Patriot Annual travel Insurance
Annual multi-trip travel medical insurance for individuals, families and groups
Patriot Annual Multi-Trip Insurance Cost Calculator
What is Patriot Annual travel 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.
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!
Patriot Annual travel Insurance Reviews
How much is Patriot Annual travel travel insurance coverage?
What is a deductible in Patriot Annual travel insurance?
What is a Coinsurance in Patriot Annual travel insurance?
What are the key highlights of Patriot Annual travel insurance?
- Acute onset of pre-existing condition covered up to $5,000 policy maximum
- 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.
- Emergency medical evacuation covered up to policy maximum
- visitors insurance plan has a maximum lifetime of 12 months to continuous 36 months.
Who is eligible for Patriot Annual travel insurance plan?
- 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.
Can the Patriot Annual travel insurance be extended or renewed?
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.
Click here to read more »How much does Patriot Multi-trip insurance cost in USA?
The Patriot Multi-trip America cost ranges from $328 to $656 per year. This is dependent on the factors namely age of the traveler, the plan maximum , deductible and trip duration.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 79 years can choose maximum limits of $1,000,000 with $250 deductible.
For example here we are showing Patriot Multi-trip America insurance cost with medical maximum of $1,000,000 with deductible $250
What are the benefits of Patriot Annual travel Insurance plans?
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Hospital Room and Board help Average semi-private room rate up to the maximum limit. Includes nursing service 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 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. 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 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 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 limitPolitical evacuation and repatriation help $100,000 maximum limit. Not subject to deductible. Terrorism help Terrorism Coverage: Up to $50,000 lifetime maximum Natural disaster evacuation help $25k maximum limit. Not subject to deductible Return of mortal remains or cremation/burial help $100,000 maximum limit. Not subject to deductible. 15 day maximum. Emergency reunion help Up to $50,000 for a max of 15 days Interfacility 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. Remote Transportation $20,000 maximum limit Return of minor children help $100,000 maximum limit. Not subject to deductible. Return of Mortal Remains or Cremation/Burial Up to the maximum limit Identity theft help Up to $500. 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. 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 help Maximum Limit per item $150, $500 maximum limit. 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)
How much does Patriot Multi-trip international insurance cost?
The Patriot Multi-trip International cost ranges from $282 to $564 per year. This is dependent on the factors namely age of the traveler, the plan maximum , deductible and trip duration.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 79 years can choose maximum limits of $1,000,000 with $250 deductible.
For example here we are showing Patriot Multi-trip International insurance cost with medical maximum of $1,000,000 with deductible $250.
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.
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.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
| 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 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 and First Health Network.
local_hospital Find Provider Network
Patriot Multi Trip 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.
How do I file a claim with Patriot Annual travel Insurance?
To file a claim with Patriot Annual travel Insurance, follow these steps:
- Download the Claims Form: Access the Patriot Annual travel 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 Annual travel Insurance?
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