Patriot International Travel Medical Insurance

Patriot Platinum Travel Medical Insurancesm

Individual & Family Five Days up to Three Years Coverage

Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today. Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM. There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.

Sharing Or Disclosing Personal Information

Except as described in this privacy statement, we will not disclose your personal information to a third party without your prior consent and as permitted under applicable laws.

We may share your information with third parties who provide services on our behalf to help with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us. When we share information with these other companies to provide services for us, they are not allowed to use it for any other purpose and must keep it confidential. These services may include:

• Adjudicating and managing the claims process
• Payment processing to healthcare providers
• Providing customer service
• Sending marketing communications

In addition to any sharing described in the privacy statement for the product or service you are using, IMG may share or disclose personal information with other IMG controlled subsidiaries and affiliates. For your choices on this type of sharing, please contact .

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What Is The Emergency Care Coverage Like On An Img Travel Plan

Aside from comprehensive in-patient and out-patient coverage, the IMG Patriot travel insurance plans will provide a high level of coverage for emergency care while you our outside of your home nation.

Coverage under the International Emergency Care benefit of an IMG Patriot travel policy includes:

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A Simple Breakdown Of Health Insurance Plans In Ontario

In Ontario, one-third of employees don’t get dental and medical benefits through their employer.

And while Ontarians are covered for many medical costs by the government-funded insurance plan, there is still a big, expensive gap.

Read on to learn all about personal health insurance plans in Ontario so you can make an educated choice for your family.

Other Important Privacy Information

Below you will find additional privacy information you may find important. Much of this describes common practices that we want you to know about and some of this is just stating the obvious . Please keep in mind that this information is not a complete description of our practices this is all in addition to the other, more specific information contained in the privacy statements, agreements and releases relating to each IMG product and service you use.

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Accessing Your Personal Information And Search History

When using a web browser, you can access and manage your information, including Search History, through the preferences page. You may clear your search history from appearing on the site by following the steps provided in see your search history. Clearing your history removes it from the Search History and prevents that history from being displayed on the web browser, but does not delete information from our standard search logs, which are retained and are replaced with artificial identifiers.

Upon request IMG will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by logging into your account or by contactingâ¯. We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information, or may need to retain your personal information in order to continue providing a service.

Patriot Travel Medical Insurance

Patriot Travel Medical Insurance is a short-term travel medical insurance for individuals and families traveling outside their home country for business or pleasure.

Patriot Travel Medical Insurance has two plans: is for people traveling outside their home country and including the U.S. and is for people traveling outside the U.S. You can choose a policy maximum from $50,000 to $1,000,000. You can also choose the deductible from $0 to $2,500 in Patriot Travel Medical Insurance.

Patriot Travel Medical Insurance can be renewed up to 2 years. You can purchase Patriot Travel Medical Insurance in daily increments.

You can go to any doctor or hospital you like. Patriot Travel Medical Insurance also has trip interruption, lost luggage and personal liability benefits and offers Universal Rx pharmacy discount savings.

Patriot Travel Medical Insurance is suitable for:

• Relatives visiting United States.
• Persons traveling outside the U.S. who are not covered by their domestic health insurance.
• Schengen visa insurance who are traveling to Europe.
• Greencard holders who primarily live outside the US but temporarily visiting USA.
• College students studying abroad.

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Patriot America Lite Insurance

Patriot America Lite Insurance is a comprehensive travel health insurance for all non-U.S. residents traveling outside their home country and visiting the USA. Patriot America Lite is a cost-efficient travel medical insurance for your visiting relatives.

Patriot America Lite visitor insurance is underwritten by SiriusPoint Specialty Insurance Corporation and it is rated A- “Excellent” by A.M. Best.

Patriot America Lite insurance is available for policy maximums from $50,000 to $1,000,000 and various deductibles ranging from $0 to $2,500.

can be purchased from 5 days to 2 years. You can purchase Patriot America Lite insurance online on this website or by calling us. Either way, you will receive an extension notice in an email, you can extend online at that time or you can call us.

