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| IMG Patriot Travel Medical | IMG Patriot Platinum Travel Medical | HCC Atlas Travel | |
|---|---|---|---|
| Covered Areas | 1. Worldwide including the US; 2. Worldwide excluding the US | 1. Worldwide including the US; 2. Worldwide excluding the US | 1. Worldwide including the US; 2. Worldwide excluding the US |
| Emergency Medical Overall Maximum Limit | $50,000, $100,000, $500,000, $1,000,000, $2,000,000 | $2,000,000, $5,000,000, $8,000,000 | $50,000, $100,000, $200,000, $500,000, $1,000,000 |
| Deductible Options | No deductible, $100, $250, $500, $1,000, $2,500 | No deductible, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000 | No deductible, $100, $250, $500, $1,000, $2,500 |
| Sports Coverage | Basic sports covered; optional rider available for adventure sports | Basic sports covered; optional rider available for adventure sports | Included at no additional charge |
| Home Country Coverage | N/A | N/A | US citizens: covered up to 15 days per 3 months of coverage. Non-US citizens: covered up to 30 days per 3 months of coverage |
| Emergency Medical Evacuation Limit | $1,000,000 | Up to selected medical maximum limit | $1,000,000 |
| Pre-Existing Medical Condition Coverage - Medical | Coverage for sudden and unexpected recurrence of a pre-existing condition: Non-US citizens, ages 64 and younger: up to $50,000. Non-US citizens, ages 65 and older: up to $2,500. US citizens, ages 64 and younger: up to medical maximum limit when insured through a primary health plan; $20,000 limit when not insured through a primary health plan. US citizens, ages 65 and older: up to $2,500 | Coverage for sudden and unexpected recurrence of a pre-existing condition: Non-US citizens, ages 64 and younger: up to $50,000. Non-US citizens, ages 65 and older: up to $2,500. US citizens, ages 64 and younger: up to medical maximum limit when insured through a primary health plan; $20,000 limit when not insured through a primary health plan. US citizens, ages 65 and older: up to $2,500 | Under age 70: up to overall maximum limit selected |
| Pre-Existing Medical Condition Coverage - Evacuation | Sudden and unexpected recurrence of a pre-existing condition is covered up to $25,000 | Sudden and unexpected recurrence of a pre-existing condition is covered up to $25,000 | Under age 70: acute onset covered up to $25,000 |
| Trip Cancellation | N/A | N/A | N/A |
| Trip Interruption Limit | $10,000 | $10,000 | $5,000 |
| Baggage Limit | $500 ($50 per item) | $500 | $500 |
| Accidental Death and Dismemberment Limit | $50,000 | $50,000 | Under age 18: $5,000. Ages 18-69: $50,000. Ages 70-74: $12,500. Age 75 and older: $6,250 |