Patriot Multi-Trip Annual Travel Insurance
shopping_cart Buy OnlinePatriot Multi-Trip Annual Travel Insurance is designed for travelers who take multiple international trips throughout the year. Medical emergencies can happen unexpectedly, and even a single hospital visit overseas can result in significant medical expenses. Instead of purchasing a new travel insurance policy every time you travel, an annual multi-trip plan provides coverage for eligible trips throughout the year under one policy.
It can be a convenient option for frequent travelers, business professionals, consultants, expats, and anyone who travels internationally more than once a year. Purchase your plan once and avoid the hassle of applying for separate coverage before each trip, while enjoying travel medical protection throughout the policy period. Patriot Multi-Trip Annual Travel Insurance starts at $282 per year, providing an affordable way to maintain travel medical coverage for multiple trips during the year.
What Is Patriot Multi-Trip Annual Travel Insurance?
If you travel internationally two or more times a year, purchasing a separate travel insurance policy for every trip can be time-consuming and expensive. Patriot Multi-Trip Annual Travel Insurance provides a convenient alternative by offering coverage for multiple eligible trips during a 12-month policy period.
Instead of buying a new policy each time you travel, you purchase one annual plan and can take multiple trips throughout the year, subject to the maximum trip duration selected. Depending on the plan option, each trip can typically be covered for up to 30, 60, or 90 days.
Available to travelers of all nationalities, this Patriot Annual Travel Insurance on American Visitor Insurance is designed for frequent international travelers who want the convenience of arranging travel medical coverage once for multiple trips. It offers coverage for sudden and unexpected recurrence of pre-existing conditions up to 79 years.
After buying the plan, Traveler can get the Patriot Annual Multi-Trip insurance id card and all the plan documents by using Patriot Annual Multi-Trip Customer Portal. At American Visitor Insurance, USA Travelers can contact the Patriot Annual Multi-Trip insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you.
Who Is Patriot Multi-Trip Annual Travel Insurance For?
Travel internationally two or more times a year for business, leisure, or family visits.
Business professionals who travel internationally frequently.
Regularly travel between two countries or multiple destinations.
Want to avoid purchasing a new travel insurance policy before every trip.
Prefer the convenience of one annual plan for multiple eligible trips.
For professionals who travel frequently for meetings, conferences, projects, or client visits, multi-trip insurance for business travelers can simplify the process of arranging travel medical coverage.
Occasional travelers taking only one trip a year, or anyone taking a single trip longer than 90 days - see Patriot America Plus or Patriot Platinum for single-trip travel insurance options.
What Is the Maximum Coverage Amount for Patriot Annual Travel Insurance?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Patriot Annual travel insurance. Once reached, no other benefits will be available. Patriot Annual travel insurance has policy maximum options of $1,000,000.
What Is a Deductible in Patriot Annual Travel Insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Patriot Annual travel travel insurance actually starts to pay. Patriot Annual travel insurance has deductible options of $250.
What Is a Coinsurance in Patriot Annual Travel Insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Patriot Annual travel insurance pays 100%. And Outside the PPO Network the plan pays 80% of eligible expenses up to $1,000, then 100% up to the maximum Limit.
Why Should I Buy Patriot Annual Travel Insurance?
Sudden and Unexpected Recurrence of Pre-existing Conditions is covered up to $5,000 maximum limit.
Identity theft condition covered up to $5,000.
Emergency medical evacuation covered up to policy maximum.
Coverage for multiple trips up to 30, 60, or 90 days.
Visitors insurance plan has a maximum lifetime of 12 months to continuous 36 months.
Who Is Eligible for Patriot Annual Travel Insurance?
- check_circleUS Citizens under 79 years of age travelling outside United States.
- check_circleNon US Citizens under 79 years of age travelling outside their home country.
- check_circleThe applicants must have a domestic health insurance policy and must maintain the domestic coverage while covered under Patriot Multi-Trip Insurance.
- check_circleThe applicants must travel frequently outside their home country annually.
IMG visitor insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
What Are the Benefits of Patriot Annual Travel Insurance?
| Hospital Room and Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| 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 |
| 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. |
| 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 |
| 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 |
| 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 |
| Political Evacuation and Repatriation | $100,000 maximum limit. Not subject to deductible. |
| Terrorism | Terrorism Coverage: Up to $50,000 lifetime maximum |
| Natural Disaster Evacuation | $25,000 maximum limit. Not subject to deductible |
| Return of Mortal Remains or Cremation/Burial | Up to the maximum limit. Not subject to deductible or coinsurance |
| Emergency Reunion | $100,000 maximum limit. Not subject to deductible or coinsurance. 15 day maximum. |
| 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. |
| Remote Transportation | $20,000 maximum limit |
| Return of Minor Children | $100,000 maximum limit. Not subject to deductible. |
| Identity Theft | Up to $500. Not subject to deductible. |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible. |
| 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. |
| Pet Return | $1,000 maximum limit. Not subject to deductible or coinsurance. |
| Return Travel | $10,000 maximum limit. Not subject to deductible or coinsurance. |
| Lost Luggage | Maximum Limit per item $150, $500 maximum limit. 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) |
How Much Does Patriot Multi-Trip International Insurance Cost?
The Patriot Multi-trip international insurance cost per month is starting at just $282 to $564 and the cost depends on:
- Plan limit selected - the higher the plan limit, the higher will be the premium
- Deductible amount - the higher the deductible the lower will be the premium
- Trip duration - 30, 60, or 90 day trip durations affect the total cost
For frequent travelers, annual travel medical insurance can be a convenient alternative to purchasing separate coverage for every international trip.
