Our Services
International Insurance Plans
Welcome to IMG®'s section of Coverage without Boundaries®! We know that the reasons to travel abroad are many and varied – that´s why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.
For your convenience and to assist you in determining which plan is right for you, simply use the scroll function to view each of the products or click on one of the specific product categories below to help narrow your search. You may also obtain more detailed plan information by clicking on the "Review Coverage" link associated with each product. Once you have determined which plan best fits your needs, click on the "Buy ..." link and you can complete the simple and easy-to-follow application.
Patriot Travel plans address the insurance needs of U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
There are two Patriot Travel plans that provide up to $1,000,000 of medical coverage. Patriot International® provides coverage for all residents traveling anywhere except the U.S. and Patriot America® provides coverage for non-U.S. residents traveling outside their home country.
In addition to medical benefits, the plans include coverage for medical evacuation, repatriation, and choice of deductibles and plan maximums. Coverage can be obtained from a minimum of five days up to two years
Global Medical Insurance offers worldwide coverage to a wide variety of international clientele, including expatriates, international executives, diplomats, students, entertainers and other international travelers. With Global Medical Insurance you have a choice of four plan options: Bronze, Silver, Gold, and Platinum. Simply choose one that best fits your needs. The Bronze starts at $1,000,000, Silver, and Gold plans provide $5,000,000 of lifetime coverage, while the Platinum plan provides $8,000,000. All four plans offer a full range of benefits suited for individuals and families.
There are two coverage area options: Worldwide and Worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Medical Insurance, you receive IMG’s commitment to deliver world class health benefits, medical assistance and total peace of mind.
Patriot PlatinumSM. provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum International® provides coverage for all residents traveling anywhere except the U.S. and Patriot Platinum America® provides coverage for non-U.S. residents traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.
Patriot Multi-Trip is designed for the executive that takes multiple trips throughout the year outside their home country. The plan provides coverage up to 30 or 45 days in length per trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.
Patriot Multi-Trip International® provides coverage for all residents traveling anywhere except the U.S. and Patriot Multi-Trip America® provides coverage for non-U.S. residents traveling outside their home country.
GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world. GEO Group assists employers to carve out their international employees to provide U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for employees and their families.
Patriot Group Travel plans address the insurance needs of groups of two or more who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
There are two Patriot Group Travel plans that provide up to $1,000,000 of medical coverage. Patriot Group International® provides coverage for all residents traveling anywhere except the U.S. and Patriot Group America® provides coverage for non-U.S. residents traveling outside their home country.
In addition to medical benefits, the plans include coverage for medical evacuation, repatriation, and choice of deductibles and plan maximums. Coverage can be obtained from a minimum of five days up to two years.
Patriot PlatinumSM Group. provides first-class protection for the discerning group of 2 or more who want to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum Group builds upon the Patriot Travel Group plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum International® Group provides coverage for all residents traveling anywhere except the U.S. and Patriot Platinum America® Group provides coverage for non-U.S. residents traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.
Patriot Multi-Trip Group is designed for groups of 2 or more that takes multiple trips throughout the year outside their home country. The plan provides coverage up to 30 or 45 days in length per trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.
Patriot Multi-Trip International® Group provides coverage for all residents traveling anywhere except the U.S. and Patriot Multi-Trip America® Group provides coverage for non-U.S. residents traveling outside their home country.
Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. A, F, J, M-1 or 2 visa travel insurance requirements. Its flexible plan design also provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S. citizens worldwide except in their home country and Europe to Europe.
Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed (without break in coverage) for a total of four years.
Student Health Advantage is designed for individuals or a group of students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for mental health, organized sports and international emergency care. It also provides coverage for pre-existing conditions after 12 months of coverage.
Sponsored groups of 2 or more
Student Health Advantage platinum provide enhanced benefits and is designed for individuals or a group of students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care. It also provides coverage for pre-existing conditions after 12 months of coverage.
