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International Travel and Health InsuranceMany international travelers assume they will be covered for illnesses and injuries while
abroad. The truth is, your domestic insurance plan International Medical Group ® - IMG® Medical treatment while abroad is often an unfortunate fact of life - usually in the most remote place at the most inconvenient time. Since 1990 International Medical Group, Inc. (IMG) has built a solid reputation providing medical security to hundred's of thousands of individuals and families in more than 150 countries. IMG's on-site physicians and nurses, multilingual claims administrators and customer service professionals work synergistically ensuring your medical needs are met. With thousands of claims processed annually from around the globe, IMG can handle virtually any language or any currency quickly and efficiently. Whether it is evacuation, medical emergencies or pre-certification, IMG representatives are available 24 hours a day, 7 day s a week, 365 days a year - providing true global peace of mind. IMG's customer service is routinely rated among the highest in the industry. You can rest assure that IMG will be there for you, whether it is a routine treatment or a medical emergency. By utilizing our SelectaPlan, we can quickly direct you to the plan(s) that will best meet the needs of you, your family or your 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.
Individual International InsurancePatriot Travel Medical Insurance®
Individual & family (5 days up to 2 years coverage)
There are two 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 5 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 home country. Coverage includes medical evacuation, repatriation, and
your choice of deductibles and policy limits.
Patriot Travel Medical Insurance®
Individual & family (5 days up to 2 years coverage)
There are two 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 5 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 home country. Coverage includes medical evacuation, repatriation, and
your choice of deductibles and policy limits.
Patriot Extreme® Travel Medical Insurance
Extreme athletics and adventure 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 or extreme sports.
Patriot Executive® Travel Medical Insurance
Extreme athletics and adventure
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.
Patriot T.R.I.P.SM
Travel Protection for trips up to 30 days
To help protect you from losing money you've spent on travel, there is
Patriot T.R.I.P. Patriot T.R.I.P.
helps protect travelers who are unable to travel or are interrupted during their covered
trip due to circumstances such as a sudden and unexpected illness or injury, death in the family, jury duty, job layoff,
terrorism or the bankruptcy of the tour operator, cruise line or airline. Benefits also include coverage in the event of travel
and baggage delay, lost baggage, emergency medical expenses, emergency medical evacuation and more.
Patriot T.R.I.P. EliteSM
First Class Travel Protection
To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite,
a premier travel insurance program. You expect top-notch service if the unexpected should happen.
Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need more coverage than
provided by the Patriot T.R.I.P. program. The
Patriot T.R.I.P. Elite program increases the benefit amount for emergency medical, emergency
medical evacuation, travel delay, baggage, trip interruption and adds a new benefit for violent attacks. Make sure you have the premier
protection you need with Patriot T.R.I.P. Elite.
Patriot StudentSM T.R.I.P.
Student Travel Insurance Program
Patriot Student T.R.I.P. is a "budget conscious" travel insurance
program designed to provide important benefits to students for many of those unforeseen circumstances that may force the
cancellation or interruption of a covered trip. This program also includes coverage for trip cancellation or interruption
travel and baggage delay, lost or stolen baggage, emergency medical expenses and emergency medical evacuation.
Global Basic Insurance®
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 Basic Insurance has two areas of coverage, worldwide or
worldwide excluding US/Canada
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 offers two areas of 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.
The two areas of coverage are for people needing coverage worldwide or worldwide excluding US/Canada.
Sky RescueSM
Emergency Medical Evacuation
Sky Rescue provides emergency medical evacuation and scheduled coverage
for individuals under the age of 65 traveling outside their home country for a minimum of three months. The plan
may be purchased for three months, six months or 12 months and can be rewritten for succeeding or subsequent periods.
New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply and a new application
must also be completed.
Group International InsuranceGEOSM Group
Employer sponsored group insurance
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 (5 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 home country 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.
Kardel Insurance Services - Because We Are Travelers Too
Call today at 805.922.5283 or E-Mail for more information.
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may not travel with
you. With a medical evacuation benefit and family repatriation, international travel health insurance is a
valuable product any expatriate, international businessperson, missionary or sojourner should seriously
consider. Coverage is available for short and long term travel and relocation for U.S. and non-U.S. citizens,
individuals and groups.
As expatriates living in India and Denmark, or traveling through Costa Rica, our office is full of
international explorers. With over 28 countries between us, we believe in international travel insurance.
From sprained ankles shopping to elite basketball tournaments, our staff has experienced international
medical emergencies. Having a specialist in international coverage provides security, protection and a friend
on your side.