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Key Features & Benefits

  IMG Patriot Travel Medical IMG Patriot Platinum Travel Medical HCC Atlas Travel
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Covered Areas1. Worldwide including the US; 2. Worldwide excluding the US1. Worldwide including the US; 2. Worldwide excluding the US1. 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$1,000,000, $5,000,000, $8,000,000$50,000, $100,000, $200,000, $500,000, $1,000,000
Deductible OptionsNo deductible, $100, $250, $500, $1,000, $2,500No deductible, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000No deductible, $100, $250, $500, $1,000, $2,500
Sports CoverageBasic sports covered; optional rider available for adventure sportsBasic sports covered; optional rider available for adventure sportsIncluded at no additional charge
Home Country CoverageCovered up to 2 weeks per policyCovered up to 2 weeks per policyUS 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$1,000,000Up to selected medical maximum limit$1,000,000
Pre-Existing Medical Condition Coverage - MedicalCoverage 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 $2,500Coverage 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 $2,500Under age 70: up to overall maximum limit selected
Pre-Existing Medical Condition Coverage - EvacuationSudden and unexpected recurrence of a pre-existing condition is covered up to $25,000Sudden and unexpected recurrence of a pre-existing condition is covered up to $25,000Under age 70: acute onset covered up to $25,000
Trip CancellationN/AN/AN/A
Trip Interruption Limit$5,000$10,000$5,000
Baggage Limit$250 ($50 per item)$500$500
Accidental Death and Dismemberment Limit$25,000$50,000Under age 18: $5,000. Ages 18-69: $50,000. Ages 70-74: $12,500. Age 75 and older: $6,250
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