What Are the Optional Benefits Included in Patriot Annual Travel Insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Patriot Multi-Trip Insurance Adventure Sports Rider
Adventure Sports Rider is available for individuals up to 64 years of age.
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.
This plan covers any illness or injury sustained while participating in adventure activities. The covered adventure sports include: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.
Evacuation Plus Rider
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.
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.
Mobile Device Protection
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Teladoc Rider
Inpatient or Outpatient Services:
- Applicable only in the United States.
- Mental or Nervous Disorders are not covered.
- Coverage for a Teladoc Consultation is not a guarantee of benefits.
- The company reserves the right to deny future claims for any condition discussed, raised, or identified during a Teladoc consultation, if it falls under an exclusion in the Certificate of Insurance.
When Is a Single-Trip Plan a Better Option?
A single-trip travel insurance plan may be more suitable if:
- check_circleYou are taking only one international trip during the year
- check_circleYour planned trip is longer than the maximum duration allowed for an annual plan
- check_circleYou do not expect to travel internationally often enough to benefit from a multi-trip plan
What Am I Actually Paying For?
Your Patriot Multi-Trip premium covers more than just emergency medical insurance. It also includes IMG’s Travel Assistance Services, which can help you while you’re traveling abroad.
These services provide access to 24/7 assistance for situations such as finding medical providers, coordinating emergency medical evacuation, and getting help with the claims process. The insurance coverage and included assistance services are part of your policy premium, so you don’t pay a separate fee for these basic assistance services.
What Is a PPO Network in Patriot Annual Travel Insurance?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Patriot Annual travel insurance PPO Network is United Healthcare network. Outside the U.S., travelers have access to IMG's own proprietary International Provider Access (IPA) network, covering over 18,550 physicians and facilities worldwide with direct billing arrangements.
Why Buy Patriot Multi-Trip Through American Visitor Insurance?
- check_circle Choosing annual travel insurance is about more than finding the lowest price. You also want to understand what your policy covers and have access to help when you need it.
- check_circle Licensed & Trusted Platform: American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering a reliable and secure platform to compare and buy the best Patriot Multi-Trip annual travel insurance.
- check_circle Experienced Customer Support: At American Visitor Insurance, our licensed insurance agents can help you understand important details such as deductibles, coinsurance, coverage limits, and policy exclusions before you purchase.
- check_circle Guidance Tailored to Your Situation: Because coverage and policy terms can vary based on your state of residence and plan eligibility, we help you identify the policy documents and terms that apply to your specific situation. That way, you can make an informed decision based on the actual coverage, not just the information shown on a marketing page.
Patriot Multi-Trip Annual Travel Insurance - Illustrative Traveler Examples
The following examples are fictional and are intended only to illustrate how Patriot Multi-Trip Annual Travel Insurance may fit different types of frequent international travelers. Actual coverage is subject to the plan terms, conditions, exclusions, limitations, and eligibility requirements.
A business consultant traveling overseas for a client meeting slips and fractures his wrist. He visits a local hospital for X-rays, treatment, and follow-up care. With Patriot Multi-Trip travel insurance for business travelers, eligible emergency medical expenses resulting from a covered accident may be covered according to the plan's terms, deductible, and coverage limits. IMG's travel assistance services can also help him locate medical care while abroad.
A traveler visiting her children and grandchildren overseas develops severe abdominal pain and needs urgent hospital treatment. Patriot Multi-Trip annual travel medical insurance may cover eligible emergency medical expenses for a new illness that occurs during a covered trip, subject to the policy terms and exclusions. The travel assistance service can also help her find an appropriate medical provider.
A traveler becomes seriously ill while visiting a remote destination where appropriate treatment is not available locally. If the situation meets the policy requirements, Patriot Multi-Trip emergency medical evacuation coverage may help cover eligible evacuation expenses when medically necessary and authorized under the plan. IMG's assistance team can help coordinate the evacuation with medical providers.
A traveler develops a sudden illness during a trip in March and later requires emergency treatment after an accident during another international trip in October. With Patriot Multi-Trip annual travel insurance, the traveler can have coverage for multiple eligible trips during the 12-month policy period instead of purchasing separate coverage for each trip. Each claim remains subject to the applicable deductible, coverage limits, exclusions, and other policy terms.
A traveler regularly moves between their home country and another country, making several international trips each year. Patriot Multi-Trip insurance for frequent travelers can provide a convenient alternative to buying a new travel medical policy before every departure. Coverage applies to eligible trips during the policy period, subject to the maximum trip duration selected.
A retiree takes several international vacations and family visits throughout the year and does not want to arrange separate insurance for every departure. Patriot Multi-Trip unlimited trips travel insurance allows multiple eligible trips during the 12-month policy period, while each individual trip remains subject to the maximum trip duration allowed under the plan.
During a short international vacation, a traveler develops a sudden infection and needs to see a doctor and obtain prescribed treatment. Patriot Multi-Trip annual travel medical insurance may cover eligible medical expenses for a covered illness, subject to the policy terms, exclusions, deductible, and coverage limits. For someone who travels internationally several times a year, this can provide the convenience of arranging coverage through one annual plan.
Patriot Multi-Trip Annual Travel Insurance - FAQs
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How Do I File a Claim With Patriot Annual Travel Insurance?
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