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What You Need to Know About Travel Insurance
We provide US citizens and non-US 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 SelectaPlanSM, 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 T.R.I.P.SM
Trip Cancellation Insurance
To help protect you from losing the money you've spent to travel, there is Patriot T.R.I.P., Patriot T.R.I.P. provides protection to travelers who are unable to travel or are interrupted during their trips due to circumstances such as illness or injury, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline.
Patriot T.R.I.P. EliteSM
Premier Trip Cancellation Insurance
To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a travel cancellation insurance program. Patriot T.R.I.P. Elite provides coverage for many of those unforeseen circumstances that may force the cancellation or interruption of your covered trip. In addition, this program can provide benefits for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home.
Patriot StudentSM T.R.I.P.
Student Trip Cancellation Insurance
Patriot Student T.R.I.P. is a cost effective travel insurance program designed to provide coverage to students for many of those unforeseen circumstances that may force the cancellation of travel plans or interrupt a covered trip. This program provides coverage for trip cancellation, trip interruption, lost and stolen baggage, emergency medical evacuation and much more.
Patriot Travel Medical Insurance®
Individual & family (10 days up to 2 years coverage)
There are three 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 10 days up to a maximum of 2 years. Patriot products address the travel medical insurance needs of US citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their country of citizenship. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.
Patriot ExtremeSM Travel Medical Insurance
Patriot Extreme is designed for the adventurous international traveler. Patriot Extreme provides benefits for those traveling abroad who also intend to participate in a select group of athletic activities.
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.
Global Basic InsuranceSM
Individual & family (1 year or longer)
Global Basic Insurance is designed to provide coverage similar to Global Medical Insurance, however, it features specific dollar limits on most benefits. This is the perfect plan for those who want coverage for a variety of medical services, but are seeking to reduce their premium costs.
Global Medical Insurance®
Individual & family (1 year or longer)
Global Medical Insurance is a long-term, annually renewable, US-style major medical insurance plan with a $5,000,000 lifetime policy limit. Global Medical Insurance is designed to provide worldwide coverage to non-US citizens and to US expatriates who want a quality medical insurance plan that will respond to their medical needs anywhere in the world.
GEOSM Group
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 US or Canadian citizens who reside abroad and may return to the US 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 US-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®
5 or more individuals (15 days up to 1 year)
Patriot Group Travel Medical Insurance is designed for organizations who have a group of 5 or more members that will be traveling together, and are traveling to a destination that is not the country of citizenship 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.
The information above is only a consolidated description of current international insurance products available through this web site. Please refer to the policy wording for the specific terms and conditions of each plan concerning eligible benefits, limitations, eligibility and exclusions. Policy wording is available upon request. IMG, International Medical Group, the IMG block design logo, Patriot T.R.I.P, Patriot T.R.I.P Elite, Patriot Student T.R.I.P., Patriot Travel Medical Insurance, Patriot Extreme, Global Medical Insurance, Global Basic Insurance, Patriot Executive, GEO Group , and Patriot Group Travel Medical Insurance are the trademarks, service marks and/or registered marks of International Medical Group, Inc. © Copyright 2003 International Medical Group, Inc. All Rights Reserved
Frequently Asked Questions
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How much does earthquake insurance cost?
The cost of earthquake insurance can vary depending on several factors, including the location of the insured property, the risk of earthquakes in that area, the value of the property, the coverage limits, and deductibles chosen.
In high-risk earthquake areas, such as regions along major fault lines, the cost of earthquake insurance tends to be higher. Similarly, if the property is located in an area with a history of frequent or severe earthquakes, the premiums will likely be higher compared to areas with a lower risk.
The cost of earthquake insurance is also influenced by the coverage limits and deductibles. Higher coverage limits and lower deductibles generally result in higher premiums. Additionally, factors such as the type of construction of the property, its age, and proximity to fire stations or other emergency services may also affect the cost.
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How often should jewelry be appraised for insurance?
