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Travel Insurance

 

We know that the reasons to travel abroad are many and varied – that’s why International Medical Group (IMG) products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.

IMG offers the protection you need when you are traveling out of your home country, as a U.S. Citizen traveling abroad or as a Non-U.S. Citizens traveling to the U.S.A or outside of their home country. IMG offers competitive products to protect you and your family on visits outside of their home country. They offer short term insurance that can cover you for a short as 5 days up to Two/Three years depending on the plan.

If you have any questions on which plan is the best one for your situation, please give us a call or email and we can help you decide which plan will best meet your needs and budget. RF Insurance Masters is here to help and wants you to work with you on the best plan for you and your family.

International Insurance Plans
International travel can be an exciting adventure, but it can also bring many unpredictable situations if you should need medical care while you’re abroad. We provide U.S. citizens and non-U.S. citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world, our site has a product to meet your needs. By utilizing our SelectaPlan®, we can quickly direct you to the plan(s) that will best meet your needs, those of your family, or organization. Below are product descriptions of the international plans we offer. You have the option of purchasing online or downloading an application and submitting the completed application via fax or mail.

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.

Patriot Green Travel Medical InsuranceSM

Individual & family five days up to two years coverage
Patriot Green Travel Medical InsuranceSM is designed for the environmentally conscious traveler and provides up to $2,000,000 of medical coverage and services. This plan provides the same comprehensive benefits as the Patriot Travel plan, but also includes eco-friendly benefits including providing for the purchase of carbon offsets, pays an additional $5,000 AD&D benefit to an environmentally conscious organization, and it is paperless. Patriot Green InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Green 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 two years.

Patriot Travel Medical Insurance®

Individual & family five days up to two years coverage
There are two Patriot Travel Medical Insurance products available to meet your needs, providing up to US$2,000,000 of medical coverage. Coverage can be obtained from a minimum of five days up to a maximum of two years. Patriot products address the travel medical insurance needs of U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.

Patriot AdventureSM Travel Medical Insurance

Adventure athletics and adventure insurance
Patriot Adventure is designed for the adventurous international traveler. Patriot Adventure provides benefits for those traveling abroad who also intend to participate in a select group of athletic activities or adventure sports.

Patriot Executive® Travel Medical Insurance

Business traveler annual coverage
If you are an executive that travels frequently outside your country of citizenship throughout the year, don’t risk finding yourself ill or injured in a foreign country. Make sure you have a plan that provides appropriate medical coverage. Patriot Executive provides up to US$1,000,000 of medical coverage for these individuals and their families.

Patriot T.R.I.P.®

Travel Protection for trips up to 30 days
Patriot T.R.I.P. helps protect travelers who are unable to travel or are interrupted during their covered trip due to circumstances such as a sudden and unexpected illness or injury, death in the family, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline. Benefits also include coverage in the event of travel and baggage delay, lost baggage, emergency medical expenses, emergency medical evacuation and more.

Patriot T.R.I.P.® Elite

First Class Travel Protection
To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance program. Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need more coverage than provided by the Patriot T.R.I.P. program. The program has increased benefit amounts for emergency medical, emergency medical evacuation, travel delay, baggage, trip interruption and has a benefit for violent attacks.

Patriot T.R.I.P.® Student

Student Travel Insurance Program
Patriot T.R.I.P. Student is a “budget conscious” travel insurance program designed to provide important benefits to students for many of those unforeseen circumstances that may force the cancellation or interruption of a covered trip. This program also includes coverage for trip cancellation or interruption travel and baggage delay, lost or stolen baggage, emergency medical expenses and emergency medical evacuation.

Global Medical Insurance®

Individual & family one year or longer
Global Medical Insurance (GMI) is a revolutionary program that offers long-term flexible worldwide coverage to meet your individual or family needs, backed by the world-class services you expect.GMI allows you to custom build a plan that is specifically tailored for you. It offers the flexibility to select from an assortment of four unique benefit plan options – each with specialized coverages. To accommodate your financial means, you can customize your length and area of coverage as well as select from multiple deductibles and modes of payment. Its flexible underwriting options also provide IMG the ability consider coverage that may have been declined by other carriers.To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment’s notice. You have the freedom to choose any provider for your services, or you can quickly and easily access providers in the extensive PPO network and the International Provider AccessSM (IPA). You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses.

GEOSM Group

Employer sponsored group insurance
GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad and may return to the U.S. or Canada temporarily (for less than 12 months), or are overseas local and third country national employees. GEO Group allows employers to carve out their International employees to provide them with U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for these employees and their families.

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.

Sky RescueSM

Emergency Medical Evacuation
Sky Rescue provides emergency medical evacuation and scheduled coverage for individuals under the age of 65 traveling outside their home country for a minimum of three months.  The plan may be purchased for three months, six months or 12 months and can be rewritten for succeeding or subsequent periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply and a new application must also be completed.

Patriot Group Exchange ProgramSM

Group Cultural Exchange Medical Insurance
Patriot Group Exchange is designed for a group of students studying abroad or participants of a group cultural exchange program.  Three plan options are available.  The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements.  The Long-Term Annual Plan has the flexibility to be tailored to meet specific needs of each program and can be renewed annually.  Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed (without break in coverage) for a total of two years.

Patriot Exchange ProgramSM

Cultural Exchange Student Insurance Plans
Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements. Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed (without break in coverage) for a total of two years

Student Health AdvantageSM

Long-term, worldwide medical insurance for individuals or groups of two or more international students
Student Health Advantage is designed to meet the needs of international students involved in long-term educational programs. This plan includes benefits for maternity, mental health and organized sports. After a period of 12 months, pre-existing conditions will be covered as well.

International Marine Medical InsuranceSM

Worldwide Group Coverage for Professional Marine Crew
International medical insurance for marine crew requires provisions not met by many companies. International Marine Medical Insurance (IMMI) was designed specifically to provide comprehensive medical insurance to marine crew by offering continuous coverage worldwide. IMMI provides US$1,000,000 of coverage per certificate period with a full range of benefits. Group members will be covered worldwide, including their country of citizenship, 24 hours a day.

Global Crew MedicalSM

Worldwide Coverage for Professional Marine Captains & Crew Members
Global Crew Medical (GCM) is a comprehensive and portable international medical insurance plan designed specifically for professional marine crew. GCM can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your global health care benefits. The plan provides US$5,000,000 of lifetime coverage with a full range of benefits and offers two options: worldwide coverage and worldwide coverage excluding the U.S. and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.
The information above is only a consolidated description of the current international insurance products and trip cancellation plans available through this website. Please refer to the Certificate Wording for the specific terms and conditions of each plan concerning eligible benefits, limitations, eligibility and exclusions. Certificate Wording is available upon request. Patriot Travel Medical Insurance, Patriot Group Travel Medical Insurance, Patriot Adventure, Patriot Executive, Sky Rescue, Global Medical Insurance, GEO Group, Patriot Exchange Program, Patriot Group Exchange Program and Student Health Advantage are administered by International Medical Group, Inc. and underwritten by Sirius International Insurance Corporation. Patriot T.R.I.P. and Patriot T.R.I.P. Student and Patriot T.R.I.P. Elite are private-label names for trip cancellation insurance and other travel related benefits and services made available by membership in the National Small Business Travel & Health Association. The program manager is iTravelInsured®, a wholly owned subsidiary of IMG. Patriot T.R.I.P. and Patriot T.R.I.P Student plans are administered by iTravelInsured and underwritten and offered where available by Delos Insurance. Patriot T.R.I.P. Elite is administered by iTravelinsured and underwritten and offered where available by Delos Insurance Company or Sirius International Insurance Corporation. IMG, International Medical Group, the IMG block design logo, Patriot T.R.I.P, Patriot Travel Medical Insurance, Patriot Adventure, Global Medical Insurance, Patriot Executive, GEO Group, Patriot Exchange Program, Patriot Group Exchange Program, Sky Rescue, Patriot Group Travel Medical Insurance and Student Health Advantage are the trademarks, service marks and/or registered marks of International Medical Group, Inc. © Copyright 2008 International Medical Group, Inc. All Rights Reserved.
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