponsor’s corporate office will use Microsoft Excel to randomly select a winner. The Prize can only be redeemed once after the winner(s) is chosen. Once the Prize offered is exhausted, the Prize will expire and will be designated as “Sold Out” and/or will be deleted from any public mediums and will no longer be available for redemption. The odds of winning are not high and will depend upon the number of entrants, which is currently unknown.

NOTIFICATION, DELIVERY, CERTAIN REQUIREMENTS TO RECEIVE PRIZE. All entrants are subject to verification at the sole discretion of Sponsor. Anti-fraud detection devices may be used for verification purposes. No Prize redemption will be valid if such Prize redemption is associated with any entry or participant deemed void for any reason, including without limitation, the following: (a) the entry or participant is not verified or recognized as being validly submitted by Sponsor; (b) the entry or participant is determined to have been previously entered. It is the sole responsibility of the entrant to notify the Sponsor in writing if the entrant changes his or her e-mail or postal address during the Sweepstakes. Sponsor will attempt to contact the selected winner(s) via email within three (3) business days of the drawing. Notification is deemed effective immediately upon successful sending of the email(s). If a selected individual is found to be ineligible, declines to accept the Prize, refuses to produce documentation verifying identity, or is unable to be contacted (including failing to return emails to Sponsor) within three (3) business days of Sponsor’s email to that person, at Sponsor’s election such person may be deemed to have forfeited and/or declined any interest, right, entitlement, and/or claim to receive the Prize. To be confirmed as a winner, the selected individual(s) will be required to furnish all information required by the IRS within three business days of Sponsor’s email to that person. If all requested documents are timely received and Sponsor confirms compliance with the Official Rules, the selected individual(s) will be confirmed as the Prize winner(s), and announced publicly on Monday, August 14, 2017. The Prize will be sent within ten (10) business days of Sponsor’s confirmation of the winner(s) and receipt of any documentation required by governmental entities.

PUBLICITY, GRANT OF RIGHTS, PERSONAL INFORMATION. Except where prohibited by law, the winner(s), their spouse(s), and immediate family consent to the use of his/her name, city of residence, photograph, voice, likeness, image, content, email address, or any other aspect of his/her personality (“content”) for any advertising and/or publicity by Sponsor, its affiliates, and subsidiaries, throughout the world, in all media and means now known or hereafter discovered, in perpetuity, without any notice, approval, additional compensation or other obligation. Entrants also hereby grant Sponsor a worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare electronic messages, derivative works of, display, and perform the content in connection with Sponsor’s services and its, its successors' and affiliates’ business, including without limitation for promoting and redistributing part or all of the content (and derivative works thereof) in any media formats and through any media channels. By entering the Sweepstakes and voluntarily providing personal information, each entrant grants permission to Sponsor to collect and use such information for marketing purposes and administering the Sweepstakes. Each entrant grants Sponsor a license to share personal information with its subsidiaries and affiliates for the purpose of offering their products and services and administering the Sweepstakes.

GENERAL. Sponsor reserves the right to modify, add, subtract, suspend or cancel the Sweepstakes and/or these Official Rules, in whole or in part, without prior notice and with no obligation or liability, if for any reason, the Sweepstakes is not capable of running as planned, whether due to fraud, technical difficulties, tampering or other causes outside the anticipation or control of Sponsor. By entering this Sweepstakes, entrants agree to release and to indemnify, defend and hold harmless Sponsor, its affiliates, and subsidiaries and their owners, shareholders, members, officers, employees, agents, contractors, and representatives from any and all liability, claim, action, loss, damage or injury arising from entry and/or participation in this Sweepstakes. Sponsor reserves the right, at its sole discretion, to disqualify and seek damages from any individual it finds to be tampering with the entry process or operation of the Sweepstakes, to be acting in violation of the terms of these Official Rules, violating applicable laws, or to be acting in a non-sportsmanlike or disruptive manner. Any use of robotic, automatic, macro, programmed, third-party, or like entry methods are void and disqualify the attempt to enter the Sweepstakes.

No responsibility or liability is assumed by the Sponsor for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the Sweepstakes: hardware or software errors; faulty computer, telephone, cable, satellite, network, electronic, wireless or Internet connectivity or other online communication problems; errors or limitations of any Internet service providers, servers, hosts or providers; garbled, jumbled or faulty data transmissions; failure of any email transmissions to be sent or received; lost, late, delayed or intercepted email messaging transmissions; inaccessibility of any website in whole or in part for any reason; traffic congestion on the Internet or any website; unauthorized human or non-human intervention of the operation of the Sweepstakes, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, worms; or destruction of any aspect of the Sweepstakes, or loss, miscount, misdirection, inaccessibility or unavailability of information used in connection with the Sweepstakes. Sponsor is not responsible for any typographical or printing errors in these guidelines, or any inaccurate or incorrect data contained on any website, including without limitation, the number of prizes available, or any personal injury or property damage or losses of any kind which may be sustained to user's or any other person's computer equipment or electronic equipment resulting from online participation in the Sweepstakes, or use of or download of any information from any website. Use of any website is at user’s own risk. Without limiting the foregoing, everything on any website is provided “as is” without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement.

DISPUTES. The interpretation and enforceability of these Official Rules is governed by the laws of the State of Indiana. All disputes arising or connected to this Sweepstakes will be resolved individually, without resort to a class action, exclusively by state or federal court located in the judicial district encompassing Indianapolis, Indiana. If there is a conflict between the laws of the State of Indiana, and any other laws, the conflict will be resolved in favor of the laws of the State of Indiana. All judgments and awards in favor of a participant or winner shall be limited to the lesser of the Prize or actual out-of-pocket damages (excluding attorney’s fees) associated with the entrant’s participation in this Sweepstakes and shall not include any indirect, punitive, and/or consequential damages.

Terms of Use

Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions and eligibility requirements apply. In addition, if you are a United States or foreign citizen physically located and/or living in the United States while viewing this website, there may be certain additional restrictions, conditions and eligibility requirements that apply. Please contact IMG or your independent insurance broker/agent for details.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY USING THIS SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.