Patriot America Lite participates in the that has physicians and hospitals across the United States. It is a very widely recognized visitors health insurance plan.

The Patriot America Lite travelers insurance brochure provides the details of coverage and exclusions. Patriot America Lite travel insurance provides instant quotes, and you can make instant purchase with a credit card payment. There is no medical exam needed. The application requires the date of birth, passport number, name and travel dates of the traveler.

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Our Business Is Pci Dss Compliant

What does that mean?

The Payment Card Industry Data Security Standard which was developed by the PCI Security Standards Council created by Visa, MasterCard, American Express, Discover, and JCBis an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.

What does it take for a company to become PCI DSS Compliant?

There are many stringent requirements, including but not limited to:

• Use and maintenance of firewalls, secure networks, and systems
• Proper password protections
• Use and maintenance of anti-virus protection methods
• Keeping the software and systems up to date
• Restriction of data access and physical access
• Scanning and testing for vulnerabilities and fixing them promptly
• Documentation of corporate and technical policies related to information security

PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. for more information.

Why should I shop only from PCI DSS Compliant websites?

When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.

Expand Your Coverage Select Your Coverage Options With Add On Benefits

Adventure Sports Rider

Available for those up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life’s more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

• Age 0-49 years: $50,000 certificate period
• Age 50-59 years: $30,000 certificate period
• Age 60-64 years: $15,000 certificate period

*Rider option is available in select countries on individual plans only.

Trip Cancellation, Interruption and Travel Delay Rider**

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.**Rider option is available an individual plans far U.S. residents only.

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What Ohip Covers And What It Doesnt

Before you can decide whether or not you need supplementary health and dental insurance, you should have an idea about the kinds of services OHIP does and doesnt pay for. The basic expenses covered by OHIP include:

• Visits to doctors

For a full list visit What OHIP Covers.

What OHIP doesnt typically cover:

• Prescription drugs/medicines provided outside of hospitals such as antibiotics, painkillers, and some cancer drugs
• Specified elective medical services such as chiropractors or massage therapists
• Semi-private or private hospital rooms
• Some medical exams, tests and vaccinations

Why You Need Travel Medical Insurance

• Travel medical insurance for individuals, families, and groups
• Renewable up to 24 months
• Deductible options from $0 to $2,500
• Maximum limits from $50,000 to $1,000,000
• Coverage for medical expenses, emergencies, evacuation, and repatriation

Additionally, the plans offer excellent benefits and services to meet your global travel needs.

Youll have access to international, multilingual customer service centers, claims administrators who process claims worldwide, in virtually every language and currency, and 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

You can choose from a wide range of deductibles and several maximum limits, and youll also have access to more than 17,000 providers through our International Provider Access Network when seeking treatment outside the U.S.

You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the UnitedHealthcare Options network.

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How Much Supplementary Health Or Dental Insurance Do You Need

There are a wide variety of supplementary health and dental insurance plans, each with their own level of coverage, but the amount of health insurance you need is a highly personal decision. Only you can decide how much is right for you, but an insurance agent or company may be able to help you make those decisions. Visit the finding an insurance agent or company section of Working With an Insurance Agent or Company to find someone who can help you.

Factors to consider when deciding how much coverage you need include:

• How much can you afford to pay each month? Each year?

Supplementary Health and Dental Insurance | 101: Getting Started 4

• Do you have any other supplementary health insurance through your employer, a parents group plan or a spouse/partner?
• Do you require prescription drugs on an ongoing basis?
• Are you willing to share a hospital room, or do you prefer a private room?
• Do you wear glasses or contact lenses?
• Do you receive medical services from professionals such as chiropractors or massage therapists?
• Can you afford to pay out of pocket for ambulance fees?
• Do you have a chronic illness that requires more extensive medical services than OHIP provides?
• Do you have a pre-existing medical condition? Some supplementary health insurance plans do not cover this. Be sure to shop around to find an insurer who might.

