Patriot Travel
FAQ

Who underwrites the Patriot Travel Series?

SiriusPoint Specialty Insurance Corporation is the underwriter for the Patriot International Lite, Patriot America Plus, and Patriot Platinum plans. The underwriter is rated A (excellent) by A.M. Best and A- by Standard & Poor's

Am I eligible for the Patriot plans?

You are eligible for coverage under the Patriot International Lite, Patriot America Plus, and Patriot Platinum plans as long as you are outside your country of residence, not have established a Habitual Residency in the Destination Country, and as long as you are at least 14 days old. This includes international students (including those on OPT), visiting scholars, exchange students, dependents, travelers, chaperons, international business groups, etc.

Where will this plan cover me?

You are eligible for coverage under the Patriot America Plus & America Platinum plans if you plan on traveling to the US, outside of your country of residence. The Patriot International Lite & International Platinum will cover you outside your country of residence outside the US. The country of residence is the country in which you maintain your current primary residence or usual place of abode and any country to which you pay income taxes based upon employment in that country.

When can I purchase my plan online?

You may purchase the Patriot plans at any time, up to 6 months in advance of your selected policy start date, and begin receiving coverage as soon as the next day. Please note that the full premium will be charged immediately at the time of the application.

When does my coverage become effective?

Your coverage becomes effective on the start date that you select at the time of application (if you are applying online), the moment you depart your residence country, or at 12:01 am EST on the date you request on your paper application.

When does my coverage end?

Your coverage ends on 12:01 am EST on the date you select at the time of application (if you are applying online), or the moment you depart your trip for your residence country.

Will I get my documents immediately?

Yes! When you apply online, you will instantly receive a confirmation email with your policy documents that include links to both your ID card and Visa Letter. You may print these pages to show proof of coverage and will satisfy the requirements of most embassies and consulates.

Will I get my ID card and documents in the mail?

Electronic fulfillment is the only option available for the Patriot Travel plans. You will receive your policy documents via email, after you purchase the plan. You may also access your documents online through your MyIMG account.

How do I get a visa letter?

Your Visa Letter will be included in the confirmation email you receive upon purchase. You may also access your visa letter online through your MyIMG account.

What forms of payment do you accept?

We accept Visa, MasterCard, American Express, and Discover cards. If you would prefer to use pay via echeck, please contact us for assistance.

How can I manage my account?

Upon purchase, you’ll have access to your MyIMG account. Through this online portal, you’ll have immediate access to many important resources, including 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, and much more.

What are the differences between the Patriot plans?

Some of the main differences between the plans are outlined below:

Can I use Telemedicine with my plan?

If you’ve purchased the Patriot America Plus or Patriot International Lite plans, you are free to use any telemedicine service that you’d like. You will need to pay for this service directly, keep copies of all of your receipts, and file a claim to be reimbursed for any eligible expenses per the plan policy conditions and exclusions.

If you’ve purchased the Patriot America Platinum plan, your plan includes access to Teladoc Virtual Medicine at no additional cost. You can learn more about this service through our Teladoc page here.

If you’ve purchased the Patriot International Platinum plan, your plan includes access to CareClix Virtual Medicine at no additional cost. You can learn more about this service through our CareClix page here.

What is the Travel Intelligence Mobile App?

The Patriot America Platinum and International Platinum plans include access to IMG’s Travel Intelligence, giving you peace of mind before, during, and after your travel. This service provides location-specific insights about travel, safety, security, and health incidents before departure and while abroad. To access this, please login to your MyIMG account and select Travel Intelligence to utilize this service.

Does this plan have dental or vision coverage?

The Patriot International Lite, America Plus, and Platinum plans do not provide coverage for routine or preventative care, like dental or vision exams. However, the plans provide coverage for dental treatment due to a covered accident or unexpected pain up to a $300 limit, as well as coverage up to the maximum limit for treatment due to a traumatic dental injury. The Patriot plans also include coverage for an emergency eye exam up to a $150 maximum limit for loss or damage to prescription corrective lenses due to a covered accident.

What does URC mean?

URC stands for the Usual, Reasonable, and Customary amount. This amount is the average cost of a specific treatment or prescription in a specific geographic area. For example, if a particular procedure costs $5,000 on average in New York City, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment to "Usual Reasonable and Customary" — in this example, $5,000 and you’d be responsible for paying the remaining amount.

What is pre-certification?

Pre-certification is when you contact the insurance company prior to getting treatment for a specific procedure. Pre-certification must take place within forty-eight (48) hours after the admission, or as soon as is reasonably possible. If the following treatments are not pre-certified, there will be a 50% reduction in the coverage of eligible medical expenses.

• Chemotherapy
• Extended Care Facility
• Home Nursing Care
• Inpatient Hospitalization
• Radiation Therapy
• Surgery or Surgical procedure

If the following are not pre-certified, there will be no coverage of eligible medical expenses:

• Interfacility Ambulance Transfer
• Emergency Medical Evacuation
• Emergency Treatments new on International plans

You or your healthcare provider can pre-certify in the following ways:

• Inside the United States: +1.800.628.4664
• Outside the United States: +1.317.655.4500 (Collect if necessary)
• E-mail: acm@imglobal.com
• Online: www.imglobal.com/member/precertification
• Through your MyIMG account

What is a deductible?