Restrictions of Materials

This site is owned and operated by INTERNATIONAL MEDICAL GROUP®. No material from this site may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work or otherwise exploited in any way without the prior written consent of INTERNATIONAL MEDICAL GROUP. The use on this site by any person of any data mining, data scraping, robot or similar process, device, software or similar or related technology is strictly prohibited. The modification or use of the materials from this site for any commercial purpose is strictly prohibited and is a violation of trademark, copyright and other proprietary rights owned by parties including INTERNATIONAL MEDICAL GROUP and its affiliates.

THE MATERIALS IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBIE UNDER APPLICABLE LAW, INTERNATIONAL MEDICAL GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. INTERNATIONAL MEDICAL GROUP DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. INTERNATIONAL MEDICAL GROUP DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT INTERNATIONAL MEDICAL GROUP) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATING IN ANY WAY TO YOUR USE OF THIS SITE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Google Translation

Translations of pages on the IMG website are performed by Google Translate, a third-party service over which IMG has no control. Google Translate is a free online language translation service that can translate text and web pages into different languages. Computerized translations are only an approximation of the website's original content. The translation should not be considered exact and in some cases may include incorrect, incomplete or offensive language. IMG does not warrant the accuracy, reliability or timeliness of any information translated by Google Translate. In addition, some applications, files or items cannot be translated, including but not limited to graphs, photos, drop-down menus or portable document formats (pdfs).

Please be aware that when a translation is requested, you will leave the IMG website. IMG does not endorse the use of Google Translate and there are other translation services may also be used to view our site. Any person or entities that obtain or rely upon information obtained from the Google Translate service does so at his or her own risk. When a translation is complete, you assume the risk of any inaccuracies, errors or other problems encountered. IMG is not responsible for any liability, damage or issues that may possibly result from using Google Translate.

If you have any questions about Google Translate, please click the following link: Google Translate FAQs.

Limitation of Liability

Under no circumstances, including but not limited to negligence, shall INTERNATIONAL MEDICAL GROUP be liable for any indirect, special, incidental, consequential or other damage, including, but not limited to, loss of data or lost profits, which result from the use of, or the inability to use, the materials in this site, even if INTERNATIONAL MEDICAL GROUP or an INTERNATIONAL MEDICAL GROUP authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. Notwithstanding the above, in no event shall INTERNATIONAL MEDICAL GROUP's total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this site.

Unsolicited Creative Submissions

NTERNATIONAL MEDICAL GROUP welcomes comments regarding its products and services. However, INTERNATIONAL MEDICAL GROUP's policy is not to accept or consider creative ideas, suggestions, or materials other than those it has specifically requested. We hope you will understand that it is the intent of this policy to avoid misunderstandings when projects developed by INTERNATIONAL MEDICAL GROUP's very productive staff are similar to someone else's creative work. Accordingly, we must ask that you not send us any such ideas. While we do value your feedback on our products and services, we request that you limit your comments to our products and services, and not submit any creative ideas, suggestions or materials. If, despite our request that you not do so, you send us creative suggestions, ideas, notes, drawings, concepts or other information ("Information"), that Information shall be deemed, and shall remain, the property of INTERNATIONAL MEDICAL GROUP. None of the Information shall be subject to any obligation of confidentiality on the part of INTERNATIONAL MEDICAL GROUP and INTERNATIONAL MEDICAL GROUP shall not be liable or owe any compensation for any use or disclosure of the Information, subject only to applicable copyright or patent laws of the United States.

Termination

This agreement regarding the legal restrictions and terms of use for this website is elective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all INTERNATIONAL MEDICAL GROUP site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from INTERNATIONAL MEDICAL GROUP if, in INTERNATIONAL MEDICAL GROUP's sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other INTERNATIONAL MEDICAL GROUP site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

Patient Protection and Affordable Care Act (PPACA)

IMPORTANT NOTICE: Our insurance is not subject to, and does not provide benefits required by, PPACA. PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew our products, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is solely your responsibility to determine if PPACA is applicable to you.

This agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both Parties.

Service Marks

The marks, designs and logos listed and displayed below, and/or as otherwise used and published on this Website, are the trademarks, service marks and/or registered marks of International Medical Group, Inc. and/or its subsidiaries in the United States and/or other countries. All rights and interests in and to such marks, designs and logos are fully reserved for all purposes.

ACM® AKESO® AKESO CARE MANAGEMENT® COVERAGE WITHOUT BOUNDARIES® CREWSELECT INTERNATIONAL℠ EUROGLOBAL DAILY INDEMNITY® EUROGLOBAL MEDICAL INSURANCE® EUROGLOBAL TERM LIFE INSURANCE® EUROGLOBAL® FAMILY MATTERS® GEO℠ GROUP GLOBAL CREW MEDICAL INSURANCE® GLOBAL EMPLOYER'S OPTION℠ GLOBAL MEDICAL INSURANCE® GLOBAL MISSION BASIC® GLOBAL MISSION MEDICAL INSURANCE℠ GLOBAL PEACE OF MIND® GLOBAL SENIOR PLAN® GLOBALFUSION℠ GLOBALSELECT® GLOBEHOPPER® HEADSTART® ICM® IMG® IMGLOBAL® INSURANCE WITHOUT BOUNDARIES® INTERNATIONAL MARINE MEDICAL INSURANCE℠ INTERNATIONAL MEDICAL GROUP® ITRAVELINSURED® LARGE COMPANY RESOURCES, SMALL COMPANY ATTITUDE® MEDICAL COVER WITHOUT BOUDARIES® MISSION + PLUS INTERNATIONAL® MP+INTERNATIONAL® MYIMG℠ OUTREACH AMERICA℠ OUTREACH INTERNATIONAL℠ OUTREACH TRAVEL MEDICAL INSURANCE℠ PASSPORT PROTECTION PLUS® PATRIOT AMERICA® PATRIOT ADVENTURE℠ PATRIOT EXECUTIVE® PATRIOT EXTREME® PATRIOT GOTRAVEL℠ PATRIOT GOTRAVEL℠ GROUP PATRIOT GREEN TRAVEL MEDICAL INSURANCE℠ PATRIOT GREEN GROUP TRAVEL MEDICAL INSURANCE℠ PATRIOT GREEN℠ PATRIOT GREEN GROUP℠ PATRIOT GROUP TRAVEL MEDICAL INSURANCE® PATRIOT INTERNATIONAL® PATRIOT MULTI-TRIP℠ PATRIOT PLATINUM TRAVEL MEDICAL INSURANCE℠ PATRIOT PLATINUM GROUP TRAVEL MEDICAL INSURANCE℠ PATRIOT PLATINUM℠ PATRIOT PLATINUM GROUP℠ PATRIOT T.R.I.P.® PATRIOT T.R.I.P.® ELITE PATRIOT T.R.I.P.® STUDENT PATRIOT TRAVEL MEDICAL INSURANCE® PATRIOT® REPATRIOT® SELECTAPLAN® STUDENT HEALTH ADVANTAGE℠ VISITORS CARE® WE'RE THERE WITH YOU℠ YOUR$HARE® (stylized) YOURSHARE®

