Patriot Annual travel Insurance

Patriot Annual Multi-Trip Insurance Cost

Age
Start Date
Coverage Period
1 Year
Coverage
Citizenship
Trip Duration

Patriot Multi-Trip Insurance Review

Policy maximum
$1M Age 70-75 years : $50k
Deductible options
$250
Patriot Multi-Trip underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life - 12 months to 36 continous months.
Patriot Multitrip can be renewed online any one period of coverage cannot exceed 12 months
Insurance provider
International Medical Group
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 $5,000, then 100% up to the Maximum Limit.

Patriot Multi-Trip Links

  • Brochure
  • Benefits
  • Comprehensive Plan
  • Claims
  • Renewal

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.

Key Highlights of Visitors Care

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 70-75, 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.
  • The US citizens traveling outside of the US and under 76 years of age and Non-US citizens traveling outside their home country and under 76 years of age are eligible to purchase this plan.
  • 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 and emergency medical evacuation for the same is available for $25000.

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.

Coinsurance of IMG Patriot America Lite Insurance
  • For treatment received outside the U.S: No coinsurance
  • For treatment received within the U.S:
  • In the PPO Network: The plan pays 100%.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

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 76.

Patriot Multi-Trip insurance sudden and unexpected recurrence of a pre-existing condition
  • Medical:
    • Up to $5,000 per period of coverage
  • Emergency Medical Evacuation:
    • Up to $25,000 of eligible costs and expenses.

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.

  • Adventure Sports rider
  • Evacuation Plus Rider
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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 $100 per overnight inpatient hospitalization, maximum limit of 10 overnights. Not subject to deductible.
    Eligible medical expenses Up to the maximum limit
  • Emergency local ambulance Up to the maximum limit
    Hospital emergency room 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
  • Dental - Sudden dental emergency up to $100
    Dental Treatment Dental injury due to an accident: up to the maximum limit
  • Emergency medical evacuation Through age 65 maximum limit: Up to the period of coverage limit Ages 66 to 75 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 $50,000 maximum limit
    Return of minor children $50,000 maximum limit. Not subject to deductible.
    Political evacuation and repatriation Up to $10,000 (Must be approved in advance by the company)
  • Trip interruption Up to $5,000. Not subject to deductible.
    Identity theft Up to $500. Not subject to deductible.
    Terrorism Terrorism Coverage: Up to $50,000 lifetime maximum
    Lost luggage Up to $50 per item; maximum of $250. Not subject to deductible
  • Sudden and Unexpected Recurrence of a Pre-Existing Condition Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation: Up to $25,000
    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 $25,000 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 Up to the Maximum Limit for basic sports (non-organized, non-contact, and non-collision activities)
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Patriot Multi-Trip Insurance - Common Questions

01. 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.

02. 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.

03. 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.

04. 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.

05. 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.

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.

Resourceful links for IMG Patriot Travel Insurance

Patriot Multi-Trip Insurance FAQ

Frequently asked questions and answer about travel insurance plans.

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Patriot Travel Insurance Blog

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Patriot Travel Insurance Forum

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IMG Trip Cancellation Plans

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