Why buy IMG insurance through TaiAn? IMG is a worldwide leader in international medical insurance, and TaiAn is an IMG Endorsed Independent sales center with bilingual service.

What is Patriot Travel Medical insurance, and who can buy it? Patriot plans cover illness and injury while you travel outside your home country. There are three levels:

• Patriot Lite: America Lite for trips that include the U.S.; International Lite for trips outside the U.S.
• Patriot America Plus: for non-U.S. residents traveling to the U.S.
• Patriot Platinum: higher benefits, in America and International versions.

They suit visiting parents and relatives, short-term visitors and travelers between plans. They are not designed for students who need to meet school requirements; see our Student & Scholar plans instead.

How do I buy, and how fast will I get my documents? Compare and buy on our Travel Insurance page. IMG emails your ID card and visa letter within minutes of a successful application.

What if my payment is declined? Check your credit limit, call your bank to approve the charge, make sure the billing address matches your card statement, and sign with the cardholder's name. Then apply again.

How do I renew or extend? You'll receive renewal emails with a link before your policy ends. Maximum total coverage periods differ by plan; check your plan documents.

How do I get care when I'm sick? In the U.S., Patriot plans use the UnitedHealthcare Options network. Network providers often bill IMG directly. Carry your ID card. For a real emergency, go to the nearest emergency room.

Do I need to pre-certify? Yes, for hospital stays, surgery, CT scans, MRIs and similar major care. Start pre-certification from your MyIMG account.

How do I submit a claim? Submit an IMG claim form for every visit, even if the provider bills IMG. Create a MyIMG account to file and track claims.

Is there coinsurance? Are prescriptions covered? It depends on the plan level and where you receive care. Prescriptions for a covered illness or injury are covered subject to plan limits. See the plan brochure for exact terms, or ask us.

Are child checkups, vaccines, dental and vision covered? Routine checkups and vaccines are not covered. Emergency dental for injury or sudden pain is covered up to plan limits; routine dental and vision are not. For routine care, consider a Careington Dental and Vision discount plan.