Visas · head to headIMG vs Seven Corners
IMG vs Seven Corners
Compared on eligibility rather than price: who each will actually accept. The long-haul workhorse, renewable to 36 months, no hard age cap. Age 14 days to 99 years; US-visitor plans extendable to 3 years.
The rules side by side
| Rule | IMGPatriot International / America | Seven CornersTravel Medical / USA Visitor |
|---|---|---|
| Who can buy it | Most countriesNear-worldwide for Patriot travel medical (sanctions carve-outs). | Most countriesNear-worldwide, but the US-inbound plan cannot be sold to residents of Australia, Nigeria, Ghana and others; Green Card holders excluded. |
| Buy after you have left home | YesEligibility wording assumes you already departed your residence country on the effective date. | With conditionsPurchasable after arrival (reported); acute-onset benefit has a 7-day waiting period. |
| Maximum age | No capNo hard cap, but the overall limit steps down: 65–69 $50–100k, 70–79 $50k, 80+ $10,000. | 9914 days to 99 years on Visitor plans; pre-existing benefits end at 79. |
| One-way or open-ended trips | YesNo return-trip requirement found in the certificate. | With conditionsNo return requirement found on Travel Medical. |
| Longest trip | 12 months, renewable5 days–12 months; renewable to 24–36 months by plan. | 36 months, renewable5–364 days; USA Visitor Choice extendable to 1,092 days (3 years). |
| Pre-existing conditions | With conditionsExcluded, no screening, but acute onset covered under 70, and Visitors Protect covers gradually-worsening conditions. | With conditionsAcute onset: ≤69 up to $75k; 70–79 much lower; 80+ none. |
| Cover in the USA | YesPatriot America line exists specifically for non-US citizens visiting the USA. | YesFlagship USA Visitor line for non-US residents. |
| Schengen visa certificate | With conditionsMeets requirements; instant visa letter (reported). | With conditionsMarketed as satisfying Schengen requirements with visa letter (reported). |
| Winter sports | With conditionsAdventure Sports list excluded by default; optional rider buys some back. | With conditionsVia optional Adventure Activities rider. |
| Scuba diving | With conditionsVia Adventure Sports rider. | With conditionsRider covers scuba ≤30m certified. |
| High-altitude trekking | With conditionsMountaineering above 4,500m always excluded. | With conditionsCheck rider list. |
| Scooters and motorbikes | YesOrdinary riding not excluded (no helmet/licence/engine clause found); motocross and racing excluded. | With conditionsMotorcycles ≤250cc addressed via rider; verify plan documents. |
| Working abroad | With conditionsNo blanket occupational exclusion; workers'-comp claims excluded. Long-term workers → Global Medical. | With conditionsGroup channel for missionaries/volunteers exists. |
| Trip cancellation | NoNot in Patriot (interruption only); iTravelInsured for US residents. | With conditionsTrip Protection line for US residents only; CFAR optional. |
| Families | YesSpouse/child/grandchild on one application. | YesFamily policies and group plans. |
| No fixed country of residence | With conditionsKeyed to 'country of residence' declaration; nomad purchases common. | Not verifiedResidence declaration required. |
Both columns are generated from the same rule database the checker uses. Sources: IMG and Seven Corners, checked 2026-08-03.
Who each one suits
- IMG makes sense when you have already left home, or age is the constraint that usually blocks you.
- Seven Corners makes sense when you are comfortably under 99.
Both columns come from the same rule database the checker uses. Sources: IMG and Seven Corners, checked 2026-08-03.