Travel Medical Insurance
No one plans on needing it but accidents can happen. Protect you and your loved ones with an affordable medical insurance policy.
Smartgringo is partnered with IMG to bring you the best insurance available.
You cannot rely on your insurance plan from home to cover you abroad. We offer temporary health insurance plans for travelers and expats through IMG Global. We have several options depending on your individual needs to please see the various plans below.
| Patriot Travel Medical Insurance® |
Global Medical Insurance® | Patriot Platinum Travel Medical Insurance | Travel Medical Insurance Patriot America® Plus |
|---|---|---|---|
| The best plan for short-term (5 days to 2 years) medical insurance. Available for individuals, families, and groups. | The best plan for long term, annually renewable medical insurance for individuals and families. | Coverage up to 36 months in addition to sudden and unexpected recurrence of pre-existing conditions. | The best plan for short-term (5 days to 2 years) medical insurance for non-U.S. individuals, families, and groups traveling to the USA. |
| Covers medical expenses, evacuation, and repatriation | Long term (one year or more) comprehensive, worldwide medical insurance available to individuals and families | Renewable up to 3 years for individuals, families, and groups | Coverage for non-U.S. citizens traveling to the USA |
| Deductible from $0 to $2,500 | Deductible from $100 to $25,000 | Deductible from $0 to $25,000 | Deductible from $0 to $2,500 |
| Max limits between $50,000 to $2,000,000 | Max limits between $1,000,000 to $8,000,000 | Max limits between $1,000,000 to $8,000,000 | Max limits between $50,000 to $500,000 |
| Coverage for acute onset of pre-existing conditions | |||
 |
|
|
|
See a story on the importance of travel medical insurance and how IMG protects you when you travel.
Temporary Medical Insurance FAQs
Do I need travel medical insurance?
Traveling abroad without some kind of health coverage can be risky. Your health insurance from home does not cover you so if something happens to you or your loved ones, you will likely be paying high out-of-pocket medical expenses. Having a temporary medical plan in place when you travel allows you peace of mind that you will get the assistance you need in the event something unfortunate happens.
Travel medical insurance is ideal for people who vacation or visiting relatives in Mexico, people on cruises with ports in Mexico, business travelers and students studying abroad.
Is the insurance policy expensive?
For most plans, you can get a policy for less than $3 per day. There are several plans to choose from and you can customize to your individual or family needs. Factors that determine the cost of the plans are the age of the traveler, destination, duration of the trip, and the deductible and limits chosen.
Where can I seek medical help if I need it?
All plans give you the freedom to choose your own health care provider. You can also search IMG providers on their Find a Doctor page when you log into the member area.
Does the hospital send IMG a bill for services rendered?
No, most medical services abroad do not bill insurance companies like you typically see in the US. You will pay out-of-pocket for services and submit your bill to IMG. They will process the claim and reimburse you for your medical expenses.
Can I purchase insurance for someone else traveling?
Yes. The person being insured does not have to be the one filling out the application. As long as you have the required information, you can purchase a policy on someone else’s behalf.
Don’t some credit cards cover medical expenses if I am abroad?
Some do in some instances, but they are nowhere near as comprehensive as the travel insurance policies we offer.
How do I submit a claim?
You need to fill out a claim form from IMG’s member area and then you can mail or fax it to them.
International Medical Group, Inc.
Attn: Claims Department
P.O. Box 88500
Indianapolis, IN 46208-0500
In order for a faxed claim to be accepted, all receipts must be legible and unaltered in any way. You can fax your claim to (317) 655-4505, Attention Claims Department.