Foriegn Marks

AKESO® / European Community EUROGLOBAL® / CTM EUROPEAN UNION (Word Mark) GLOBAL SELECT® / European Community GLOBAL SELECT℠ / CHINA HEADSTART® / European Community HEADSTART℠ / CHINA IMG AND DESIGN®/ BRAZIL (Block) IMG AND DESIGN®/ COLUMBIA (Block) IMG INTERNATIONAL MEDICAL GROUP AND DESIGN® / ARGENTINA (Letterhead) IMG INTERNATIONAL MEDICAL GROUP AND DESIGN® / European Community IMG INTERNATIONAL MEDICAL GROUP® / CTM European Community(Letterhead) IMG® AND DESIGN / Argentina (Block) IMG® AND DESIGN / CHILE (Block) IMG® AND DESIGN / COSTA RICA (Block) IMG® AND DESIGN / CTM EUROPEAN UNION (Block) IMG® AND DESIGN / ECUADOR (Block) IMG® AND DESIGN / EL SALVADOR (Block) IMG℠ AND DESIGN / VENEZUELA (Block) PATRIOT AMERICA® / EUROPEAN COMMUNITY PATRIOT INTERNATIONAL℠ / EUROPEAN COMMUNITY VISITORS CARE℠ / EUROPEAN COMMUNITY

• Skip to primary navigation
• Skip to main content
• Skip to primary sidebar
• Skip to footer

• Best Global Medical Insurance Companies
• Student Insurance
• Overseas Health Insurance
• Insurance for American Expats Abroad
• Canadian Expats – Insurance and Overseas Health
• Health Insurance for UK Citizens Living Abroad
• Expat Insurance for Japanese Abroad
• Expat Insurance for Germans Living Abroad
• Travel Medical Insurance Plans
• Trip Cancellation Insurance
• Annual Travel Insurance
• Visitors Insurance

Top 10 Travel Insurance Companies

• Best Travel Insurance for Seniors
• Evacuation Insurance Plans
• International Life Insurance for US Citizens Living Abroad
• The Importance of a Life Insurance Review for Expats
• Corporate and Employee Groups
• Group Global Medical Insurance
• Group Travel Insurance
• Group Life Insurance
• Foreign General Liability for Organizations
• Missionary Groups
• School & Student Groups
• Volunteer Programs and Non-Profits
• Bupa Global Health Insurance
• Cigna Close Care
• Cigna Global Health Insurance
• Cigna Healthguard
• Xplorer Health Insurance Plan
• Navigator Health Insurance Plan
• Voyager Travel Medical Plan
• Trekker Annual Multi-Trip Travel Insurance
• Global Medical Insurance Plan
• Patriot Travel Insurance
• Global Prima Medical Insurance
• Student Health Advantage
• Patriot Exchange – Insurance for Students
• SimpleCare Health Plan
• WorldCare Health Plan
• Seven Corners Travel Insurance
• Trawick Safe Travels USA
• SafeTreker Travel Insurance Plan
• Unisure International Insurance
• William Russell Life Insurance
• William Russell Health Insurance
• Atlas Travel Insurance
• StudentSecure Insurance
• Compare Global Health Insurance Plans
• Compare Travel Insurance Plans
• Health Insurance in the USA
• Health Insurance in Mexico
• Health Insurance in Canada
• Health Insurance in Argentina
• Health Insurance in Colombia for Foreigners
• Health Insurance in Chile
• UK Health Insurance Plans for Foreigners
• Health Insurance in Germany
• French Health Insurance
• Italian Health Insurance
• Health Insurance in Sweden for Foreigners
• Portuguese Health Insurance
• Health Insurance in Spain for Foreigners
• Health Insurance in China
• Health Insurance in Japan
• Health Insurance in Dubai
• Health Insurance in India
• Thailand Health Insurance
• Malaysian Health Insurance for Foreigners
• Health Insurance in Singapore for Foreigners
• Australian Health Insurance for Foreigners
• Health Insurance in New Zealand
• South Africa Health Insurance for Foreigners
• USA Travel Insurance
• Australia Travel Insurance
• Mexico Travel Insurance
• News, Global Health Advice, and Travel Tips
• Insurance Articles
• Travel Advice and Tips
• Best Hospitals in the United States
• Best International Hospitals in the UK
• Best Hospitals in Mexico

Or call for a quote: 877-758-4881 +44 (20) 35450909

International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

IMG Patriot Platinum

Patriot Travel Medical Insurance

Patriot Platinum is the highest-rated plan by customers from  International Medical Group's   Patriot Travel Series. Patriot International and Patriot America Platinum plans include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.

Both plans are available for a minimum of 5 days and can be renewed for a maximum of three years if you purchase at least one month of coverage with no break in coverage. Renewals are available in whole month or daily increments and can be purchased online.

U.S. citizens are eligible for the Patriot International Platinum plan for travel outside the U.S. The plan also provides coverage for brief returns to the U.S.

Patriot America Platinum is available to individuals traveling outside their home country and the U.S. 

U.S. citizens residing outside the U.S. can also purchase the Patriot America Platinum plan for visits back to the U.S.

Continue reading to learn more about IMG Patriot Platinum travel medical plans.

Patriot Platinum is the highest-rated plan by customers from  International Medical Group's   Patriot Travel Series. Patriot International , for travel outside of the USA, and Patriot America , for travelers visiting the USA, include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.

Continue reading to learn more about IMG Patriot Travel Medical Insurance, one of the best travel medical insurance plans available.

Patriot Travel Medical Insurance Highlights

Plan limits and deductibles.

Patriot America and Patriot International Platinum offer a maximum medical limit of up to $8 million. Both plans allow travelers to choose a deductible between $0 and $25,000.

Policyholders can access a national network of board-certified doctors and pediatricians in the U.S. 24/7/365 to help diagnose, treat, and prescribe medication via phone or online video consultations.

Coverage for Pre-Existing Conditions

For travelers under age 70, coverage for acute onset of pre-existing conditions is available. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition.

COVID-19 Coverage

COVID-19 Coverage is included, and charges for treatment resulting from COVID-19 are covered the same as any other illness covered under a Platinum policy.

Ready to purchase an IMG Patriot Platinum plan?

Get your quote and purchase online in minutes!

Patriot Platinum Schedule of Benefits

Please review the plan limits for Patriot America Platinum and Patriot International Platinum in the table below. Patriot International Platinum is designed for U.S. citizens traveling outside the United States, while Patriot America Platinum is designed for travelers visiting countries outside their home country and the United States.

The following benefits and coverage levels are shared between Patriot America Platinum and Patriot International Platinum.

Plan Maximums

Download the IMG Patriot Platinum brochure to review the schedule of benefits and optional riders to include in your plan.

Expand your Patriot Platinum Coverage with Additional Riders

IMG's Patriot America and International Platinum Plans are easily customizable to meet your needs while you are away from home. You can add the optional Riders to your Platinum plan when you submit your application.

The Adventure Sports Rider provides additional coverage for injuries sustained during participation in extreme activities, such as parachuting or whitewater kayaking.

Lifetime Maximum

Age 0-49: $50,000

Age 50-50: $30,000

Age 60-64: $15,000

The Trip Protection Rider can protect you from financial losses due to unexpected events before or during your trip. This Rider can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

Please note this Rider option is available on individual plans for U.S. residents only.

The Mobile Device Protection Rider provides coverage for repair or replacement of your cell phone if it is lost, stolen, or damaged during your trip.

The Accidental Death and Dismemberment Rider is available to the primary insured only and will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

How Much Does a Patriot Platinum Travel Medical Plan Cost?

The Patriot Travel Medical Insurance plan ranges from as little as $1.45 per day to as much as $8 per day.

The premium is calculated using your age, medical maximum limit, and deductible. Including optional riders in your plan will also impact the premium amount. You can change your deductible amount and the maximum medical benefit to secure additional coverage or change the total premium charged.

The rates in the tables below were calculated using a $0 deductible. Higher deductibles will lower your rates.

Patriot Platinum Rates per Day

If you are a U.S. citizens traveling outside the United States, review the Patriot International Platinum cost per day rates. If you are a non-U.S. citizen or a U.S. citizen residing outside the U.S., review the Patriot America Platinum cost per day rates.

Patriot America Platinum

Patriot International Platinum

Rates were last updated on May 7, 2024

Related literature: Expat Insurance for Americans Abroad

Eligibility Requirements for IMG's Patriot Platinum Plan

Patriot International Platinum travel insurance is available to U.S. citizens and permanent residents traveling outside of the United States (with coverage included for brief returns to the U.S.) and for non-U.S. citizens traveling outside of their home country.

Patriot America Platinum travel insurance is available to non-U.S. citizens who will be traveling to the United States. U.S. citizens who permanently reside outside the U.S. are also eligible to purchase Patriot America Platinum for trips to the U.S.

Travelers 65 years of age and older visiting the U.S. must begin coverage within 30 days of arrival in the U.S. This requirement is waived with proof of previous valid international travel insurance.

Related literature: Seniors Travel Insurance

FAQs About the Patriot Travel Medical Insurance Plan

Can i extend my patriot travel medical insurance coverage.

You can extend your Patriot Platinum coverage for up to 36 continuous months. You must initially purchase coverage for at least one month to renew your plan. You can then extend your plan for up to one full year.

After one year of coverage, you can renew your Patriot Travel Medical Insurance plan for an additional period, up to 12 more months of coverage. This can be done multiple times for up to a total of 36 months of coverage.

Does the IMG Patriot Travel Medical Insurance plan meet Visa requirements?

Once you have applied and purchased coverage, you will be provided with a visa letter to use when applying for a visa in any country worldwide. You must determine each country's specific requirements for the coverage level required and then purchase a plan that meets those requirements.

All Patriot Travel Medical Insurance plans meet Schengen Visa requirements if you are traveling to Europe.

Which medical network do I have access to in the U.S. with my IMG Patriot America Platinum plan?

The U.S. network for travelers inside the U.S. is UnitedHealthcare . UnitedHealthcare provides travelers with direct access to the following:

• Over 1.4M physicians
• 6,797 hospitals
• Over 45,000 clinics
• 67,000 pharmacies
• 1,800 convenience clinics

Which global medical network do I have access to with my IMG Patriot International Platinum plan?

IMG's International Provider Access network provides travelers outside of the U.S. with access to quality healthcare worldwide. IMG's proprietary network provides travelers with access to the following:

• Over 18,550 physicians and facilities
• Direct billing arrangements that minimize time and upfront expense

When can I purchase an IMG Patriot Platinum plan for my upcoming travel?

You can purchase an IMG Patriot Travel Insurance policy at any time prior to your trip start date up to the day you travel if you choose.

You can apply a month or more before leaving. It is your choice. Applicants may choose to apply for the Patriot plan after their trip has begun. In this case, coverage will not be effective until the application has been approved and you have paid the applicable premium.

You can change the start and end date for your plan at any time before the current start date without any penalty. There may be an extra charge if your total number of days traveling is more than you initially purchased.

Can I cancel my IMG Patriot Platinum plan if my circumstances change and I no longer need it?

