IMG Patriot International and the Schengen visa insurance requirement
Read August 31, 2026: the certificate states emergency treatment, hospital charges, medical-evacuation return transport and return of mortal remains, valid worldwide outside the US and the residence country; Schengen is never named, limits are USD options, no whole-stay clause.
Where Certificate of Insurance 'Patriot International Lite' — the sample wording IMG links as 'Patriot International - Sample Insurance Contract' states each Article 15 requirement
States most — see notes
Read August 31, 2026: the certificate states emergency treatment, hospital charges, medical-evacuation return transport and return of mortal remains, valid worldwide outside the US and the residence country; Schengen is never named, limits are USD options, no whole-stay clause.
Certificate of Insurance 'Patriot International Lite' — the sample wording IMG links as 'Patriot International - Sample Insurance Contract' · version Version markers '02.10.26 v.01' and 'PATII (PGTII) 04.29.26'; Master Policy effective April 29, 2026; 35 pages, watermarked 'SAMPLE - For Inquiry Purposes Only'. Published sample wording, read as published August 31, 2026 — not an issued certificate. · checked on
| Requirement | What the policy document states | Where it says it |
|---|---|---|
| Art. 15(1) Urgent medical attention | “Emergency Treatment of an Injury or Illness, even if Hospital confinement is not required” | Certificate §F 'Eligible Medical Expenses' (1)(e), p. 15; the 'Emergency' definition turns on care needed 'if medical attention is not provided within twenty-four (24) hours' (p. 30) |
| Art. 15(1) Emergency hospital treatment | “daily room and board, nursing services, and Ancillary Services not to exceed the average semi-private room rate” | Certificate §F(1)(a), under 'Charges incurred at a Hospital for', p. 15; Benefit Summary rows 'Hospital Emergency Room' and 'Hospitalization / Room & Board', p. 2 |
| Art. 15(1) Repatriation for medical reasons | “Return ground and air transportation, upon medical release by the attending Physician, to […] the Insured Person's Country of Residence, at the Insured Person's option” | Certificate §L 'Emergency Medical Evacuation' (1)(c), p. 18; the ellipsis replaces 'the country where the evacuation initially occurred or'. The certificate's own term is evacuation, not Article 15(1)'s 'repatriation for medical reasons' (see notes) |
| Art. 15(1) Repatriation in the event of death | “the costs and expenses incurred to return the Insured Person's Mortal Remains to their Country of Residence” | Certificate §BB 'Return of Mortal Remains', p. 24; Benefit Summary, p. 4: 'Up to the Period of Coverage limit', local burial or cremation capped at $5,000 |
| Art. 15(3) Valid throughout all Schengen states | “Worldwide excluding the Insured Person's Country of Residence and the United States” | Benefit Summary, 'Area of Coverage', p. 1 — an area containing every Schengen state for an applicant residing outside the Schengen area; the word Schengen appears nowhere in the certificate (see notes) |
| Art. 15(3) Entire stay · minimum €30,000 | Amount: “Through age 64: $50,000, $100,000, $500,000 or $1,000,000” | Amount: Benefit Summary, 'Period of Coverage limit — As indicated on the Declaration', p. 1; §C(14) 'Applicable Currency', p. 11: all limits and amounts 'are in USD (United States Dollars)' |
Deductible, refunds and certificate delivery
- Excess / deductible
Selectable at purchase, in USD: the Deductible is 'as selected on the Application and specified in the Declaration' (definition, p. 30), with Benefit Summary options running from $0 to $2,500 per Insured Person (p. 1); IMG's plan description confirms 'Deductible options from $0 to $2,500' (read August 31, 2026). Above the Deductible the plan states 'Plan pays 100%', 'Insured pays 0%', out-of-pocket maximum $0 (p. 1). Urgent Care and Walk-in Clinic visits carry $25 and $15 copayments; 'Copayment is not applicable if the Declaration states a $0 Deductible' (p. 2).
- Refund if the visa is refused
Not stated as a refund ground. The certificate's cancellation clause grants a full refund only within a three-day 'Review Period' from the Initial Effective Date (§C(13), p. 10). After it, with no claims filed, 'a cancellation fee of fifty dollars ($50.00 USD) will be charged, regardless of the reason for cancellation' and 'only Premium covering time periods after the requested cancellation date are refundable'; once a claim is filed the Premium 'is fully earned and is non-refundable' (p. 11). Visa refusal appears nowhere in the certificate, the plan description or IMG's FAQ — all read August 31, 2026.
source: Certificate §C(13) 'Cancellation by Insured Person', pp. 10-11; purchase.imglobal.com/PlanDescription/PATRIOT and imglobal.com/faq checked the same day for a visa-refusal ground: none published
- Certificate delivery
The certificate describes itself as 'an outline and evidence of eligible coverages and benefits payable' and states 'This Certificate is not part of the insurance contract.' (§B, p. 7; definition, p. 29); the Declaration issued with it is the document 'evidencing the Insured Person's insurance coverage' (definition, p. 30). IMG's FAQ states: 'IMG will process your application and send your ID card and other documents within one business day' (imglobal.com/faq, read August 31, 2026). Neither the certificate, the plan description nor the FAQ mentions a visa letter or an embassy-facing certificate.