Sponsored groups of 2 or more
International medical insurance for marine crew requires provisions not met by many companies. International Marine Medical Insurance (IMMI) was designed specifically to provide comprehensive medical insurance to marine crew by offering continuous coverage worldwide. IMMI provides $1,000,000 of coverage per certificate period with a full range of benefits. Group members will be covered worldwide, including their country of citizenship, 24 hours a day.
- Worldwide group coverage for professional marine crew
- $5,000,000 maximum benefit per insured person per period of coverage
- Primary to the vessel's Protection and Indemnity insurance (P&I)
- Coverage for individuals and dependents
- Optional Sports Expansion add-on coverage available
Global Crew Medical Insurance(GCMI) is a comprehensive and portable international medical insurance plan designed specifically for professional marine crew. GCMI can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your global health care benefits. The plan provides $5,000,000 of lifetime coverage with a full range of benefits and offers two options: worldwide coverage and worldwide coverage excluding the U.S. and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.
- Long-term (1+ year) worldwide medical insurance for marine captains & crew members
- Annually renewable medical coverage
- Deductible options from $100 to $25,000
- Maximum limits from $1,000,000 to $8,000,000
- Premium modes to schedule the frequency of payment that meets your needs
Patriot Travel plans address the insurance needs of U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
There are two Patriot Travel plans that provide up to $1,000,000 of medical coverage. Patriot International® provides coverage for all residents traveling anywhere except the U.S. and Patriot America® provides coverage for non-U.S. residents traveling outside their home country.
In addition to medical benefits, the plans include coverage for medical evacuation, repatriation, and choice of deductibles and plan maximums. Coverage can be obtained from a minimum of five days up to two years
Global Medical Insurance offers worldwide coverage to a wide variety of international clientele, including expatriates, international executives, diplomats, students, entertainers and other international travelers. With Global Medical Insurance you have a choice of four plan options: Bronze, Silver, Gold, and Platinum. Simply choose one that best fits your needs. The Bronze starts at $1,000,000, Silver, and Gold plans provide $5,000,000 of lifetime coverage, while the Platinum plan provides $8,000,000. All four plans offer a full range of benefits suited for individuals and families.
There are two coverage area options: Worldwide and Worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Medical Insurance, you receive IMG’s commitment to deliver world class health benefits, medical assistance and total peace of mind.
Patriot PlatinumSM. provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum International® provides coverage for all residents traveling anywhere except the U.S. and Patriot Platinum America® provides coverage for non-U.S. residents traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.
Patriot Multi-Trip is designed for the executive that takes multiple trips throughout the year outside their home country. The plan provides coverage up to 30 or 45 days in length per trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.
Patriot Multi-Trip International® provides coverage for all residents traveling anywhere except the U.S. and Patriot Multi-Trip America® provides coverage for non-U.S. residents traveling outside their home country.
GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world. GEO Group assists employers to carve out their international employees to provide U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for employees and their families.
Patriot Group Travel plans address the insurance needs of groups of two or more who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
There are two Patriot Group Travel plans that provide up to $1,000,000 of medical coverage. Patriot Group International® provides coverage for all residents traveling anywhere except the U.S. and Patriot Group America® provides coverage for non-U.S. residents traveling outside their home country.
In addition to medical benefits, the plans include coverage for medical evacuation, repatriation, and choice of deductibles and plan maximums. Coverage can be obtained from a minimum of five days up to two years.
Patriot PlatinumSM Group. provides first-class protection for the discerning group of 2 or more who want to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum Group builds upon the Patriot Travel Group plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum International® Group provides coverage for all residents traveling anywhere except the U.S. and Patriot Platinum America® Group provides coverage for non-U.S. residents traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.
Patriot Multi-Trip Group is designed for groups of 2 or more that takes multiple trips throughout the year outside their home country. The plan provides coverage up to 30 or 45 days in length per trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.
Patriot Multi-Trip International® Group provides coverage for all residents traveling anywhere except the U.S. and Patriot Multi-Trip America® Group provides coverage for non-U.S. residents traveling outside their home country.
Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. A, F, J, M-1 or 2 visa travel insurance requirements. Its flexible plan design also provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S. citizens worldwide except in their home country and Europe to Europe.
Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed (without break in coverage) for a total of four years.
Student Health Advantage is designed for individuals or a group of students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for mental health, organized sports and international emergency care. It also provides coverage for pre-existing conditions after 12 months of coverage.
Sponsored groups of 2 or more
Student Health Advantage platinum provide enhanced benefits and is designed for individuals or a group of students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care. It also provides coverage for pre-existing conditions after 12 months of coverage.
Sponsored groups of 2 or more
The information above is only a consolidated description of the current international insurance products and trip cancellation plans available through this website. Please refer to the Certificate Wording for the specific terms and conditions of each plan concerning eligible benefits, limitations, eligibility and exclusions. Certificate Wording is available upon request. Patriot Travel Medical Insurance, Patriot Group Travel Medical Insurance, Patriot Adventure, Patriot Executive, Sky Rescue, Global Medical Insurance, Patriot Green, Patriot Platinum, GEO Group, Patriot Exchange Program, Patriot Group Exchange Program and Student Health Advantage are administered by International Medical Group, Inc. and underwritten by Sirius International Insurance Corporation. Patriot T.R.I.P. and Patriot T.R.I.P. Student and Patriot T.R.I.P. Elite are private-label names for trip cancellation insurance and other travel related benefits and services made available by membership in the National Small Business Travel & Health Association. The program manager is iTravelInsured®, a wholly owned subsidiary of IMG. Patriot T.R.I.P. and Patriot Student T.R.I.P plans are administered by iTravelInsured and underwritten and offered where available by Delos Insurance. Patriot T.R.I.P. Elite is administered by iTravelinsured and underwritten and offered where available by Delos Insurance Company or Sirius International Insurance Corporation. IMG, International Medical Group, the IMG block design logo, Patriot T.R.I.P, Patriot T.R.I.P Elite, Patriot T.R.I.P. Student, Patriot Travel Medical Insurance, Patriot Green, Patriot Platinum, Patriot Adventure, Global Medical Insurance, Patriot Executive, GEO Group, Patriot Exchange Program, Patriot Group Exchange Program, Sky Rescue, Patriot Group Travel Medical Insurance, International Marine Medical Insurance, Global Crew Medical Insurance and Student Health Advantage are the trademarks, service marks and/or registered marks of International Medical Group, Inc. © Copyright 2010 International Medical Group, Inc. All Rights Reserved.
Financial Planning
We believe that life is more than a paycheck and our mission is to ease your worries and help you create a sound and stable financial strategy for your retirement.
As Part of The CNMA Multi-Insurance Agency process, we'll help you create a retirement income plan that balances:
- Daily Living Expenses
- Budgeting for Luxuries & Quality of Life
- Planning your Social Security Benefits for Maximum Results (Social Security can add $1M to your retirement fund)
- Factoring in Pensions Withdrawal Strategies
- Factoring in both Expected & Unexpected Medical Expenses
- Planning for the Unexpected and the Inevitable
One of the most imperative decisions you can make in regards to your retirement is when to start receiving your Social Security benefit.
There are pros and cons to delaying your benefit, as well as receiving it as soon as you become eligible - at age 62. We can help you navigate this process by showing you precisely what to do, and at what time, to maximize your Social Security Benefit.
Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?
We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions. We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.
At CNMA Multi-Insurance Agency you will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.
One overlooked aspect of estate planning, other than avoiding taxes, is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making its way through the courts, are all vital pieces of your plan. Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes.
WEALTH TRANSFER STRATEGY FOR ELIGIBLE FOREIGN NATIONALS
Leverage your cash assets by transferring a portion of your CD, Money Market, and/or Savings Accounts to a U..S. Indexed Universal Life Insurance Policy and realize the following advantages:
- Indexed Universal Life is a type of permanent life insurance policy that ties its cash accumulation to a stock market index. It allows the owner to allocate cash value amounts to either a fixed account or an equity index account. The policy offers a variety of well-known indexes, such as Nasdaq 100 or the S & P 500. They are less risky because no money is actually invested in equity positions. It builds cash values that the owner can borrow against, invest and cover increases in the cost of insurance, potentially eliminating out-of-pocket premium payments should the cash value exceed increases in the cost of insurance.
