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Traveling is a fun and exciting adventure, but it is also important to take into consideration the potential risks that come with it. That is why, when planning for a trip, it is crucial to have travel insurance. One of the most reputable travel insurance companies today is the International Medical Group (IMG) and their subsidiary company, International Medical Group-Travel Insurance (IGA). In this article, we will explore everything you need to know about IGA travel insurance.
What is IGA Travel Insurance?
IGA travel insurance is designed to provide coverage for travelers who are going abroad. It offers protection against medical expenses, trip cancellations, lost baggage, emergency medical evacuation, and other travel-related risks. IGA travel insurance is underwritten by Sirius International Insurance Corporation and is available to U.S. citizens and non-U.S. citizens traveling outside their home country.
What are the Types of IGA Travel Insurance?
IGA travel insurance offers several types of coverage, depending on the traveler’s needs:
- Patriot Travel Medical Insurance: This is designed for individuals and families who need medical coverage while traveling internationally.
- Patriot International: This is ideal for travelers who are planning to leave their home country for an extended period of time.
- Patriot Platinum Travel Medical Insurance: This is a top-tier plan that offers comprehensive coverage for travelers.
- Patriot Green Travel Medical Insurance: This plan is designed for eco-conscious travelers and offers coverage for environmental impact, such as carbon offsetting.
- Patriot Adventure Travel Medical Insurance: This is tailored for adventure travelers who need coverage for activities such as hiking, mountain climbing, and scuba diving.
What are the Benefits of IGA Travel Insurance?
IGA travel insurance offers the following benefits:
- Medical Expenses Coverage: This includes medical treatment, hospital stays, and emergency medical evacuation.
- Trip Cancellation Coverage: This provides reimbursement for trip expenses such as airfare, hotel reservations, and rental cars in case of an unforeseen cancellation.
- Lost or Stolen Baggage Coverage: This provides compensation for lost or stolen baggage and personal items during travel.
- Emergency Dental Treatment Coverage: This covers dental emergencies during travel.
- 24/7 Customer Service: IGA travel insurance offers round-the-clock customer service to assist travelers in case of emergencies.
How to Purchase IGA Travel Insurance?
IGA travel insurance can be purchased online through their website, or through a travel agent. It is recommended to purchase travel insurance before the trip, as some plans may have restrictions if purchased after the trip has begun.
How to File a Claim with IGA Travel Insurance?
If an emergency occurs during travel, it is important to contact IGA travel insurance immediately. The contact details are provided in the policy documents. To file a claim, the traveler must provide all relevant documentation, including medical reports, receipts, and proof of travel.
FAQs
| Q: What is the coverage limit for medical expenses? | A: The coverage limit for medical expenses depends on the plan purchased. Some plans offer up to $2,000,000 in coverage. |
| Q: Does IGA travel insurance cover pre-existing conditions? | A: Pre-existing conditions are usually excluded from coverage. However, IGA travel insurance offers a waiver for some plans, which can cover pre-existing conditions if certain requirements are met. |
| Q: Is there a waiting period for coverage? | A: Some plans have waiting periods for coverage, which can range from 24 hours to 14 days. It is important to check the policy documents to know the waiting period for a specific plan. |
| Q: Can I change or cancel my plan? | A: Yes, plans can be changed or cancelled before the trip begins. However, some plans may have restrictions or fees for changes or cancellations. |
Conclusion
IGA travel insurance is a reliable and comprehensive option for travelers who need protection against potential risks during their trips. With their variety of plans and benefits, travelers can choose a plan that suits their needs and budget. It is important to carefully read the policy documents and understand the coverage and exclusions before purchasing a plan. With IGA travel insurance, travelers can have peace of mind and enjoy their trips to the fullest.