The plan administrator, IMG, will refund your premium if you cancel your policy prior to the start of your trip.

You may also request a cancellation after your trip has begun, but your request may be denied depending on the policy, the reason for cancellation, and the timing of your request.

Purchase Patriot Travel Medical Insurance Today

International Medical Group

IMG Global Medical Insurance Plan

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

• Patriot America

Patriot America ® Plus Individual & family – Short-term coverage available from five days up to two years.

Insurance for Visiting the USA, or Immigrating to the USA

Img patriot america plus international medical travel insurance with telehealth benefits, medical insurance for international travel for non-u.s. citizens and non-u.s. residents traveling globally, including to america, why we like it:.

WE HIGHLY RECOMMEND Patriot America Plus travel health insurance for USA visitors for trips from 5 days to 12 months. It offers great coverage for those traveling to the USA as their primary destination. It has a discounted group option, and covers acute onset of pre-existing conditions. Coverage for:

• Individuals, groups, and their dependents with maximum limits you choose from $50,000 to $1,000,000.
• Non-U.S. citizens for travel to America and countries outside of their home country
• U.S. citizens residing outside the USA to visit the U.S.
• Up to age 69, ages 70-80+ on reduced benefits
• Coverage includes COVID-19

This plan includes emergency medical evacuation of up to $1,000,000 lifetime maximum. It’s independent of medical insurance limit, with no deductible

Learn about the plan through this video

• For travel to America and countries outside of your home country
• Travelers up to age 80+
• U.S. citizens living abroad and needing coverage for trips to the USA
• Has great benefits for the low price

More about Patriot America Plus travel health insurance for USA visitors

for those residing outside the U.S. traveling to the USA or throughout the world (including the USA)

• Patriot America Plus provides coverage for non-U.S. citizens traveling to the USA or to the USA and other countries For those non-U.S. traveling throughout the world (but not including travel to the USA), please select Patriot International.
• Coverage for non-U.S. citizens traveling to America, and for U.S. citizens residing outside the U.S. but traveling to the U.S.
• Coverage up to age 70
• This  plan  offers a complete package of international benefits available 24 hours a day to individuals and families.
• Acute Onset of Pre-existing Condition prior to age 70 for medical up to the policy maximum
• Emergency medical evacuation due to pre-existing condition ($25,000 lifetime maximum on pre-existing conditions to age 70)
• We also have a discounted group option – Scroll to bottom of page

Patriot America Plus Travel Medical Insurance Benefits

Travel health insurance for usa visitors.

Maximum medical insurance limits: (USD currency)

Individual deductible options: (USD currency)

Emergency medical evacuation

• Up to $1,000,000 lifetime maximum
• Independent of medical insurance limit
• No deductible

Continuation of treatment period – Earlier of six months per injury or illness or upon return to home country

No end of trip home country coverage. Coverage will terminate the date the insured person returns to his/her Country of Residence unless covered as an incidental trip.

Please see the brochure for the full list of benefits

Note: IMG Patriot America Plus has a discounted group option for five or more travelers traveling together.   See below.

Pre-existing Conditions – What is covered?

Definition of Acute Onset of Pre-existing Condition:

A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs

• Spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care;
• After the Effective Date; and
• Prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time. And/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.

Optional riders

Adventure sports 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, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing.

Enhanced 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.

Who this plan is designed for?

• Graduating seniors trips
• College students studying abroad
• Foreign au pairs and nannies
• Families sponsoring exchange students
• International vacationers
• Relatives visiting from overseas
• Recently arrived immigrants

Patriot America Plus visitor insurance USA provides coverage for non-U.S. residents traveling to the United States. Or to the USA in addition to other countries/destinations. (Patriot International would be your choice if your travels do not include the USA at all.) The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides a wide range of plan maximum limits and deductible options. It’s available for a minimum of five days up to a maximum of two years, in accordance with the terms of the Certificate of Insurance.

Excellent travel benefits and services to meet your global travel needs

You’ll have access to:

• International, multilingual customer service centers
• Claims administrators who process claims worldwide in virtually every language and currency
• 24 hour access to highly qualified coordinators of emergency medical services and international treatment.

Additional Information:

• Sample contract
• There is an annual version of this plan including unlimited trips
• IMG Patriot America Plus also has a discounted group option . Requires at least 5 people – Do not have to be related.

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

Patriot America Plus Review – Travel Insurance Worth Buying?

If you are looking for a good visitor’s travel insurance plan while you’re traveling to USA, you’ve come to the right place. I’ve been writing extensively about tips to getting the best travel insurance for visitors and in this article, I’ll review one of the most popular travel insurance plans out there – the Patriot America Plus Travel Insurance . Read on…

Patriot America IMG (International Medical Group) is a travel insurance plan for non-U.S. citizens traveling anywhere outside of their home country. So for Indians (and others) traveling to USA on business trip or pleasure trip, this is a good plan to consider.

It is a comprehensive medical travel insurance plan. Read this article to understand the difference between a comprehensive medical insurance and limited medical insurance .

What it essentially means is that this policy has better coverage and is suited for those travelers who wants to be covered for more than just the basics.

Let’s get into some details of this product.

In this article…

Who is it suited for?

This plan is more suited for non-U.S citizens who are traveling to USA (or any other country other than their homeland) for more than a few days for business, leisure or other purposes. If you have any pre-existing medical conditions, this plan might cover it through your trip. (Please check with the company on updated details as things change all the time.)

Patriot America Plus Coverages & Benefits

This plan offers coverage like medical expenses of up to $1,000,000 with a variable deductible, sudden recurrence of pre-existing conditions, emergency medical evacuation, and other protections. I strongly advice checking with the company on what exactly are the pre-existing conditions and in which circumstances are the policy covered.

Patriot America Plus Advantages

• Comprehensive coverage plan that covers more than the basics
• Includes  PPO network  (better coverage)
• Deductible must be satisfied only once per policy period
• Policy can be bought online , cancelled or refunded if required (flexible)

Patriot America Plus Disadvantages

• For travelers above 80 years, there’s a limit of $10,000
• There’s a $50 cancellation fee
• Precertification for certain medical treatments required to avoid 50% reduction in benefits.

