International Insurance

Traveling abroad is an exciting experience, but many people don’t know their domestic health insurance may provide limited or no coverage when traveling internationally. While no one expects to have a medical emergency, unpredictable illnesses and accidents can happen, and the resulting medical bills can be overwhelming.

Who is this for?

Are you or a family member planning a visit to the United States this summer? With over 75 million international visitors to the U.S. each year, it’s critical for travelers to understand their health insurance options while in the U.S.


Fiancé or K-1

If you are arriving to the USA on a Finance visa, Patriot America Plus, would be your best coverage option as your will not be eligible for an ACA coverage.


International Student

International Students who are visiting the USA on F-1 or J-1 visas can apply to international health insurance with IMG. They can have coverage extended as long as they want.



If you are visiting the USA on a tourist visa, having an International Medical insurance protects your and your family from the unexpected medical expenses.

Not sure which visitor insurance product is right for you? Click here and filter for “visitors/immigrant”


Patriot Travel Series

With travel medical insurance from IMG, you can enjoy peace of mind knowing you have medical coverage and 24/7 global assistance services to support you in your time of need.

Patriot America Plus

  • Maximum limits from $50,000 to $1,000,000
  • Deductible options from $0 to $2,500
  • Coverage for acute onset of pre-existing conditions
  • Access to the tier 1 UnitedHealthcare Options network when seeking care in the U.S.

How it Works?

Finding an international health insurance a piece of cake. Find a plan, choose coverage dates, and your good to go!


Find a Plan

From the many options available.


Customize Your Plan

Choose Deductible, Coverage Dates, and Add-On riders.


Save your Insurance Card

You will receive an email with your insurance card. Save it!

Frequently asked questions

Can I Sign Up For International Insurance at Any Time?

Yes. You will receive your medical insurance certificate by email as soon as you sign up for a plan.

Can I Sign Up My Fiancé Before he/she arrives to the USA?

Yes. We recommend that you purchase a health insurance policy before arrival so the coverage starts day 1.

What Insurance Carrier Offers International Insurance?

These plans are offered by IMG (International Medical Group). The plans have United Healthcare Choice Network in the USA.

Is there a deductible option?

Yes. You will have the option to choose a deductible amount. We recommend choosing no more than $500 deductible. 

Can I Cancel At Any Time?

Yes. You can cancel at any time, Your refund will be prorated to the number of days left uncovered. 

Will I Receive an Insurance Card?

You will receive an email immediately from IMG with your insurance certificate and Insurance cards when you enroll in a plan. You also have the option to order cards by mail. Note that if you reside overseas your cards may take longer by mail, thus the email option is faster.

International Coverage

Purchasing international travel health insurance is a good way to protect yourself against unexpected medical expenses. The cost of medical treatment in a foreign country can be prohibitive without insurance, but you’ll have peace of mind knowing that your expenses are covered by the policy. Fortunately, there are several options available, including a short-term supplemental policy. These policies can pay directly to the hospital for emergency treatment. You may also be able to use them to supplement your current health insurance plan.

You’ll want to compare the costs and coverage of various policies. For instance, long-term travel medical insurance is guaranteed to renew for a specific number of trips. While these policies tend to be cheaper, they are not necessarily as comprehensive. If you’re a frequent traveler, you may want to consider getting multi-trip coverage. The downside to this type of policy is that you won’t be covered if you have U.S. health insurance.

Alternatively, you can buy a supplemental international travel health insurance plan that fills in the gaps of your primary healthcare plan. These plans can even provide primary healthcare. It’s important to note that most travel health insurance policies don’t cover pre-existing conditions. A waiver of this exclusion can help you avoid being denied coverage for treatment for an existing condition. In such a situation, you’ll want to consider getting a separate policy.

Have Questions?

We are a phone call or an email away. Let's chat.

Based on 20 reviews
Tony T
Tony T
May 19, 2022.
Nick and the team have taken great care of my family for the last decade. If he does not know something he is diligent in finding the answer and getting back with me. A number of times I have had to call after hours to ask a pressing question and he has been there for me. I also love how this agency is so involved in in the community.
Cassandra Heitman
Cassandra Heitman
March 14, 2022.
It's a pleasure to work with Tarek El Ali! He helped me successfully get medical coverage for my small business. He made the process very easy and he responds to all concerns promptly. Thank you, Tarek.
arron draper
arron draper
January 8, 2022.
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Erika Vevang
January 5, 2022.
I was previously working with someone through my franchise company to set up insurance for my employees. Low and behold after weeks of working with her she was not able to complete my process and was not very responsive when I asked her questions. She referred me to Tarek to finish up and he immediately contacted me and got my plan completed within the day! He was super nice and made sure my account was set up and ready to go before we missed our deadline. Highly recommended!
Kyle Lanza
Kyle Lanza
January 4, 2022. can be a little confusing so I called them up for help figuring everything out when I turned 26. Tarek is excellent at what he does. He had everything figured out for me in less than 15 minutes on the phone with him. I was so impressed that he will continue to be my go to guy for anything heath insurance related. I can not recommend him enough.
Jeffrey Walker
Jeffrey Walker
December 30, 2021.
This is our 2nd time working with Tarek to find the right health insurance policy for my small business. In both cases the knowledge of the changing insurance landscape in Illinois has helped us greatly.
Craig Baglien
Craig Baglien
December 18, 2021.
Smart Insurance Agents especially Tarek were extremely helpful in selecting and also answering follow questions on the offering I selected.
Peter Ward
Peter Ward
December 14, 2021.
Tarek has help me multiple times with finding appropriate insurance options. He listens to specific needs and helps find fitting plans. The process is smooth and quick but also informative. He is very professional and responsive.
JeongHun Paik
JeongHun Paik
December 14, 2021.
Very professional and trustworthy! As all the other reviewers posted, Tarek did an awesome job! Thank you!
Paulina Pietras
Paulina Pietras
December 11, 2021.

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