The review
IMG has been underwriting international medical cover since long before anyone used the word nomad, and Patriot is its travel medical plan.
The useful part is the configurability. Most plans on this page give you a tier and a price; Patriot gives you a coverage maximum between $50,000 and a million, and a deductible anywhere from zero to $2,500, so you can shape the premium to what you can actually afford. It renews up to twenty-four months.
Do not confuse Patriot with IMG’s Global Medical plans. Patriot is travel medical, for trips. Global Medical is international health insurance, for living somewhere. They are sold from the same site and are not the same product.
What works
- Deductible you choose, from zero upwards
- Four coverage maximums to pick between
- Renewable up to twenty-four months
- Separate long-term plan for living abroad
What does not
- No indicative pricing on their own pages
- Pre-existing conditions explicitly excluded
- Pays only what it considers reasonable charges
- What you can buy varies by US state