How Patriot America Travel Insurance works

Since this is a PPO plan, you can go to any Doctor or hospital you like. To get better rates and choices, it’s recommended that you visit an “in-network” Doctor. Finding one is easy. You just need to call up the insurance customer helpline and find out the hospitals/Doctors who are in-network approved in your area.

After the deductible, plan pays 90% for the first $5,000 and 100% after that.

Patriot America Plus Benefits

As of April, 2017 – Here are the published list of their Patriot America Plus plan benefits. Please check with the company directly for any changes.

• Do you recommend this travel insurance plan? – Yes, if you are looking for a good comprehensive coverage plan.
• How much does it cost to buy it? – Pretty cheap in my opinion ( less than $55 if you buy from here ) and it is worth it.

You might find these articles interesting

• Best Group Travel Insurance Plans for USA
• Choice America Travel Insurance Review
• 3 Best Travel Insurance for Cuba
• What is covered in Visitors Insurance?
• Best Health Insurance Plans for Visitors to US

About the Author

Mani Karthik

Entrepreneur, Mentor & Blogger. I help business grow & scale. Have helped 15+ companies scale in US, Middle East and India. I share everything I learned on this blog, so that you benefit. Here’s more about me .

4 responses to “Patriot America Plus Review – Travel Insurance Worth Buying?”

It depends on the case and cannot be generalized. If someone says they had a tough time getting the claim, it may mean that they didn’t have the documents and enough support to prove their case. These ppl go on and say it doesn’t work.

I link to online resource that allows to find doctors in their network by zip code would be helpful. I confirmation that no such resource exists would be helpful too.

This is a very important question. What I suggest is before taking up any plan, call up their support lines and ask what they’d do in an imaginary situation. There are lot of moving parts that it is impossible to make general conclusions. Ask and study well about the plan you’re getting…how they will benefit you in any unfortunate situation before buying

Do you know if these plans process proper claims?

I hear many such insurance plans are simply denying all claims and the customers never get their money back. These days the doctors are also not accepting these plans and saying they will charge full value and then we have to get refund or claim from these insurance providers but they simply don’t serve the customer properly and deny all claims.

Also they ask several years of medical records and keep delaying the process and mostly end up denying the claim after all the tedious process.

Have you done any research on this topic regarding proper claims?

Leave a Reply

Your email address will not be published. Required fields are marked *

Learn how to make a side income from online business.

Blogitivity Media LLC, 30 N Gould St Ste N, Sheridan, Wyoming, USA, 82801 Copyright 2024 – ManiKarthik.com

Soaring insurance costs are making more homeowners go without it

• The number of American homeowners without insurance has jumped to 12% from 5% in 2019.
• The spike in uninsured homes is being driven by a dramatic rise in the cost of coverage.
• Higher premiums are putting a strain on households already struggling to afford life’s staples.

It was 2019 when Anjali Tierra decided that homeowners insurance wasn't worth the price.

The retired high school teacher, 58, took out a policy in late 2018 after purchasing a three-bedroom home nestled in the Tehachapi Mountains of southern California. She considered the insurance affordable at less than $100 a month, and the coverage brought her peace of mind while living in a “very high” fire hazard severity zone.

But the following year, when Tierra’s insurance provider sent her a renewal notice, she learned her monthly payment had jumped to $350 – more than what she was comfortable paying with the $3,500 she gets each month from her pension. She dropped the insurance policy, assuming she would find affordable coverage somewhere else.

Her search turned up empty. She's been without homeowners insurance ever since.

"Every year, usually in the springtime, I will start to do the research again," she said. "I will just randomly choose an insurance company to see if they'll cover me. And since 2019, I've been rejected by every single insurance company, large and small."

Learn more: Best home insurance

Tierra is among a growing number of American homeowners who are “going bare,” or living without homeowners insurance. A recent study from the Insurance Information Institute found 12% of Americans no longer have home insurance, up from 5% in 2019. 

It’s the highest level of uninsured homeowners the industry-funded research group has seen, and follows a dramatic spike in the cost of coverage .

“It is a very concerning trend as catastrophe losses continue to escalate,” said Mark Friedlander, director of corporate communications at the Insurance Information Institute. “It is not feasible for most Americans to pay out of pocket for a significant loss to their property.”  

What are the risks of not having home insurance?

Dropping insurance isn’t an option for most U.S. homeowners. 

Mortgage lenders typically require proof of homeowners insurance – which covers select damages to the house, its contents and other structures on a property. Homeowners who fail to secure coverage can find their lender charging them for “force-placed insurance,” which can be twice as expensive as other insurance policies and protects the lender rather than the homeowner.

But for the roughly 40% of Americans who own their home outright, homeowners insurance may be viewed as a discretionary purchase ‒ even if industry experts say forgoing insurance often isn't worth the risk.

 "You're gambling on whether your property is going to sustain a loss," said Tim Zawacki, principal research analyst for insurance at S&P Global Market Intelligence. "And when you look at things like some of these hurricane forecasts that are out there, and data regarding the frequency of severe convective storms, that's a risky bet."

That hasn't stopped some homeowners from opting to “self insure,” or set aside money to save up for out-of-pocket losses that would have gone toward a premium. Others, like Tierra, focus on mitigation efforts to prepare their homes for potential disasters.

Tierra keeps the area near her home clear of any brush and trees and has installed ember-proof vents on her roof. Still, every fire season without insurance puts her on edge.

“This is my nest egg,” she said. “I do everything I can do possibly to protect my pets and to protect my emotional welfare, but it has been emotionally draining.”

The stress levels households are experiencing around the insurance crisis is “unprecedented,” according to California consumer insurance advocate Amy Bach.

“The majority of homeowners’ net worth is tied up in their homes. You can lose most of your net worth in one severe weather event if you don’t have insurance,” she said. 

Bach co-founded the consumer advocacy group United Policyholders three decades ago to counter the wealthy and powerful insurance industry. She says she knows people are getting priced out of homeowner’s insurance from her work on the ground in California.

“The premiums people are getting quoted are insane, $12,000, $18,000, $40,000. They can’t get their minds around it or their wallets,” she said.  