- By transferring an asset producing taxable income to an asset with tax-deferred growth with tax-favored withdrawals, you immediately eliminate the annual tax on the interest and considerably grow your non-taxable assets.
- Diversification of cash positions outside of the home country by owning a U. S. Life Insurance policy with cash build-up opportunities and tax-free death benefit larger than premiums paid. It provides a death benefit and cash value in U.S. dollars.
- Use of U. S. Life Insurance policy as the source of the children's inheritance by designating them as beneficiaries. The cash values can also be used to pay for children's higher education and other essentials that would require a large cash outlay at the time of need.
- The required single or multiple premiums would be paid in U. S. dollars drawn from U. S. based banks.
We believe that life is more than a paycheck and our mission is to ease your worries and help you create a sound and stable financial strategy for your retirement.
As Part of The CNMA Multi-Insurance Agency process, we'll help you create a retirement income plan that balances:
- Daily Living Expenses
- Budgeting for Luxuries & Quality of Life
- Planning your Social Security Benefits for Maximum Results (Social Security can add $1M to your retirement fund)
- Factoring in Pensions Withdrawal Strategies
- Factoring in both Expected & Unexpected Medical Expenses
- Planning for the Unexpected and the Inevitable
One of the most imperative decisions you can make in regards to your retirement is when to start receiving your Social Security benefit.
There are pros and cons to delaying your benefit, as well as receiving it as soon as you become eligible - at age 62. We can help you navigate this process by showing you precisely what to do, and at what time, to maximize your Social Security Benefit.
Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?
We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions. We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.
At CNMA Multi-Insurance Agency you will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.
One overlooked aspect of estate planning, other than avoiding taxes, is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making its way through the courts, are all vital pieces of your plan. Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes.
WEALTH TRANSFER STRATEGY FOR ELIGIBLE FOREIGN NATIONALS
Leverage your cash assets by transferring a portion of your CD, Money Market, and/or Savings Accounts to a U..S. Indexed Universal Life Insurance Policy and realize the following advantages:
- Indexed Universal Life is a type of permanent life insurance policy that ties its cash accumulation to a stock market index. It allows the owner to allocate cash value amounts to either a fixed account or an equity index account. The policy offers a variety of well-known indexes, such as Nasdaq 100 or the S & P 500. They are less risky because no money is actually invested in equity positions. It builds cash values that the owner can borrow against, invest and cover increases in the cost of insurance, potentially eliminating out-of-pocket premium payments should the cash value exceed increases in the cost of insurance.
- By transferring an asset producing taxable income to an asset with tax-deferred growth with tax-favored withdrawals, you immediately eliminate the annual tax on the interest and considerably grow your non-taxable assets.
- Diversification of cash positions outside of the home country by owning a U. S. Life Insurance policy with cash build-up opportunities and tax-free death benefit larger than premiums paid. It provides a death benefit and cash value in U.S. dollars.
- Use of U. S. Life Insurance policy as the source of the children's inheritance by designating them as beneficiaries. The cash values can also be used to pay for children's higher education and other essentials that would require a large cash outlay at the time of need.
- The required single or multiple premiums would be paid in U. S. dollars drawn from U. S. based banks.
Insurance Services
With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.
We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.
No one plans to get sick or hurt, but most people need medical care at some point.
Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.
If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.
This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Personal property coverage is the type of insurance that can help protect the items in your home, like your furniture.
Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them. We can also help insure your car, motorcycle, boat, or recreational vehicle.
With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.
We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.
No one plans to get sick or hurt, but most people need medical care at some point.
Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.
If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.
This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Personal property coverage is the type of insurance that can help protect the items in your home, like your furniture.
Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them. We can also help insure your car, motorcycle, boat, or recreational vehicle.
QUALITY PRODUCTS FROM EXCEPTIONAL COMPANIES:
