Visas · insurer fileIMG
IMG eligibility rules
The long-haul workhorse, renewable to 36 months, no hard age cap. Every row below is taken from IMG's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Most countries | Near-worldwide for Patriot travel medical (sanctions carve-outs). | verified |
| No fixed country of residence | With conditions | Keyed to 'country of residence' declaration; nomad purchases common. | partly |
| Buying after you have left home | Yes | Eligibility wording assumes you already departed your residence country on the effective date. | verified |
| Maximum age | No stated cap | No hard cap, but the overall limit steps down: 65–69 $50–100k, 70–79 $50k, 80+ $10,000. | verified |
| One-way and open-ended trips | Yes | No return-trip requirement found in the certificate. | partly |
| Longest trip | 12 months, renewable | 5 days–12 months; renewable to 24–36 months by plan. | verified |
| Pre-existing conditions | With conditions | Excluded, no screening, but acute onset covered under 70, and Visitors Protect covers gradually-worsening conditions. | verified |
| Cover in the USA | Yes | Patriot America line exists specifically for non-US citizens visiting the USA. | verified |
| Schengen visa certificate | With conditions | Meets requirements; instant visa letter (reported). | partly |
| Winter sports | With conditions | Adventure Sports list excluded by default; optional rider buys some back. | partly |
| Scuba diving | With conditions | Via Adventure Sports rider. | partly |
| High-altitude trekking | With conditions | Mountaineering above 4,500m always excluded. | verified |
| Scooters and motorbikes | Yes | Ordinary riding not excluded (no helmet/licence/engine clause found); motocross and racing excluded. | verified |
| Working abroad | With conditions | No blanket occupational exclusion; workers'-comp claims excluded. Long-term workers → Global Medical. | verified |
| Trip cancellation | No | Not in Patriot (interruption only); iTravelInsured for US residents. | verified |
| Families | Yes | Spouse/child/grandchild on one application. | verified |
Who underwrites it
SiriusPoint Specialty Insurance Corporation. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to IMG. That is disclosed on every link, and it never changes where they appear or in what order. Per-sale, rates unpublished; no minimum payout threshold.
Sources: imglobal.com, imglobal.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.