IMG Patriot Adventure Travel Medical Insurance – Review

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.

What 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

 

Good Choices, Well Explained
I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip cover versus other choices.
I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care.
Your site allowed comparisons, and I think I got the best value for my money. I don’t like constant follow up emails, though. You could back off a bit!!
Louise

 

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