Why has homeowners insurance gone up so much?

Insurance companies sought to raise homeowners' premiums by more than 11% last year , according to S&P Global Market Intelligence. 

Analysts say insurance companies are trying to keep up with years of big losses as inflation and supply chain disruptions pushed up the costs to fix damaged homes. The Insurance Information Institute reports that insurers paid on average $1.10 for every $1 in premium they collected last year. 

Is homeowners' insurance required? Why more than 6 million Americans don't have it

Then there’s climate change, which is intensifying extreme weather. The National Oceanic and Atmospheric Administration reported 28 billion-dollar disaster events last year, a new record in the inflation-adjusted data going back to 1980.

“You have all these factors combining to result in people paying a lot more for the same amount of coverage,” said Zawacki of S&P Global Market Intelligence.

He expects another double-digit rate of growth this year.

Former Federal Emergency Management Agency administrator Craig Fugate said for some mortgage-free homeowners, dropping insurance may not be a bad decision if they have large enough cash reserves. But people tend to underestimate their exposure and the cost to repair.

"It's a risky decision," he said.

Why are Americans losing home insurance?

The higher premiums are putting a strain on households already struggling to afford price increases on life’s staples, from groceries to health care to automobiles , particularly lower-income households that have depleted pandemic-era savings and are running up credit card debit and falling behind on payments. 

At the greatest risk are low-income homeowners and homeowners of color who disproportionately go without homeowners insurance, research shows.

The Consumer Federation of America found homeowners who make less than $50,000 a year are twice as likely as the general population to go uninsured. The consumer advocacy group also found that 22% of Native American, 14% of Hispanic and 11% of Black homeowners have no homeowners insurance, leaving them more at risk than white homeowners.

Age is another significant factor. Older Hispanic and Black households are at higher risk of being uninsured. Older homeowners in general are more likely to leave their homes unprotected than younger ones.

“For many families around the country, their house is not only their home, but also their most valuable financial asset,” said Sharon Cornelissen, director of housing at the Consumer Federation of America. “One major storm or fire can turn an uninsured homeowner into an unhoused family or leave them to live in the wreckage of a damaged, unsafe home.” 

That’s what happened to James Mercadal.

The 54-year-old inherited his two-bedroom house in New Orleans after his parents died in 2004. Mercadal had lived in the 7th Ward home his entire life, but was forced to temporarily move out after Hurricane Ida hit the city in 2021. 

Mercadal said the damage was extensive. The roof, drywall and various furniture needed to be fixed or replaced, the floors had been flooded, and the home was growing mold. In all, he said roughly $38,000 worth of work was needed.

But as a person who is blind and living on a fixed income, Mercadal couldn’t afford the monthly insurance – let alone the repairs. 

“I’m interested in getting the insurance (now),” he said. “But with my income being at $900 a month, I don’t think I will be able to afford it.”

Mercadal has received assistance from the disaster relief organization SBP . Now, after a short stint in Houston after the hurricane, he’s back in his home.

In what states is it hard to get homeowners insurance?

Cornelissen of the Consumer Federation of America said this is a nationwide crisis in the making. Higher-risk areas may face higher costs first, but the rest of the country won’t be far behind. 

Yes, coastal disasters hurricanes and wildfires are affecting a growing number of people on the coasts. The U.S. Fire Administration estimates that more than 46 million homes valued at $1.3 trillion are at risk for wildfires, and the top 10 growth states in the 2020 U.S. Census were all hurricane-prone. Some insurance providers are even beginning to pull out of states like California and Florida .

But landlocked states are getting hit harder too, with thunderstorms resulting in an estimated $64 billion worth of economic losses last year – nearly double the losses in 2022, according to reinsurer Munich Reinsurance America . 

“This is not an issue restricted to coastal states such as California and Florida,” Cornelissen said.  

Still, people underestimate the likelihood that severe weather will affect them, according to Insurance Information Institute research.  

A third of homeowners reported that they have been impacted by weather in the past five years, a 2023 survey found . Among the survey population of all homeowners, 59% believe their residence will be impacted by weather risks in the next 10 years, but 25% believe that they will never be impacted by weather risks and another 42% believe they will not be impacted in the next five years.

'I have nowhere to go'

Michelle Gradnigo is a homeowner in the fire-scarred foothill town of Paradise north of Sacramento. In 2018, the Camp Fire − the deadliest wildfire in California history − destroyed more than 90% of the homes there.

Her annual tab for homeowner’s insurance was already high – $3,531 a year – but she budgeted for it. Then in January she got her renewal in the mail. Her premium jumped 500% to $19,310. Her monthly mortgage payment doubled overnight to $8,000.

In a panic, she contacted her broker. She was told if she increased her deductible, lowered the estimated cost to rebuild and bundled her car insurance, her premium would drop by several thousand dollars. That wasn’t enough. She had to pull money out of her retirement account and take on credit card debt for a couple of months just to make the higher payments. 

More money for less coverage seemed predatory to Gradnigo. Nothing had changed in the wildfire threat level to her home, she says. Most of the trees are long gone. Her home has sprinklers inside and a fire hydrant outside. She says she turned to the state insurance commissioner and to her local representative. No one would help her. 

A health care administrator and retired lieutenant colonel in the Army, Gradnigo, 54, had hoped to move away with her 16-year-old son, but now she says she feels stuck. With runaway premiums and insurance companies dropping coverage for homeowners in high-risk areas, she has watched neighbors slash the asking price to sell their homes. 

“If I put this house on the market and it really doesn’t sell, I will know that I have nowhere to go,” Gradnigo said. “It’s despair here. No one is helping us and no one is talking about it.”

Gradnigo dropped Farmers Insurance and purchased fire insurance through the Fair Access to Insurance Requirement plan which offers a limited policy as a last resort for California property owners unable to find affordable coverage. She supplements that coverage with a policy to cover other liabilities such as water damage or theft.

Her out-of-pocket expense is now about $12,000 a year, three times what she used to pay. In addition to the higher bill, she says she no longer has the feeling of safety she once had.