There's a lot of contradicting information regarding jewelry appraisals for insurance reasons. Our advice is this: have your valuable jewelry appraised, even if your insurer doesn't require it. Doing so gives you a better idea of what your coverage should be. For less expensive pieces, an invoice or receipt is sufficient. After the initial appraisal, some insurers suggest a reappraisal every two years. Reappraisals ensure your insurance coverage accurately reflects the value of your jewelry.
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How much does jewelry insurance cost?
Premiums for jewelry insurance vary based on a few different factors, including:
- Where you live
- Theft rates in your area
- Value of the insured piece of jewelry
- Whether or not you have a deductible
If you are looking for an estimate, typically your premium will be 1-3% of the value of your jewelry.
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Do I need long-term care insurance?
In 2019, a study done by the U.S. Department of Health & Human Services found that nearly 70% of Americans, ages 65 and up, will need one form of long-term care or another during their lives. Keep in mind that long-term care isn't limited to chronic illnesses. You may need care after taking a bad fall or after a stroke. You can't predict the future, but you can protect yourself against unexpected costs arising from injury and illness.
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How do I insure my jewelry?
There are three ways for you to protect your jewelry and other valuables.
- A personal articles floater (PAF) or a valuable items plus endorsement for your homeowner's policy. This add-on is good for items that are extremely valuable, rare, or irreplaceable, and it allows you to be reimbursed for the value of the item, based on a bill of sale or appraisal that's been approved by your insurer.
- Valuable Items Plus Endorsement. This homeowner's extension is less comprehensive than a PAF due to the limits set in place by the insurer. However, your valuables remain protected against additional perils.
- The last way to insure your jewelry is by purchasing a custom policy designed for it by an insurance group, like Barlocker Insurance Services
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How much coverage do I need in the event I am named in a lawsuit for bodily injury or property damage caused to others?
Liability limits generally start at $100,000. It is a good idea to discuss your needs with your insurance advisor to determine what level of coverage is right for your situation. It may be beneficial to purchase an umbrella policy which increases your limits of liability by $1 million or more.
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Is long-term care insurance worth it?
Long-term care (LTC) insurance is one of the more expensive personal health policies that exist in the current market.
However, there are a lot of benefits that accompany an LTC policy. Some of these benefits include:
- More flexibility and options than are offered in many public assistance programs.
- Can be tax deductible if the policy is tax-qualified and you itemize tax deductions. You can find more information about the tax deductibility of long-term care insurance premiums here.
- Protecting your retirement savings from being drained by the costly expenses associated with long-term care.
- It can help fill the gap in Medicare, which doesn't cover in-home care for seniors.
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Are there alternatives to long-term care insurance?
There are other options you can pursue to cover the cost of any long-term care you may need. Some examples include:
- Boost your retirement savings
- Invest in a deferred lifetime annuity
- Add a long-term care rider to your current life insurance policy
- Downsize your home if there's a lot of space you aren't using
- Rent out your home to create some extra income
- Consider co-housing with others who need long-term care and share the cost of an in-home aid
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What insurance products are available for private clients?
- High-value auto
- High-Value Homeowners
- Collections
- Valuable items
- Identity Theft Essential support, including resolution services
- Watercraft and Yachts
- Wedding and Private Event Insurance
- Excess Liability and Personal Umbrella
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What does Medigap cover?
Medigap policies can be used to pay co-payments, coinsurance, and deductibles, and in some cases, Medigap policies may cover services that aren't covered at all by Original Medicare, such as medical care if you travel outside of the United States.
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How much long-term care coverage do I need?
Before answering this question, let's consider a few things. Will you have a family member to help care for you when you're older?
If so, you may not need as much coverage as someone who doesn't have a family member to care for them.
Are you male or female? Women tend to live longer, which is reflected in the pricing for their long-term care premiums.
They often need more long-term care because of their longer average lifespan.
Is there a history of chronic illness or ailments in your family?
