IMG Patriot Travel Insurance Related
Frequently Asked Questions

IMG

  1. How do I Apply?
  2. Is the coverage available to anyone?
  3. I am leaving for a trip that lasts 18 days, what should I do?
  4. I am a US citizen who travels often, which plan should I buy?
  5. How long prior to a trip can I buy the Patriot plan?
  6. I live in the USA, but I am a citizen of England, can I buy the Patriot Plan for travel to the UK?
  7. My parents are visiting my family for a period of time. Can I purchase the IMG Patriot Plan for them?
  8. What is IMG's refund policy?
  9. If I have a claim while traveling overseas, what do I do?
  10. I am traveling for 6 months or more, which Patriot Plan should I buy?
  11. Do I need to have primary health insurance to buy the single trip Patriot travel medical insurance?
  12. Who is IMG?

How do I Apply?

For Single and Multi-Trip Travel Plans, the brochures and application are contained within the web pages. Simply print the application and send it to TFG Global Travel Insurance.com ™ or to IMG.  Single Trip coverage can also be obtained via IMG's secure encrypted online server. Expatriate Long Term Insurance plans and Group Plans can be obtained by visiting Expat  Financial's™ Web Page. Finally, you can also go to the Quote Request Page, especially if you have special quote requirements.

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Is travel coverage available to anyone, including citizens of the USA?

Yes, the travel plans we offer are available to anyone in the world, including citizens of the USA. Long term International health plans are not available to US citizens living in the USA, unless they are planning to become expatriates (leave the country). However, Vacation Insurance plans are only available to citizens of the USA or to people who have purchased their trip in the USA.  The IMG Patriot Executive plan is only available to citizens of the USA and Canada who are covered by their employer's corporate health plan.

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I am leaving on a trip for 18 days, what should I do?

You have to purchase one month of coverage. Patriot plans can only be issued in blocks of 15 days and/or months. If you are traveling for only 7 days, you have to purchase the 15 day plan.

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I am a US citizen who travels often, which plan should I buy?

If you happen to make frequent trips less than 30 days each trip, the Patriot Executive is best suited to your needs. This plan allows you to take as many trips outside your country of citizenship each year as long as each trip is less than 30 consecutive days in duration. This plan is only available to US citizens who are covered by a primary health insurance plan via their employer.

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How long prior to a trip can I buy the Patriot plan?

You can purchase the same day you travel if you want. There isn't a window prior to the departure date that customers must be within. You can even purchase your Patriot plan after you have already left. HOWEVER, the coverage will not be effective until you leave your country of citizenship and pay the applicable premium at time of application.

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I live in the USA, but I am a citizen of England, can I buy the Patriot Plan for travel to the UK?

NO. The Patriot plan only covers people who are traveling outside their country of citizenship. We do offer the SRI Liaison plan which covers people outside their home country. Liaison International provides coverage as outlined in this brochure for individuals and families (including unmarried dependent children over 14 days and under 19 years of age) while traveling outside of their home country. Home Country is defined as - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.

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My parents are visiting my family for a period of time. Can I purchase the IMG Patriot Plan for them?

Yes! Depending on their length of stay you could purchase either the Patriot America for trips less than 6 months or Patriot Expat Plus plan for trips 6 months to a year.

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What is IMG's refund policy?

IMG will refund the policy premium if the policy was cancelled by the insured in writing prior to the effective date of the policy. You will not be refunded once the coverage starts. You need to contact IMG directly to cancel your policy.

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If I have a claim while traveling overseas, what do I do?

Contact IMG directly ASAP. IMG's contact page is: https://www.imglobal.com/contact/index.cfm and claims page is: https://www.imglobal.com/clients/claims_info.cfm

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I am traveling for 3 months or more, which Patriot Plan should I buy?

The Patriot Expat Plus is your best bet.

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Do I need to have primary health insurance to buy the single trip Patriot travel medical insurance?

No. Only the multi-trip Patriot Executive plan requires you to have primary health insurance coverage.

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Who is IMG?

IMG is the administrator and their underwriter is SIRIUS International. Read more HERE.

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Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact TFG Global Insurance Solutions Ltd. sm for more information about your specific jurisdiction. Some of the above coverage is NOT available to residents in British Columbia. TFG Global Travel Insurance.com & TFG Global Insurance Solutions Ltd. are all trademarks and service marks of TFG Global Insurance Solutions Ltd.™sm

*see plan brochure or policy summary for more IMG policy details. 

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