IMG Patriot Adventure Travel Medical Insurance - Review
IMG Patriot Adventure Travel Medical Insurance
Strengths
- Strong Insurance Partner
- Designed for Adventure Travel
Weaknesses
- Aged over 49 are Excluded
- Does Not Cover All Adventurous Sports
Traveling thrill-seekers need medical cover as much as the next person. In many ways, they need cover that’s much better than average. IMG Patriot Adventure Travel Medical Insurance is one option for these adventure hounds.
- Travel medical insurance for individuals and families
- Option to purchase in 15 day increments after one month is purchased
- Deductible of $250
- Maximum limit of $50,000
- Cover for several adventure sport activities
IMG Global Travel Insurance offers two adventure plans. Patriot Adventure International provides coverage for U.S. citizens traveling outside of the U.S., while Patriot Adventure America provides cover for non-U.S. citizens traveling outside of their home country. Both plans are available for a minimum of 30 days up to a maximum of six months.
Overview of IMG Patriot Adventure Travel Medical Insurance
IMG Patriot Adventure Travel Medical Insurance is simple and straightforward travel medical cover designed for adventure seekers. Whether you’re traveling alone or with your family, you’ll be covered for many of the adventure sports activities you enjoy. This insurance covers US citizens traveling abroad or non-US nationals outside their nation of origin.
Note that despite the name, this cover does not encompass every possible adventurous sport. Nor does it cover Amateur or Professional sports, or NCAA events.
It also has no cover for those aged over 49.
In other words, this is an excellent piece of medical cover, if engaged in activity that is covered by the IMG Patriot Adventure plan, but not covered elsewhere. Certainly, this is an instance where we would always recommend that a traveler speak with an IMG representative before they purchase a plan. Make sure that you are absolutely certain that the cover you need is available for the activity you are carrying out.
IMG can be reached on (877)-837-2875 to discuss in person with a specialist.
_EjgxgWhat is IMG Patriot Adventure Travel Medical Insurance?
IMG Patriot Adventure Travel Medical Insurance is travel protection designed for thrill-seekers of all kinds. A veritable A-to-Z of adventure sports is covered under this insurance plan. Whether it’s abseiling, snowboarding, or going on a wilderness safari, you and your family will have $50,000 in maximum cover. Deductibles are set at $250 for periods of cover, which can range from terms as short as 30 days. Maximum terms go as far as six months at a time.
There’s more to this medical plan than simply the number of adventure sports that qualify for cover. Emergency and political evacuation coverage is standard, as is trip interruption, lost luggage, and emergency reunion. Meanwhile, US citizens also have access to additional standard protections. The most noteworthy of these protections is extended cover for a sudden recurrence of a pre-existing condition.
IMG Global Travel Insurance’s Patriot Adventure Travel Medical Insurance: The Missing Pieces
Patriot Adventure Travel Medical Insurance provides a wide umbrella for anyone who likes to engage in adventure sports. There are some limitations you need to know about, however.
First, traditional collegiate, amateur, and professional team sports aren’t covered under this policy. Additionally, there doesn’t seem to be any specific trip cancellation cover included. Finally, pre-existing conditions are only covered if you suffer a sudden and unexpected recurrence of symptoms. Keep these limitations in mind if you are considering this travel medical insurance.
Applying for IMG Patriot Adventure Travel Medical Insurance
Applying for Patriot Adventure Travel Medical Insurance is as simple as clicking the single Get Quote button listed on the IMG Global website. Single or family travelers all use the same link, as do U.S. citizens or non-U.S. nationals.
Still have questions about the level of cover this insurance policy provides? Contact IMG Global directly through their website’s live chat function. You can also send an email or even make a phone call if you want to speak to an IMG Global customer service representative.
PLAN INFORMATION & HIGHLIGHTS
Maximum Limit - $50,000
Deductible - $250
Coinsurance - Treatment Received Outside of the U.S. & Canada - No coinsurance
Coinsurance - Treatment Received Within the U.S. & Canada
In the PPO Network - The plan pays 90% of eligible medical expenses up to $5,000, then 100% up to the maximum limit
Out of the PPO Network - The plan pays 80% of eligible medical expenses up to $5,000, then 100% up to the maximum limit
Benefit Period - Three months
MyIMGSM - 24-hour secure access from anywhere in the world to manage your account
World-Class Medical Benefits - Cover available for inpatient and outpatient medical expenses
International Emergency Care - A wide range of international emergency benefits available, including emergency medical evacuation, emergency reunion, return of mortal remains, return of minor children and more
SCHEDULE OF BENEFITS (All cover, benefits and premium amounts shown are in U.S. dollars.)
MEDICAL BENEFITS Usual, reasonable and customary charges. Subject to deductible and coinsurance.
Hospital Room and Board - Up to the maximum limit for average semi-private room rate
Intensive Care - Up to the maximum limit
Medical Expenses - Up to the maximum limit
Outpatient Medical Expenses - Up to the maximum limit
Local Ambulance - Up to the maximum limit
Emergency Room Accident - Up to the maximum limit
Emergency Room Illness with Inpatient Admission - Up to the maximum limit
Emergency Room Illness without Inpatient Admission - Up to the maximum limit with additional $250 deductible
Dental - Injury Due to Accident - Up to the maximum limit
Dental - Sudden Dental Emergency - Up to $100
Hospital Indemnity (for U.S. citizens only) - Up to $100 per night
Overall Rating for IMG Patriot Adventure Travel Medical Insurance
Patriot Adventure Travel Medical Insurance from IMG Global is a good, targeted travel plan for anyone who enjoys adventure. Knowing that you’re covered for any accidents that occur while engaging in adventure sports is well worth it. This medical cover comes with reasonable limitations, expansive lifetime limits, and relatively low deductibles. It’s a solid choice for any thrill-seeking world traveler.
Do note that there are activities that will not be covered. And no one over the age of 49 can get this cover. So, talk to an IMG specialist, on (877)-837-2875, before you buy the Adventure Plan so as to ensure that you have the cover you need.
Safe travels.
Recent AardvarkCompare Travel Insurance Customer Reviews
I Panicked When I Discovered I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation. When I went to renew I was told I couldn't. I discovered Aardvark on my AARP site and I was excited I could purchase an even better travel plan with cover starting with my trip departure, at a cost I could afford. I was confused with the initial site and Mr. Breeze reached out to me for clarification. He explained the policy more thoroughly and addressed all my concerns, can't get any better than that! Thank You Aardvark and thank you Jonathan for your assistance. I can go on my trip now knowing I'll be covered for medical emergencies, and then some. _ _Barbara
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