IMG
IMG

Listed are all policies offered by IMG. You can compare coverages, and review policy's certificates.

Compare policies offered by IMG

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IMG
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IMG
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IMG
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IMG
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IMG
Policy Name Patriot America

Certificate
Patriot International

Certificate
Patriot Multi-Trip America

Certificate
Patriot Multi-Trip International

Certificate
Patriot America Plus

Certificate
Ratings
AM Best Rating Underwritten By:
Sirius America Insurance Company

AM Best Rating Of:
A (Excellent)

Effective As Of:
10/04/2013

Verify Rating at
www.ambest.com
Underwritten By:
Sirius International Ins. Corp

AM Best Rating Of:
A (Excellent)

Effective As Of:
07/01/2016

Verify Rating at
www.ambest.com
Underwritten By:
Sirius International Ins. Corp

AM Best Rating Of:
A (Excellent)

Effective As Of:
07/01/2016

Verify Rating at
www.ambest.com
Underwritten By:
Sirius International Ins. Corp

AM Best Rating Of:
A (Excellent)

Effective As Of:
07/01/2016

Verify Rating at
www.ambest.com
Underwritten By:
Sirius International Ins. Corp

AM Best Rating Of:
A (Excellent)

Effective As Of:
07/01/2016

Verify Rating at
www.ambest.com
Zero Complaint Guarantee


This provider complies with Squaremouth's Zero Complaint Guarantee



This provider complies with Squaremouth's Zero Complaint Guarantee



This provider complies with Squaremouth's Zero Complaint Guarantee



This provider complies with Squaremouth's Zero Complaint Guarantee



This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Trip Cancellation

No coverage

No coverage

No coverage

No coverage

No coverage

Trip Interruption

$10,000 per person
Return transportation only

$10,000 per person
Return transportation only

$5,000 per person
Return transportation only

$5,000 per person
Return transportation only

$10,000 per person
Return transportation only

Hurricane & Weather

No coverage

No coverage

No coverage

No coverage

No coverage

Financial Default

No coverage

No coverage

No coverage

No coverage

No coverage

Cancel For Any Reason

No coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

No coverage

No coverage

No coverage
This benefit is separate from Trip Cancellation

Medical
Emergency Medical

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$1,000,000 per person
Secondary coverage

$1,000,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

Pre-Existing Condition

No coverage
Pre-existing look-back period 3 years

$20,000 per person Emergency Medical for Unexpected Recurrence age 64 and under
$2,500 per person Emergency Medical Unexpected Recurrence age 65 and over

$5,000 per person Emergency Medical for Unexpected Recurrence

$5,000 per person Emergency Medical for Unexpected Recurrence

Covered for Acute Onset of Pre-Existing Conditions

Co-Insurance

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

Plan pays 100% after deductible

Plan pays 90% of first $5,000 in PPO Network then 100%
Plan pays 80% of first $5,000 outside PPO Network then 100%

Plan pays 100% after deductible outside USA or Canada

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

Medical Deductible

$250 per person

$250 per person

$250 per occurrence

$250 per occurrence

$250 per person

Home Country Coverage

14 days

14 days

No coverage

No coverage

14 days

Evacuation
Medical Evacuation & Repatriation

$1,000,000 per person

$1,000,000 per person
Pre-Existing Condition limit $25,000 per person

$1,000,000 per person
Pre-Existing Condition limit $25,000 per person

$1,000,000 per person
Pre-Existing Condition limit $25,000 per person

$1,000,000 per person
Pre-Existing Condition limit $25,000 per person

Non-Medical Evacuation

$25,000 policy limit

$25,000 policy limit

$10,000 per person

$10,000 per person

$25,000 policy limit

Loss or Delay
Baggage & Personal Items Loss

$500 per person
$50 per item
Checked luggage only

$500 per person
$50 per item
Checked luggage only

$250 per person
$50 per item
Checked luggage only

$250 per person
$50 per item
Checked luggage only

$500 per person
$50 per item
Checked luggage only

Accidental Death
24 Hour AD&D

$50,000 per person

$50,000 per person

$25,000 per person

$25,000 per person

$50,000 per person

Common Carrier AD&D

$100,000 per adult
$25,000 per child
$250,000 policy limit

$100,000 per adult
$25,000 per child
$250,000 policy limit

$50,000 per person
$250,000 policy limit

$50,000 per person
$250,000 policy limit

$100,000 per adult
$25,000 per child
$250,000 policy limit

Sports
Sports & Activities

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Other Benefits
Money Back Guarantee

Free look up to 3 days after purchase

Free look up to 3 days after purchase

Free look up to the day before effective date

Free look up to the day before effective date

Free look up to 3 days after purchase

24 Hour Assistance Service

No coverage

No coverage

24 hour assistance provided

24 hour assistance provided

No coverage

Identity Theft

$500 per person

$500 per person

$500 per person

$500 per person

$500 per person

Renewable Policy

Renewable up to 24 months

Renewable up to 24 months

Not renewable

Not renewable

Renewable up to 24 months

Maximum Trip Length

Not applicable

Not applicable

30 days per trip

30 days per trip

Not applicable

Maximum Number of Trips

Not applicable

Not applicable

No limit

No limit

Not applicable

Multi-Award Winning Customer Service Team

Squaremouth’s outside-the-box approach to customer service has been recognized nationally and internationally, with 12 awards in 5 years. Customer service is part of everybody’s job at Squaremouth. Every employee spends time on the phone with customers each week.

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$30,000 Contest Encourages Reading Policy Documents

To highlight the importance of reading policy documents from start to finish, Squaremouth awarded one customer $10,000 in a secret contest for being the first to read hers. Then, we gave another $10,000 to a children’s literacy charity and $5,000 each to two schools.

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$1,000 Tips Shine a Light on Service

Squaremouth, a company that puts a focus on customer service, rewards 20 outstanding customer service providers in St. Petersburg, Florida with $1,000 cash tips. Then, one received an additional $10,000 as the Thank You Campaign’s grand prize winner.

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One of America’s Best and Fastest-Growing Companies

Squaremouth is consistently awarded for its unique company culture and steady revenue growth. This includes national recognition from Inc. Magazine, Fortune, and Entrepreneur, and local recognition from the Tampa Bay Business Journal and Florida Trend.

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