- Notes
Naming: IMG's plan description sells this cover as 'Patriot International®' and links this document as 'Patriot International - Sample Insurance Contract'; the certificate itself is titled 'Patriot International Lite', and its figures match the plan description exactly ($50,000-$1,000,000 options, deductibles $0-$2,500, 'Renewable up to 24 months'). Patriot International Platinum is a separate document, not read for this row. Roles per the document: the Company 'is SiriusPoint Specialty Insurance Corporation, located at One World Trade Center, 47th Floor, New York, NY 10007' (definition 'Company', p. 29; Agreement §B, p. 7); International Medical Group, Inc. is Plan Administrator (p. 33); the back cover prints 'Plan Administered by' IMG and 'Plan Underwritten by' SiriusPoint. US surplus-lines product: persons insured by surplus lines carriers 'do not have the protection of state Insurance Guaranty laws' (§B, p. 7), and the cover notice states this insurance 'is not subject to, and does not provide benefits required by, PPACA'. Not found — duration: no clause requires the certificate to span the whole intended stay. The buyer sets the dates on the Declaration; 'The Period of Coverage can be no less than five (5) days and no more than twelve (12) consecutive months.' (definition, p. 33), renewable 'until reaching a maximum of twenty-four (24) continuous months' (§C(21), p. 12), and coverage terminates early on 'the date the Insured Person returns to their Country of Residence' (§C(20)(g), p. 12). Amount caveat: the overall limit is a purchase-time choice and age-tiered — 'Ages 65 through 69: $50,000 or $100,000', 'Ages 70 through 79: $50,000', 'Ages 80 and older: $10,000' (p. 1) — all in USD (§C(14), p. 11). The certificate prints no EUR figure and never references Article 15(3)'s EUR 30,000 minimum; CoverMandate does not convert currencies, so whether a given certificate meets that minimum depends on the option bought and on the assessing consulate's conversion. The amount_value cell is left empty for that reason: the document states no single amount. Territory caveat: the stated area contains every Schengen state only for an applicant whose Country of Residence lies outside the Schengen area; charges in the residence country and 'within the United States' are excluded (exclusions (53) and (54), p. 28), with US treatment limited to 14-day incidental benefits (§§N-O, p. 20). Evacuation wording: Article 15(1) says 'repatriation for medical reasons'; this certificate covers the equivalent as 'Emergency Medical Evacuation' with return transport home at the insured's option (§L(1)(c), p. 18), 'Approved in advance and coordinated by the Company', maximum limit $1,000,000 (Benefit Summary, p. 3); evacuation arising from an acute onset of a pre-existing condition is capped at $25,000 and limited to insureds under 70 (p. 2). Inpatient hospitalization requires pre-certification; for an emergency admission 'Pre-certification must be completed within forty-eight (48) hours after the admission' (§E(4), p. 15), and non-compliance reduces eligible expenses by 50% (Benefit Summary, p. 1). Eligibility (§D, p. 14): on the effective and renewal dates the insured 'must have legally departed the Country of Residence and legally entered the Destination Country'. Benefit Period: 'Charges incurred in the United States are not eligible for coverage during the Benefit Period' (p. 1). Neither the word Schengen nor the word visa appears anywhere in the certificate — every page (1-35 plus covers) read August 31, 2026. The public PDF is sample wording marked 'For Inquiry Purposes Only'; we verified the published sample, not an issued certificate.
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Questions about IMG Patriot International
Does IMG Patriot International state the EUR 30,000 Schengen minimum?
No. The certificate prints only USD limits, chosen at purchase and age-tiered: 'Through age 64: $50,000, $100,000, $500,000 or $1,000,000', down to '$10,000' at ages 80 and older (Benefit Summary, p. 1), with all amounts 'in USD (United States Dollars)' (§C(14), p. 11). Neither a EUR figure nor the word Schengen appears anywhere in the document, read August 31, 2026.
Is IMG Patriot International valid in every Schengen state?
The Area of Coverage is 'Worldwide excluding the Insured Person's Country of Residence and the United States' (Benefit Summary, p. 1, read August 31, 2026) — an area that contains every Schengen state for an applicant living outside the Schengen area. The certificate never uses the word Schengen, and charges in the residence country and the United States are excluded (p. 28).
Does IMG Patriot International refund the premium if the visa is refused?
The certificate names no visa-refusal ground (read August 31, 2026). A full refund exists only within a three-day 'Review Period' after the Initial Effective Date; after that, 'a cancellation fee of fifty dollars ($50.00 USD) will be charged, regardless of the reason for cancellation', only premium for periods after the cancellation date is refundable, and nothing is refundable once a claim is filed (§C(13), pp. 10-11).
Which document did CoverMandate read for IMG Patriot International?
The sample Certificate of Insurance titled 'Patriot International Lite' — version markers 02.10.26 v.01 and PATII (PGTII) 04.29.26, Master Policy effective April 29, 2026, 35 pages, underwritten by SiriusPoint Specialty Insurance Corporation — published on imglobal.com and linked from IMG's plan description as 'Patriot International - Sample Insurance Contract'. Every page read August 31, 2026.