What is Patriot Multi Trip Group insurance?
- Patriot Multi Trip Group Insurance offers medical insurance coverage for groups of travelers taking multiple trips in a year. Patriot Multi Trip Group International covers groups of US citizens who take multiple trips outside the US in a year. Patriot Multi Trip Group America covers groups of non US Citizens travelling multiple times annually outside their home country.
- Ideal Plan for these group:
- Groups of people under 76 who are covered by an individual or group medical plan, and travel outside their home country frequently throughout the year.
After buying the plan, Traveler can get the Patriot Multi Trip Group insurance id card and all the plan documents by using Patriot Multi Trip Group Customer Portal. At American Visitor Insurance, USA Travelers can contact the Patriot Multi Trip Group insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
IMG Patriot Multi Trip Group Insurance Reviews
What is a Coinsurance in Patriot Multi Trip Group insurance?
What are the key highlights of Patriot Multi Trip Group insurance?
- This group plan is available for a group of five or more under the age of 79.
- The Multi-Trip plan is available for US citizens traveling outside of the US and Non-US citizens traveling outside their home country.
- People purchasing this plan should have a current individual or group medical insurance plan.
- The Plan provides a policy maximum of $1,000,000 in medical coverage.
- For people aged 70 -79, the plan provides a policy maximum of $50,000.
- A per-injury sickness deductible of $250 is available on the plan for each sickness.
- No co-insurance is applicable for treatment received outside of the US
- For treatments received within the US, within the PPO network, the plan pays 90% of eligible expenses up to $5000 and after which the plan pays 100% up to the maximum limit. For Out of the network, the plan pays 80% of eligible expenses up to $1000 and after which the plan pays 100% up to the maximum limit.
- Sudden and unexpected recurrence of pre-existing condition-medical is covered up to $5000 per period of coverage.
Who is eligible for Patriot Multi Trip Group insurance plan?
- For US citizens under 80 years of age and traveling outside the United States frequently throughout the year, must currently have a domestic health insurance policy.
- For Non-US citizens under 80 years of age, must currently have a domestic health insurance policy and traveling outside the home country, and/or country of citizenship frequently throughout the year.
What are the benefits of Patriot Multi Trip Group Insurance?
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Hospital room and board help Average semi-private room rate, including nursing services Intensive care unit help Up to maximum limit. Hospital indemnity help $250 per overnight inpatient hospitalization, maximum limit of 10 overnights. Not subject to deductible. Eligible medical expenses help Up to the maximum limit Urgent Care Clinic help $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. Physician visits help Up to the maximum limit Radiology / X-ray help Up to the maximum limit Walk-In Clinic help $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Laboratory help Up to the maximum limit Outpatient Surgical / Hospital Facility help Up to the maximum limit Chemotherapy / Radiation Therapy help Up to the maximum limit Physical Therapy help Up to the maximum limit (Medical order or treatment plan required) Pre-Admission Testing Up to the maximum limit Assistant Surgeon help 20% of the primary surgeon’s eligible fee Anesthesia help Up to the maximum limit Prescription Drugs and Medications help 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 help Up to the maximum limit Chiropractic Care help Up to the maximum limit Pre-Certification help 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 help Up to the maximum limit Hospital emergency room help 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 limitInterfacility ambulance transfer help 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 help Up to the maximum limit Emergency Eye Examination $150 maximum limit. $50 deductible per occurrence. Dental Treatment help $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 help 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 help Up to $50,000 for a max of 15 days Return of mortal remains or cremation/burial help $100,000 maximum limit. Not subject to deductible. 15 day maximum. Return of minor children help $100,000 maximum limit. Not subject to deductible. Political evacuation and repatriation help $100,000 maximum limit. Not subject to deductible. Natural disaster evacuation help $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 help Up to $500. Not subject to deductible. Terrorism help Terrorism Coverage: Up to $50,000 lifetime maximum Lost luggage help 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 help 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 help $50,000 principal sum. Not subject to deductible. Common carrier accidental death help $50,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible. Sports & Activities Coverage help $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible or coinsurance.
What are the optional benefits included in Patriot Multi Trip Group insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Patriot Multi-Trip Insurance Adventure Sports Rider
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 |
2. Mobile Device Protection
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.
3. 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.
| 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.
4. Teladoc Rider
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. |
What is the Patriot Multi Trip Group Insurance PPO network?
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.
local_hospital Find Provider NetworkPatriot Multi-Trip Group Insurance Common Questions
1. Is IMG travel insurance legit? Is IMG a real insurance company?
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.
2. Does IMG travel insurance cover Covid?
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.
3. Does IMG sell Cancel for Any Reason Insurance?
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
4. What does IMG insurance stand for?
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.
5. Is IMG a good travel insurance company?
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
- Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
- Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the IMG family!
How do I file a claim with Patriot Multi Trip Group Insurance?
To file a claim with Patriot Multi Trip Group Insurance, follow these steps:
- Download the Claims Form: Access the Patriot Multi Trip Group insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Patriot Multi Trip Group Insurance?
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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