As is standard with most short-term medical insurance products, Patriot America, Patriot International and Patriot Executive are non-renewable. They can be rewritten, but begin a new deductible and pre-existing condition clause for each period of insurance. The ExPatriot Plus caters to the international traveler who may be unsure of their length of stay abroad. After a minimum initial term of at least three months, ExPatriot Plus is optionally renewable for up to 24 months of total coverage.

Expiration notices and new applications are sent to the insured for the Patriot International, Patriot America and Patriot Executive plans and renewal notices are sent to the insured for the ExPatriot Plus plan. These documents are sent to the insured at the address on the application, unless specified otherwise, 30 days prior to the termination date. For reissue of the Patriot International, Patriot America or Patriot Executive plans, or renewal of the ExPatriot Plus plan, the insured simply returns the appropriate premium and completed applications to IMG prior to termination.

Global Medical Insurance is annually renewable. Renewal notices are sent to the insured and broker 60 days prior to the termination date. The broker receives the renewal one week before the insured. The insured receives a package containing a cover letter explaining the renewal procedure, a form to renew the optional Term Life and Daily Indemnity plans and the Global Medical Insurance renewal form with premium information. Renewal premiums are based on the attained age of the insured and are consistent for everyone in the same class.

A 10 day grace period is given on all renewable products; premium and renewal forms received up to 10 days after the termination date will be processed as renewals.

Online Renewal: If a client's renewal date is within 60 days he/she may view renewal documents and complete and submit the renewal form electronically by going to www.imglobal.com, clicking on the "Current Clients" section, then clicking on "Renewal Information."

GEO Group is annually renewable. Renewal notices are sent to the broker and group at least 30 days prior to the termination date. The group receives a package containing the renewal proposal and a listing of all individuals currently on the plan.

At IMG we attempt to maintain premium levels as much as possible. Renewal changes reflect the availability of additional benefits, policy enhancements, increases in medical costs and possibly age band changes. IMG does not change renewal premiums on an individual basis or as a result of individual claim activity. Renewal premiums are the same for everyone in the same class.