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International Travellers Medical

IMG Patriot Group
IMG Patriot Adventure
HCC Atlas Travel
Covered Areas 1. Worldwide including the US; 2. Worldwide excluding the US 1. Worldwide including the US; 2. Worldwide excluding the US 1. Worldwide including the US; 2. Worldwide excluding the US
Emergency Medical Overall Maximum Limit $50,000, $100,000, $500,000, $1,000,000, $2,000,000 $50,000 $50,000, $100,000, $200,000, $500,000, $1,000,000
Deductible Options No deductible, $100, $250, $500, $1,000, $2,500 $250 No deductible, $100, $250, $500, $1,000, $2,500
Sports Coverage Basic sports covered; optional rider available for adventure sports Included at no additional charge Included at no additional charge
Home Country Coverage Covered up to 2 weeks per policy N/A US citizens: covered up to 15 days per 3 months of coverage. Non-US citizens: covered up to 30 days per 3 months of coverage
Emergency Medical Evacuation Limit $500,000 $50,000 $1,000,000
Pre-Existing Medical Condition Coverage - Medical Coverage for sudden and unexpected recurrence of a pre-existing condition: Non-US citizens, ages 64 and younger: up to $50,000. Non-US citizens, ages 65 and older: up to $2,500. US citizens, ages 64 and younger: up to medical maximum limit when insured through a primary health plan; $20,000 limit when not insured through a primary health plan. US citizens, ages 65 and older: up to $2,500 Non-US citizens: N/A. US citizens: sudden and unexpected recurrence of a pre-existing condition is covered up to $1,000 Under age 70: up to overall maximum limit selected
Pre-Existing Medical Condition Coverage - Evacuation Sudden and unexpected recurrence of a pre-existing condition is covered up to $25,000. Non-US citizens: N/A. US citizens: sudden and unexpected recurrence of a pre-existing condition is covered up to $25,000 Under age 70: acute onset covered up to $25,000
Trip Cancellation Optional rider available; up to $25,000 coverage per insured person Optional rider available; up to $20,000 coverage per insured person N/A
Trip Interruption Limit $5,000 $5,000 $5,000
Baggage Limit $250 ($50 per item) $250 ($50 per item) $500
Accidental Death and Dismemberment Limit $25,000 $50,000 (common carrier accident only) Under age 18: $5,000. Ages 18-69: $50,000. Ages 70-74: $12,500. Age 75 and older: $6,250