Patriot International Lite Travel Insurance Restrictions

While Patriot International Lite is an excellent foreign travel insurance, it has several restrictions:

• It is unavailable if your residence country is Cuba, Iran, North Korea, Syria, or Venezuela.
• Unlike many other international travel insurance plans that have $25 cancellation fee, Patriot International Lite has a $50 cancellation fee.
• Compared to other travel insurance plans that have no pre-certification penalty, Patriot International Lite has a 50% pre-certification penalty.

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Do You Need Supplementary Health Or Dental Insurance

If you are young and healthy, you might not need to buy supplementary health or dental coverage. It depends to an extent on what you are covered for under OHIP, a group plan or a parents group plan. For example, starting in January 2018, OHIP provides prescription drug coverage to youth 24 and under who are not covered by private benefits. Those children and youth are able to get more than 4,400 prescription medicines for free by showing their health card and prescription. Coverage is automatic, with no up-front costs. Read the news release to find out more. Check what you are covered for, take a look at your individual situation, and make a decision on whether what you have now is sufficient.

Patriot America Plus Travel Medical Insurance

• Non US citizens travelling to the USA, International travelers requiring continuing coverage.
• Patriot America Plus offers coverage for pre-existing conditions
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $500,000
• Renewable upto 24 continuous months
• Patriot America Plus has coverage for covid19
• Available for US citizens living outside USA but visiting the US

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Patriot International Lite Vs Patriot Platinum International

Review, compare and buy the Patriot travel medical insurance plans for international travel outside America, the Patriot Platinum International is the the most popular plan with top-notch features, review from a wide choice of benefits, with Patriot Platinum International offering the best benefits. The Patriot International Lite plan offers basic comprehensive benefits available at affordable premium rates. All Patriot International Insurance options are offered by the same top-rated insurance administrator International Medical Group and both underwritten by SiriusPoint Specialty Insurance. Popular Patriot travel insurance plans with comprehensive benefits that provide coverage up to the plan maximum benefit selected at the time of purchase of the plan, review and buy instantly online.

Policies that include coverage for the global COVID-19/SARS-CoV-2 coronavirus disease pandemic are marked: COVID-19

Patriot International Lite

Basic Plan for Travel to USA or Intl. COVID-19

Value plan w/basic features and essential benefits included, suits healthy travelers ages 70-79 years w/ maximum coverage limited to $50K USD.

• For individuals, families, groups
• Buy for minimum. of 5 days
• ID cards/visa letter/proof sent
• Renew active policy, or cancel
• Renew policy up to 24 months
• Medical evacuation/repatriation
• Maximum choices $50K to $1M
• Deductible from $0 to $2,500
• Administered by IMG Insurance

Patriot Group Travel Medical Insurance

Five or More Individuals Five Days up to Two Years

Patriot Group Travel Medical Insurance is designed for organizations who have a group of five or more members that will be traveling together, and are traveling to a destination that is not the home country of any of the traveling members. Patriot Group Travel Medical Insurance provides the same benefits as the individual Patriot Travel Medical Insurance, but with a 10% discount for applying as a group.

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Protecting The Security Of Personal Information

IMG is committed to protecting the security of your personal information. We use a variety of generally accepted standards of security technologies and procedures to help protect the personal information submitted to us, from unauthorized access, use or disclosure both during transmission and once it is received. For example, we store the personal information you provide on computer systems that have limited-role based access and are in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer protocol.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share it. If you are sharing a computer, you should always log out before leaving a site or service to protect access to your information from subsequent users. If you have questions about the security of your personal information, you can contactâ¯.

We may retain your information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.

How To Purchase Patriot International Lite Travel Insurance

While Patriot International Lite Travel Insurance is available from many websites and agents and the prices are exactly the same for exactly the same insurance for the same age, policy maximum, deductible, and duration, it is advisable to purchase from a broker such as Insubuy that provides professional advice to you so that you purchase the right product. Most importantly, Insubuy is available seven days a week and is willing and able to provide post sale customer service, including claims resolution assistance in case you face any difficulties with legitimate claims. With Insubuy, you get such additional assurance at no additional cost to you and is very valuable.

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