“I know it’s just an insurance company. But when you’ve grown up believing your insurance agents are the people you can trust and hearing the commercials and the jingles and then they just do that to you …” she said, trailing off. 

Can I negotiate a lower insurance premium?

There are several steps homeowners can take to try to lower their homeowners insurance.

• Try bundling home insurance with auto insurance or another policy such as pet or life insurance .
• Raise the policy deductible, or ask if an insurance agent can help identify discounts.
• Shop around for a policy as soon as you get a nonrenewal notice. 
• Seek out an experienced insurance broker who can access different options.
• Reduce the risk of your home being damaged or destroyed in a disaster.

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

See the list of all 212 Northeast Ohio Top Workplaces for 2024

• Updated: Jun. 24, 2024, 3:25 p.m. |
• Published: Jun. 23, 2024, 5:30 a.m.

Top Workplaces honors Northeast Ohio businesses based on employee surveys. Energage

• Zachary Smith, cleveland.com

CLEVELAND, Ohio - Cleveland.com and The Plain Dealer are honoring 212 companies, nonprofits, schools and organizations in the 2024 Top Workplaces rankings.

The workplaces are split into four categories: mega workplaces (1,000-plus employees), large workplaces (with 500 to 999 employees), mid-size (with 150 to 499 employees) and small (149 employees and fewer).

These employers, with offices in Ashtabula, Cuyahoga, Erie, Geauga, Lake, Lorain, Medina, Portage, Stark, Summit and Wayne counties, ranked best in employee surveys from employee engagement expert Energage.

Top Workplaces 2024

• Where’s the best place to work in Cleveland? The Wake Up for Monday, June 24, 2024
• How Energage and cleveland.com decide Top Workplaces
• What employees say about their bosses and their companies: Top Workplaces 2024
• Progressive Insurance offers opportunities to grow: Top Workplaces 2024
• Concierge services, counseling, pet insurance & more benefits to attract employees: Top Workplaces 2024

Companies across the region were invited to have their employees take the survey. Any organization with at least 35 employees in the region could participate. Employers could be public, private, nonprofit or governmental. There is no cost to enter the Top Workplaces program.

For the 2024 Top Workplaces list, cleveland.com and The Plain Dealer compiled more than 200 stand-out Northeast Ohio employers based on employee surveys. Find the full list and stories on the top three winners in each of four categories at cleveland.com/top-workplaces.

Here’s the list for the 15th annual awards. Some users may need to use this link.

Mega employers

Zachary Smith is the data reporter for cleveland.com . You can reach him at [email protected] .

Stories by Zachary Smith

• Watch out for these Ohio traffic chokepoints over the July Fourth holiday
• $2.85M farmhouse tops list of most expensive Cuyahoga County home deals in May
• Major Cleveland company has highest Ohio stock growth last week
• Northeast Ohio is about to see a series of severe thunderstorms this weekend
• Cleveland, much of area dips into a drought following heatwave

If you purchase a product or register for an account through a link on our site, we may receive compensation. By using this site, you consent to our User Agreement and agree that your clicks, interactions, and personal information may be collected, recorded, and/or stored by us and social media and other third-party partners in accordance with our Privacy Policy.

Search When autocomplete results are available use up and down arrows to review and enter to select.

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

• Customer Stories
• Resume Quote / Application

What type of coverage do you need?

• Vacation / Holiday
• Visitor / Immigrant
• Student / Scholar
• Employer / Business Traveler
• Expat / Global Citizen
• Mission / Social Good
• Marine Captain / Crew
• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, vacation insurance plans, travel & health insurance options for vacations & holidays.

E ven the most careful travelers aren't immune to car accidents, natural disasters, or political unrest, and other unforeseen events. Most travelers assume they will be covered by their existing medical insurance plan, but that just isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Your vacation can transform from delightful to dire if you are unprepared for a medical emergency while away from home.

Our vacation insurance plans are perfect for:

• International vacationers and travelers
• Safaris & guided tours

Patriot International Lite SM provides coverage while traveling outside your home country where the destination excludes the United States or its territories (limited coverage for brief returns to the United States or its territories). Patriot America Lite SM provides coverage while traveling outside your home country where the destination includes the United States or its territories.

Popular Plans For Vacations & Holidays

iTravelInsured Travel SE

Family-friendly plan for domestic and international destinations

• Trip cancellation benefit up to 100% of trip cost
• Trip interruption benefit up to 150% of trip cost
• 24/7 access to telehealth services for non-emergency medical issues
• $250,000 medical expense coverage for unexpected illnesses & accidents while traveling (including COVID-19)
• Sickness, injury, or death of pet included as trip cancellation/trip interruption covered peril
• Travel protection plan consists of travel insurance and other non-insurance travel assistance service

Plan Benefits

The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

• COVID-19 coverage for travelers to the U.S.
• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups

• Coverages for inside and outside the U.S. ( Patriot America Lite / Patriot International Lite)
• Available in daily and monthly rates

Additional Plans For Vacations & Holidays

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the United States.

Patriot Multi-Trip Travel Medical Insurance

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

iTravelInsured Travel Insurance

Insurance that covers trip cancellation, travel delays and other losses incurred while travelling.

GlobeHopper Senior

Temporary health insurance for travelers age 65+ when traveling outside of your home country.

iTravelInsured Essential

Limited travel protection with cost effective coverage

Give us a call

Have any questions we’re here to help you, 866-263-0669, recent blog articles, where can you travel internationally right now.

There are many international destinations that you can currently visit, but here are eight popular spots to consider for your next leisure getaway.

Frequently Asked Questions

If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your plan. Additional terms apply. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional cost and terms apply. Not available in NY.**

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Need extra protection and coverage? Explore our travel insurance options.

Global Resources. Local Care.

Languages spoken in-house, countries where members are served, insurance plans to fit your needs, employees & growing, doctors & hospitals in our global database, request information, to request more information, please fill out the form below. after you submit the form, we will have an img representative contact you., contact information, company information, how can we help.

Thank you for your submission! A representative will be with you shortly.

Select your language, headquarters, send a message.

If you need to send personal information such as medical records, payment information, etc., please use our Secure Message Center .

Thank you for your message! We'll be in touch shortly.