For example, people with a family history of early-onset Alzheimer's will likely need more coverage.
Are you currently healthy? If you are in shape and live a healthy lifestyle, you may opt for a shorter-term plan of only two years.
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When should I buy long-term care insurance?
The earlier you secure an LTC policy, the better. If you buy one when you are younger between 45 and 55 you can secure a much more affordable premium. Between the ages of 45 and 55, you are healthier, and the likelihood of you needing the coverage of LTC insurance is much lower.
Additionally, it becomes more challenging to qualify for LTC coverage as you get older because your risk increases.
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What makes private client insurance different?
Higher limits, protection for unique situations, and a hassle-free claims experience.
With a private client offering, you can expect:
- A mature, dedicated service team with an extensive background in serving varied needs and expectations.
- Identification of potential areas of loss and a tailored solution to maximize coverage while minimizing cost.
- Complete confidentiality every step of the way.
- Access to the nation's leading insurance providers, including products designed for private clients.
- An insurance advisor at your side to navigate claims.
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How much coverage should I carry?
The answer usually depends on your net worth.
Calculating the value of your home, stocks, mutual funds, and retirement accounts is the first step to determining the amount of coverage you should purchase under an umbrella insurance policy.
Any claim amount exceeding your standard liability policy is your responsibility to cover.
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What does renter's insurance cover?
Home renters insurance is tailored to protect against three major types of exposures.
- Personal Property If your personal property is damaged or lost because of a covered peril like fire or theft you are protected by personal property coverage. However, not all your personal property may be covered. Some expensive belongings such as jewelry or a valuable coin collection are not protected in a standard renters insurance policy and require additional coverage.
- Personal Liability With this type of coverage, you are financially protected if a guest is injured while visiting or if you accidentally damage someone else's property.
- Additional Living Expenses If you are displaced because your residence is damaged or becomes uninhabitable, additional living expenses coverage can create a financial buffer for you by paying for costs like hotel bills.
In addition, there are two types of renter's insurance. Neither is better than the other, and your choice depends on your risks and needs.
- Actual Cash Value Coverage This type of policy reimburses you for the true value of your items when they are lost, which means depreciation pays a part in the final amount.
- Replacement Cost Coverage This policy is more comprehensive and will cover the actual cost of replacing a lost or damaged item.
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What is not covered by renters insurance?
Renters insurance is an incredibly helpful essential, but there are some exclusions and limits to keep in mind.
- Your renters insurance does not cover personal property loss over your coverage limit. This means that once you reach the limit, you can't be compensated for any more money past the limit amount.
- Your personal liability coverage will also have a limit. Just like mentioned above, if your claim exceeds the limit, you won't be reimbursed past it.
- Your renters insurance does not cover any damage you may cause to the structure of your rental home.
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Is renters insurance required?
As a tenant, the only time you are required to purchase renters insurance is when your landlord requires it, which they are legally allowed to do. Your landlord's insurance has specific exclusions and limits, just like yours. For example, their policy doesn't cover your personal belongings at all. It also won't cover any damage you do to the property. Your landlord wants to stay protected as much as you do!
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How Does Umbrella Insurance Work?
Umbrella insurance goes into effect when there is a covered liability claim under your car or homeowners insurance policy that exceeds the coverage limits you have purchased on those policies.
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What is renter's insurance?
Renter's insurance is straightforward. IRMI defines it as insurance [that] covers the contents of the home, apartment, or a condo the tenant rents but does not own. It's that simple.
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How much does renters insurance cost?
If you're worried about your premium after hearing your landlord requires at least $100,000 in liability protection, you're not alone! Thankfully, on average, renters insurance is reasonably inexpensive. In July of 2021, the average annual cost of a home renter's insurance policy was $168 a year ($14 a month). Some factors will make your personalized policy more or less expensive. Some of these factors include: Location of the residence Your credit history Your dog's breed, if you have one Your previous claims Coverage limits