The deductible is the dollar amount you must pay to your provider before the insurance company will cover a percentage of eligible expenses. Please note that the deductible is per person, and is only paid once per year. On the Patriot International Lite and America Plus plan, you can choose between the following deductibles: $0, $100, $250, $500, $1,000 or $2,500. On the Patriot Platinum plans, you can choose between the following deductibles: $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, or $25,000.

What is coinsurance?

Coinsurance is the “cost-sharing” between you and the insurance company. After you satisfy the deductible, the insurance company will pay a percentage of remaining eligible expenses. The coinsurance on this plan will depend on which level you choose, where you are traveling, and if you go to an in-network or out-of-network provider. You can search the network for providers online.

The coinsurance on the Patriot International Lite and International Platinum plans is as follows:
Outside the United States: 100% of eligible expenses, after the deductible is met, up to the policy maximum.

The coinsurance on the Patriot America Plus plan is as follows:
In-Network in the United States: 100% of eligible expenses, after the deductible is met, up to the policy maximum.
Out-of-Network in the United States: 80% of eligible expenses, after the deductible is met, for the first $5,000, and then 100% coverage up to the policy maximum.

The coinsurance on the Patriot America Platinum plan is as follows:
In-Network in the United States: 100% of eligible expenses, after the deductible is met, up to the policy maximum.
Out-of-Network in the United States: 90% of eligible expenses, after the deductible is met, for the first $5,000, and then 100% coverage up to the policy maximum.

What does “in-network” mean?

“In-network” is a list of providers (hospitals, physicians, clinics and urgent care centers) that have agreed to contract with the insurance company. This plan uses a PPO Network (or Preferred Provider Organization) which means that you can go to any provider you’d like, however those inside the network have agreed to accept payment directly from the insurance company at discounted rates. This will allow you to pay less out-of-pocket if you go to an in-network provider.

What is the Universal Rx Discount Card?

The Universal Rx Discount Card is a discount savings program that allows you to purchase prescriptions from one of 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This program is not insurance coverage; it provides reduced rates at participating pharmacies.

Can I extend or renew my insurance plan?

Yes! You are able to extend your coverage. If you purchase this plan for less than 365 days, you may extend your Patriot International Lite, Patriot America Plus and Platinum plans up until you have fulfilled the full 365 days of coverage. From there, you may renew your plan up to one additional year on the Patriot International Lite and America Plus, and an additional two years on the Platinum levels in your MyIMG account.

My plan has expired, how can I reinstate it?

Unfortunately, once a plan has expired, it cannot be reinstated. However, you may purchase a new Patriot plan. Please keep in mind that if you had coverage for a condition during your first plan or if any condition occurred during the lapse in coverage, it would not be covered on a new plan because it would now be considered a pre-existing condition.

Can I cancel my Patriot plan?

You will have three days from the initial effective date of coverage, called the Review Period, in which you can review the benefits, conditions, limitations, exclusions, and all other terms of the plan. If you are not completely satisfied, you can cancel the plan for a full refund. After the Review Period, the following conditions will apply:

• If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
• If no claims have been filed with the Company:
  • a cancellation fee of $50.00 USD will be charged regardless of the reason for cancellation
  • only Premium covering time periods after cancellation are refundable

All cancellation requests must be submitted in writing. No cancellation requests can be accepted over the phone. You may send this request to info@internationalstudentinsurance.com.

Which doctors or hospitals can I go to?

You may visit any doctor or hospital and receive coverage under your Patriot plan. However, when in the United States, it is always best to choose a provider that accepts the contracted Preferred Provider Network (PPO).

If you’ve purchased your plan after May 1st, 2019, you’ll want to find a provider in your area that accepts the UnitedHealthcare Network, as you will have less out of pocket expenses. You can find providers through the UnitedHealthcare search tool.

If you’ve purchased your plan prior to May 1st, 2019, you’ll want to find a provider in your area that accepts the First Health Network. You can find providers that accept the First Health Network.

When outside of the United States, IMG offers their International Provider Access search tool to make it easier for you to find providers in the area that you are located. You can find providers in your area through our online provider search tool.

If you are unsure of where to seek treatment, please feel free to contact us and we’d be happy to help you locate the correct doctor to visit.

How are claims paid?

Claims will be paid depending on where you are located and where you seek treatment:

In-network while inside the USA

When you visit a provider that is part of the plan network your insurance bill is typically paid directly, so you would just need to pay your deductible at the time of treatment. To confirm direct billing, it is important to check with the provider before you seek treatment.

Out-of-network while inside the USA

Generally, when you visit a provider that is outside the network, you will need to pay for all services up front and then submit a claim form, along with any bills and receipts from your visit, for reimbursement.

Outside the USA

When visiting a provider around the world, please pay for the services up front and then submit a claim form for reimbursement.

If you're hospitalized for an emergency or planned hospitalization, you'll need to call the 24-hour emergency assistance number located on the back of your insurance ID card, and they'll assist you further with settling the hospital bills.

No matter where you seek treatment, you'll want to complete a claim and/or accident form within 180 days of the illness/accident and email it to CustomerCare@imglobal.com. If you were required to pay anything out of pocket at the time of treatment, make sure to send your itemized receipts and any bills so that your claim is processed as quickly as possible. You can access the claim and accident form and submit your claims through your MyIMG account. Tip: Please ask for all your medical documents at the time of treatment, including your medical records, in case they are requested at a later date.