KARSTENS FINANCIAL LLC
Telephone: 855-657-8400
Email Address: jake@karstensfinancial.com
Web site: www.karstensfinancial.com
Patriot Lite Travel Medical Insurance Brochure

Patriot Lite Travel Medical InsuranceSM

Individual & family – Short-term coverage available from five days up to two years.

Highlights

  • Travel medical insurance for individuals, families, and groups
  • Coverage for medical expenses, evacuation, and repatriation
  • Renewable up to 24 months
  • Coverage for acute onset of pre-existing conditions
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iTravelInsured Choice Brochure

iTravelInsured® Choice

Highlights

  • Trip cancellation benefit up to 100% of trip cost
  • Trip interruption benefit up to 150% of trip cost
  • 24/7 access to telehealth services for non-emergency medical issues
  • $100,000 medical expense coverage for unexpected illnesses & accidents while traveling (Primary coverage)
  • Travel protection plan consists of travel insurance and other non-insurance travel assistance service
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iTravelInsured Travel Insurance Brochure

iTravelInsured - Travel Insurance

Highlights

  • Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
  • Travel insurance program for trips up to 180 days
  • Standard Coverage for trip cancellation and interruption
  • Emergency medical expense, evacuation, and reunion benefits
  • Three product options for varying levels of coverage
Patriot America Plus

Patriot America® Plus

Short-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years

Highlights

  • COVID-19 coverage for travelers to the U.S.
  • Coverage for non-U.S. residents traveling to the USA
  • Coverage for acute onset of pre-existing conditions
  • Renewable up to 24 months
  • Maximum Limits from $10,000 to $1,000,000
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Global Medical Insurance

Global Medical Insurance®

Individual & family – Flexible long-term annually renewable plan.

Highlights

  • Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families
  • Annually renewable medical coverage
  • Deductible options from $100 to $25,000
  • Maximum limit options from $1,000,000 to $8,000,000
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Patriot Platinum Travel Medical InsuranceSM

Individual & family – First-class short-term coverage available from five days up to three years.

Highlights

  • 24/7 access to telehealth providers for non-emergency care
  • Medical coverage for unexpected illnesses & accidents up to policy maximum
  • COVID-19 covered same as any other illness
  • Maximum limits from $2,000,000 to $8,000,000
  • Emergency medical evacuation coverage up to policy maximum
  • Access to Travel Intelligence App for location-specific alerts & information
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GEO Group

GEOSM Group

Groups of two or more members - Long-term annually renewable employer sponsored group insurance.

Highlights

  • Employer-sponsored group health insurance for internationally assigned employees
  • Life, dental and daily indemnity coverage
  • Full group takeover and replacement provision
  • COBRA and HIPAA like options
  • Enhanced benefit option for U.S.-based employers
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Patriot Multi-Trip Travel Medical Insurance

Patriot Multi-TripSM

Individual & family - Short-term coverage available up to three years for travelers who take frequent trips throughout the year.

Highlights

  • Annual multi-trip travel medical insurance for individuals, families and groups
  • Deductible of $250
  • Maximum limit of $1,000,000
  • Coverage for multiple trips up to 30, 60, or 90 days
  • Flexibility to travel as many times per year
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GlobeHopper Senior Insurance

GlobeHopper® Senior

Individual & spouse – Short-term travel medical insurance for travelers age 65+

Highlights

  • Travel medical insurance for travelers age 65+
  • GlobeHopper Senior Single-Trip is extendable up to 12 months
  • Deductible options from $0 to $2,500
  • Maximum limits from $50,000 to $1,000,000
  • Two plan designs – Single-Trip and Multi-Trip
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Patriot Exchange

Patriot Exchange ProgramSM

Individual or groups of five or more members - Short-term coverage available from one month up to four years for educational and cultural exchange programs.

Highlights

  • Medical insurance for students studying abroad or participants of cultural exchange programs
  • Deductible options from $0 to $100
  • Maximum limit $5,000,000
  • Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements
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Student Health Advantage

Student Health AdvantageSM

Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs.

Highlights

  • Medical insurance for international students or scholars participating in a sponsored study abroad program
  • Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
  • Deductible of $100
  • Maximum limit for student: $500,000
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Student Health Advantage Platinum

Student Health AdvantageSM Platinum

Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs.

Highlights

  • Medical insurance for international students or scholars participating in a sponsored study abroad program
  • Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
  • Maximum limit for student: $1,000,000
  • Provides coverage for mental health, organized sports and pre-existing conditions
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International Marine Medical Insurance

International Marine Medical InsuranceSM

Groups of two members or more members - Long-term annually renewable group insurance for professional marine crew.

Highlights

  • 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
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This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition. This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by of International Medical Group, Inc. and its representatives throughout the world. © 2007-2018 International Medical Group, Inc. All rights reserved. Privacy