Patriot Adventure International Plan

Patriot Adventure International Insurance

Do you travel with adventure or extreme sports in mind? International Medical Group’s Patriot Adventure Travel medical insurance plan is designed for you. This plan best fits the international traveler (U.S. resident traveling outside the U.S.) who seeks the thrill of adventure sports and wants to be certain they have a medical plan which will cover certain activities.

What makes this plan so great?

  • Single trip medical insurance (minimum of 30 days)
  • Various adventure sports and activities are covered *
  • $50,000 medical maximum
  • $250 deductible
  • Optional trip cancellation available

You have enough to worry about when you’re traveling. Don’t let your medical coverage for sports activities be an uncertainty.

*See policy for a list of all covered activities


Patriot Adventure International Plan Details



$250 per Period of Coverage

Maximum Limit



No coinsurance



Hospital Room and Board

Up to the Maximum Limit for average semi-private room rate

Intensive Care

Up to the Maximum Limit

Medical Expenses

Up to the Maximum Limit

Out-patient Medical Expenses

Up to the Maximum Limit

Local Ambulance

Up to the Maximum Limit

Emergency Room Accident

Up to the Maximum Limit


Injury due to an accident: Each Patriot Adventure plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit.

Sudden dental emergency: Each plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Emergency Illness – with In-patient Admission

Up to the Maximum Limit

Emergency Illness – without In-patient Admission

Up to the Maximum Limit with additional $250 deductible

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admission to the hospital.

International Emergency Care


Emergency Evacuation

Up to the Maximum Limit

Patriot Adventure offers coverage for Emergency Medical Evacuation from a medical facility to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Maximum Limit.

Emergency Reunion

Up to $10,000

Patriot Adventure also provides emergency reunion coverage, up to $10,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Mortal Remains Cremation & Burial

Up to $15,000 for Return of Mortal Remains or $5,000 for Cremation/Burial

If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $15,000; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.

To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.

Political Evacuation

Up to $10,000

If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, orders the evacuation of all non-emergency government personnel from the host country, due to political unrest, that becomes effective on or after the insured person’s date of arrival in the host country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the insured person’s home country or country of residence provided that:
The insured person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, issuance of the evacuation order; and
The evacuation order pertains to persons from the same home country as the insured person; and
Political Evacuation and Repatriation is approved and coordinated by the Company; In no event will the Company pay for a political evacuation if there is a travel warning in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.

Additional Benefits

Benefit Period

Three months

If a covered injury or illness requires continuing treatment after the certificate expires, the 3-month Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than three months before the certificate expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limits and the other terms of the plan until there have been three months of continuous coverage for the covered injury or illness.

Sports & Activities

Up to the Maximum Limit for basic and Adventure sports as described below

Each Patriot Adventure plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged solely for leisure, recreation, entertainment or fitness purposes. Some of these sports include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/cross country snow skiing, horseback riding, wakeboarding, and water skiing. In addition some Adventure sports are covered:abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Also, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee.

Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.

Trip Interruption

Up to $5,000

If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, the plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Lost Luggage

Up to $50 per item; maximum of $250

A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.

Common Carrier Accidental Death

$50,000 to Beneficiary; maximum of $250,000 per family

If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, to a maximum of $250,000 per family.

Sudden Recurrence of a Pre-existing Condition (U.S. Citizens)

Up to $1,000 will be reimbursed for the eligible medical expenses of a sudden and unexpected recurrence of a Pre-existing Condition (defined on page 10) while traveling outside of the U.S. In addition, up to $25,000 will be reimbursed for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition, please see Exclusion number 1 on the Exclusions page.


For U.S. citizens only, Patriot Adventure will pay directly to the insured person $100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit.

For full policy information, see your policy certificate for details.

Patriot Adventure International Frequently Asked Questions

Am I covered for sports or team events?

Organized sporting teams, whether amateur or professional, are generally not covered by these travel plans. If you are traveling with a sports team, contact your organization about coverage. Most are covered under a group blanket plan.

Student designed plans can offer limited sports coverage while being played with a school team, depending on the plan chosen.

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Can my coverage start today?

Your insurance coverage cannot start on the same day you apply. The earliest most plans can begin is 12:01am the next day.

How early should I purchase my travel insurance?

You may need to buy your coverage quickly. Certain plans, such as trip cancellation plans, have benefits that are not available unless you purchase your coverage within 10-15 days of your initial down payment on your trip. Trip cancellation may exclude pre-existing conditions, or not offer a “Cancel for Any Reason” benefit if you purchase coverage after a certain number of days from the time that you make your initial trip deposit. See the brochure for details.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936

What are the additional rider options?

Riders are additional features or additional coverage to the standard plan. Not everyone needs all the riders. Patriot America Insurance has the following riders to choose from. All the riders have an additional cost, and you’ll be able to get a quote and select them in the application.

  • Leisure Sports
    Coverage for jet skiing, scuba diving, snow skiing, snow boarding, snow mobiling, snorkeling, surfing, wake boarding, water skiing and windsurfing.
  • Extreme Sports
    Provides coverage up to $50,000 lifetime maximum for extreme sports activities such as BMX, bungee jumping, caving, flying (private plane), hand gliding, high diving, hot air ballooning, kayaking, inline skating, mountain biking, & etc. Refer to Patriot America Insurance Brochure for complete list.
  • Enhanced AD&D
    This optional coverage is available for the primary insured person only. The coverage is in addition to the Accidental Death & Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of three months.
  • Return Rider
    (Non-U.S. Citizens only) When purchased at the time of application, Patriot Return provides temporary medical coverage for non-U.S. citizens returning to their home country.
What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

What is a pre-certification requirement?

Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.

What period of time does international medical coverage last?

Most long term plans require that you renew the policy on an annual basis but short term policies can be purchased for as few as 5 days.

Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

Who do I call in case of an emergency?

First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.

Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.

Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.

Why do I need insurance while outside my home country?

In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.

Patriot Adventure International Claims & Assistance

  • International Medical Group, Inc.
  • 2960 North Meridian Street
  • Indianapolis
  • IN, 46208

1-317-655-4500 (outside US)


1-317-655-4500 (outside US)