Patriot annual travel Insurance, IMG Annual Multi-Trip travel medical insurance for business travelers

Patriot Annual Multi-Trip Insurance

Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year. Patriot Multi Trip International offers medical coverage for US citizens who take multiple trips outside the US in a year. Patriot Multi Trip America covers non US Citizens travelling multiple times annually outside their home country. Travellers have domestic health insurance policy while being covered under this plan.It offers coverage for sudden and unexpected recurrence of pre-existing conditions up to 79 years.

Key Benefits of Patriot Annual Multi-Trip insurance

Pre-existing conditions

Identity theft

Emergency medical evacuation

Hospital indemnity

Emergency Room

Sports Rider

Patriot Annual Multi-Trip insurance Reviews

Policy maximum
$1M Age 70-79 years : $50k

Deductible options
$250

Insurance provider
International Medical Group

Patriot Multi-Trip underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Plan life - 12 months.
Patriot Multi-Trip Insurance can be renewed online up to 36 months.

Coinsurance of IMG Patriot Multi-Trip

In Network - The plan pays 100%

100%

Out of Network

80%

The plan pays 80% of eligible expenses up to $1,000, then 100% up to the Maximum Limit.

Patriot Multi-Trip Links

Brochure
Benefits
Claims
Comprehensive
Comprehensive Plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Patriot Annual Multi-Trip Insurance - Key Highlights

Patriot travel insurance plan provides a policy maximum of $1000,000 and for people in the age range of 70-79, the plan provides $50,000 This per-sickness and injury plan provides a deductible option of $250.
This visitors insurance plan has a maximum lifetime of 12 months to continuous 36 months and is renewable online. One plan period cannot exceed 12 months.
Coverage for multiple trips up to 30, 60, or 90 days.
Flexibility to travel as many times per year.
For treatment outside the US and Canada, there is no co-insurance applicable, however for treatment inside the US and Canada, within the PPO network, the plan pays 90% up to $5000 after which 100% is covered. For out-of-PPO network coverage inside the US and Canada, the plan pays 80% up to $5000 after which it pays 100%.
For sudden recurrence of a pre-existing condition, medical coverage of up to $5000 per period of coverage is available.

International Medical Group Patriot Multi-Trip travel insurance summary

Eligibility to buy Patriot Multi-Trip insurance

US Citizens under 76 years of age travelling outside United States.
Non US Citizens under 76 years of age travelling outside their home country.
The applicants must have a domestic health insurance policy and must maintain the domestic coverage while covered under Patriot Multi-Trip Insurance.
The applicants must travel frequently outside their home country annually.

Patriot Multi-Trip insurance optional riders

Adventure Sports Rider
Chaperone/Faculty Leader Replacement Rider
Accidental Death & Dismemberment
Bolt Device Protection (Cellular Phone Rider)
Trip Cancellation, Interruption and Travel Delay Rider

Click here to read more

Patriot Multi-Trip insurance Documents

Patriot Multi-Trip insurance renewability

The annual plan is renewable up to a total 36 months and is available for U.S. and Non-U.S.citizens who are younger than age 80.

Patriot Multi-Trip - PPO network

Patriot Multi-Trip - Provider network and how to find hospital or doctor?

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Get quotes for Patriot Multitrip travel insurance!

Review and compare the best Patriot Multitrip visitor medical insurance quotes.

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Plan benefits of Patriot Multitrip insurance

Hospital room and board	Average semi-private room rate, including nursing services
Intensive care unit	Up to maximum limit.
Hospital indemnity	$250 per overnight inpatient hospitalization, maximum limit of 10 overnights. Not subject to deductible.
Eligible medical expenses	Up to the maximum limit

Urgent Care Clinic	$25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Physician visits	Up to the maximum limit
Radiology / X-ray	Up to the maximum limit
Walk-In Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory	Up to the maximum limit
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Physical Therapy	Up to the maximum limit (Medical order or treatment plan required)
Pre-Admission Testing	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Prescription Drugs and Medications	Through age 65 Maximum Limit: $250,000 per period of insurance Ages 66 to 79 Maximum Limit: Up to the period of coverage limit
Reconstructive Surgery	Up to the maximum limit
Chiropractic Care	Up to the maximum limit
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Extended Care Facility	Up to the maximum limit
Home Nursing Care	Up to the maximum limit

Emergency local ambulance	Up to the maximum limit
Hospital emergency room	Inside the U.S::Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit Outside the U.S: Up to the maximum limit
Interfacility ambulance transfer	Company pays 100% (transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission)
Emergency Room Accident	Up to the maximum limit
Emergency Eye Examination	$150 maximum limit. $50 deductible per occurrence.

Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.

Emergency medical evacuation	Through age 65 maximum limit: Up to the period of coverage limit Ages 66 to 79 maximum limit: $50,000 Not subject to deductible
Emergency reunion	Up to $50,000 for a max of 15 days
Return of mortal remains or cremation/burial	$100,000 maximum limit. Not subject to deductible. 15 day maximum.
Return of minor children	$100,000 maximum limit. Not subject to deductible.
Political evacuation and repatriation	$100,000 maximum limit. Not subject to deductible.
Natural disaster evacuation	$25k maximum limit. Not subject to deductible
Remote Transportation	$20,000 maximum limit
Return of Mortal Remains or Cremation/Burial	Up to the maximum limit

Identity theft	Up to $500. Not subject to deductible.
Terrorism	Terrorism Coverage: Up to $50,000 lifetime maximum
Lost luggage	Maximum Limit per item $150, $500 maximum limit. Not subject to deductible or coinsurance.
Return Travel	$10,000 maximum limit. Not subject to deductible or coinsurance.
Pet Return	$1,000 maximum limit. Not subject to deductible or coinsurance.
Personal Liability	$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible or coinsurance.

Sudden and Unexpected Recurrence of a Pre-Existing Condition	Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (for U.S. citizens only): up to $5,000 maximum, per insured person, per period of coverage (not per trip)

Accidental death & dismemberment	$50,000 principal sum. Not subject to deductible.
Common carrier accidental death	$50,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible.
Sports & Activities Coverage	$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible or coinsurance.

Patriot Multi-Trip Insurance Optional Riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

Age	Maximum limit
0-49 years	$50k certificate period
50-59 years	$30k certificate period
60-64 years	$15k certificate period

Adventure Sports Rider - More Details

Available in select countries on individual plans only

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Rider option is available on individual plans only.

While Patriot Multi-Trip provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage up to $25,000 for medical evacuations if you experience a sudden, non-life-threatening medical condition that requires hospitalization. IMG will arrange and cover ground and air transportation to the nearest hospital capable of providing treatment.

Evacuation Plus Rider
Non-Life-Threatening Medical Evaluation	Up to a maximum of $25,000

Note: Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in whole-month increments.

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Telehealth Rider	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc registration instructions - More Details

Patriot Multi-Trip Insurance Restrictions

Patriot Multi-Trip Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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Patriot Multi-Trip Insurance - Common Questions

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Patriot Multi-Trip Claims Information

Download Patriot Multi-Trip claims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
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