Who is the Plan underwriter?

Patriot America Plus is Underwritten by Sirius Specialty Insurance Corporation and is rated “A-” by A M Best. The plan is administered by International Medical Group (IMG).

What information is needed to buy the plan?

The application will need the following information of the visitor: name, date of birth, residence address and email address to send the insurance documents. If you have a passport number, you can enter it. A valid credit card will be required to complete the purchase. Immediately after submitting the application, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

Emergency Travel Assistance?

Available 24 hours a day, 365 days a year, Call +1 (317) 655-4500 (ext 0)

What is the cancellation and refund policy?

Before the effective date of the policy: Full cancellation and refund will only be considered if the written request is received prior to the effective date of the coverage. After the effective date of the policy: If the written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $50 will be charged; and (ii) only full month premiums will be considered as refundable

Is there a network of doctors? Where can I search for the provider list?

Though the plan does not restrict you from going to any doctor in the area, to get negotiated rates and 100% coinsurance, you must see a provider in the network. You can search for providers (doctors, hospitals, Urgent care, etc.) in the network at United HealthCare PPO Network

Are adventure sports covered in the Patriot America Plus ?

The Adventure Sports Rider is available for an additional premium for those up to the age of 65. Activities like abseiling, BMX, bungee jumping, parachuting, wildlife safaris, and windsurfing are covered to the lifetime maximum amounts listed below, as long as they are engaged solely for leisure, recreation, or entertainment purposes. To see a complete list of activities covered, please refer to the Certificate Age 0-49 years: $50,000 certificate period Age 50-59 years: $30,000 certificate period Age 60-64 years: $15,000 certificate period

What is the acute onset of pre-existing condition?

A sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

Can the plan be renewed?

This policy is renewable as long as your initial plan was at least 5 days. The plan can be bought from 5 days up to 1 year. The plan can be extended before the end date of the policy and can be renewed up to 2 years.

Are pre-existing conditions covered by Patriot America Plus?

Pre-existing conditions are excluded by the Patriot America Plus plan, however, the plan can cover for an acute onset of pre-existing conditions. For people insured under the age of 70, pre-existing conditions can be covered up to the policy maximum when treatment is obtained within 24 hours for an acute onset of a non-chronic pre-existing condition. $25,000 maximum limit for medical evacuation.

Who is eligible for Patriot America Plus?

Patriot America Plus provides coverage to Non-U.S. residents who need temporary medical insurance while traveling for business, studying or pleasure to the US. In order to be eligible and qualified for coverage under Patriot America Plus, a person must meet all of the following requirements: Complete and sign an Application as the Insured Person (or be listed thereon by proxy as an applicant and proposed Insured Person), and/or as the Insured Person’s Spouse and/or Child Pay the required Premium on or before the Effective Date of Coverage Receive written acceptance of his/her Application, renewal or extension from the Company Be an individual at least fourteen (14) days old On the Effective Date and on subsequent renewal dates, must have legally departed the Country of Residence and legally entered the Destination Country Not be Pregnant, Hospitalized or Disabled on the Initial Effective Date Not be HIV + on the Initial Effective Date Not have established a permanent residency in the Destination Country

What is the procedure for filing a claim?

It is a good practice to keep a copy of the entire claims documents with you before you submit a claim for processing Download and complete the Claims Form Attach copies of all the pages of the passport Attach any itemized bills or receipts if money was paid out of pocket for services Submit the above within the stipulated time of 90 days after seeing the provider Follow up on your claim by calling 800.628.4664 or emailing insurance@imglobal.com Claims mailing address : International Medical Group Department P.O. Box 88500 Indianapolis, Indiana 46208 United States Phone: 1.800.628.4664 Or email insurance@imglobal.com

iTravelInsured Travel LX

Name: Patriot America Plus Insurance
Brand: Patriot America Plus

Designed for individuals visiting luxury destinations, it provides protection against unexpected interruptions to your trip, including cancellations and medical emergencies.

Get Quote

iTravelInsured Travel LX

The iTravelInsured Travel LX plan offers comprehensive travel insurance for those seeking robust coverage while traveling internationally. Designed for individuals visiting luxury destinations, it provides protection against unexpected interruptions to your trip, including cancellations and medical emergencies.

The plan also features benefits, such as “Cancel for Any Reason” (CFAR) and “Interrupt for Any Reason” (IFAR) coverage, giving travelers greater flexibility and peace of mind. This plan covers a wide range of situations, from medical evacuations and trip delays to baggage loss and travel document theft. Whether you are traveling for business, leisure, or family visits, iTravelInsured Travel LX ensures you are covered during your journey.

You can review the complete benefits in the Brochure.

iTravelInsured Travel LX Benefits

Plan Benefits: The plan covers 100% of the non-refundable insured trip cost for Trip ,Cancellation,150% of the non-refundable insured trip cost for Trip Interruption, 75% of non-refundable trip cost for CFAR and 75% of non-refundable trip cost for IFAR. It also covers Trip Delay, Rental Car Damage, Missed Trip Connection, Accidental Death and Dismemberment, Medical Evacuation and Repatriation of Remains, Search and Rescue, and more.

Pre-existing: Pre-Existing Medical Condition Exclusion Waiver available but comes with terms and conditions. Pre-Existing Condition Review Period is 60 days prior to effective plan date. Pre-existing condition waiver is available if purchased within 24 hours of the final trip payment.

PPO Hospital Network: You can go to any provider in the area if you have an iTravelInsured Travel LX plan.

Special Feature 1:Cancel/Interruption for Any Reason benefits available as optional upgrade (Additional cost and terms apply. Not available in NY).75% of the trip cost insured if purchased within 20 days of initial trip deposit.

Special Feature 2: Medical Evacuation and Repatriation of Remains up to $1,000,000 per person. Also includes Hospital of Choice, Return Transportation, Transportation of Children/Child, Bedside Visit Transportation to Join You. Coverage may vary depending on your destination.

Special Feature 3: Political or Security Evacuation and Natural Disaster Evacuation is up to $50,000 per event per person.

What Coverage & Benefits Are Offered by iTravelInsured Travel LX?

The iTravelInsured Travel LX plan is a robust plan that offers the highest level of trip cancellation and interruption benefits of all iTravelInsured® plans for the travelers. The plan is underwritten by United States Fire Insurance Company.

Plan Highlights:

Trip Cancellation up to 100% of the non-refundable insured trip costs.
Trip Interruption up to 150% of the non-refundable insured trip costs.
Trip Delay up to $250 per day per person. ($2,500 max per person).
Rental car damage and theft coverage up to $40,000 per covered vehicle.
Missed Trip Connection up to $500 per person.
Search and Rescue Coverage up to $10,000 per person.
Baggage & Personal Effects up to $2,500 ($250 max per item).
Optional upgrades to Cancel for Any Reason and Interrupt for Any Reason.
Plans can be purchased at the latest up to one day before departure.

iTravelInsured LX

_$33 / mo for a 24 year old with a $500 trip cost

Available for ages up to 99years
Maximum trip length 180 days
Medical coverage of $500,000 (may vary by state)
Trip Cancellation maximum benefit up to 100% of insured trip cost (min $500)
Trip interruption maximum benefit up to 150% of insured trip cost
$2500 maximum benefit for travel delay
$1 million maximum benefit for emergency medical evacuation and repatriation of remains
Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available
Brochure

Quotes & Purchase

iTravelInsured Travel LX Cost

iTravelInsured Travel LX costs depend on the traveler’s age, trip’s length, and the trip cost. If you choose any optional benefit, you pay a higher premium.

Plan Limit: It covers 100% of the non-refundable insured trip costs for Trip Cancellation and 150% of the non-refundable insured trip costs for Trip Interruption.

Age: The premium goes up with age. The maximum age for insured is 99 years.

Coverage Days: The plan offers coverage up to 180 days.

Optional Coverage Benefit Riders: Cancel for Any Reason and Trip Interruption for Any Reason upgrades available.

Refunds: You may submit a cancellation request and receive a full refund within 10 days from the date of purchase, if you have not departed on your trip, incurred a loss, or filed a claim. The plan is non-refundable after 10 days.

iTravelInsured Travel LX Cost

Age	Policy Max Limit $50,000	Policy Max Limit $100,000
From 50 to 59 years	$105	$176
From 60 to 64 years	$125	$223
From 65 to 69 years	$145	$183
From 70 to 79 years	$212	268

Premium based on a $250 deductible for 31 days

How to Claim iTravelInsured Travel LX Insurance?

To file a claim, follow these steps to register:

Go to www.imglobal.com/member and click “Create an Account”
On the next screen, enter Certificate, Policy Number, or Insured/Member ID, and click “Continue”. Let the system verify the information.
Once you have created a MyIMG account, log in to the MyIMG portal, click “Claims”
On the next screen, select the policy or certificate. Click “Submit New Claim” and follow the prompts to complete your submission.

Click here for better understanding.

Claims filing address and email:

Claim form: https://www.imglobal.com/docs/library/forms-library/itravelinsured—trip-cancellation-interruption-claim-form.pdf

Address: International Medical Group, Travel Claims, PO Box 241853, Apple Valley, MN 55124

Call: 1.866.243.7524 or 1.317.655.9798; Fax: +1.317.927.6882

Email: iTravelClaims@imglobal.com

FAQs

iTravelInsured Travel LX is a trip cancellation and trip interruption plan designed for travelers to travel worldwide. However, some benefits are not available in all states, hence, reviewing the brochure is recommended.

The plan is designed for US residents and citizens who are less than 99 years of age. A person who is booked to travel on a Trip and pays the required premium can be covered under the policy.

iTravelInsured Travel LX covers Trip Cancellation, Trip Interruption, Trip Delay, Baggage Loss and Theft, Rental Car Damage, Missed Trip Connection, Accidental Death and Dismemberment, Repatriation of Remains, Accident and Sickness Medical and Dental Expense, and more.

iTravelInsured Travel LX is a trip cancellation plan and provides coverage for trip cancellation, interruption and eligible medical expenses as stated in the brochure. There are exclusions on the plan and some of them include treatment for pre-existing conditions, preventive care, traveling for the purpose or intent of securing medical treatment or advice. mental health care, travelling against the advice of a Physician, physical therapy, or occupational therapy and more. Refer to the certificate to have a clear understanding of the exclusions.