Patriot Annual Multi-Trip Travel Insurance Travel Insurance

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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.

Brochure
Benefits
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)
Claims
Renewal
Provider Network

Quotes for Patriot Multi-Trip Insurance

Insurance Provider
International Medical Group

Plan Life
12 months to 36 continous months. Any one period of coverage cannot exceed 12 months

Policy Maximum^?
$1,000,000
Age 70-75 years: $50,000

Deductible Options^?
$250 per covered sickness

Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

International Medical group Patriot Multi-Trip plan summary

Eligibility

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.

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.

Coinsurance^?

For treatment received outside the U.S. & Canada: No coinsurance.
For treatment received within the U.S. & Canada:
- In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
- Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

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
Adventure Sports rider
Available for those up to the age of 65 years.

Activities Covered upto lifetime maximum: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 lifetime maximum

Age 50-59 years: $30,000 lifetime maximum

Age 60-64 years: $15,000 lifetime maximum
Evacuation Plus Rider
Evacuation Plus Rider
Available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation - Up to a maximum of $25,000

Natural Disaster Evacuation - Up to a maximum of $5,000

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.

Plan Benefits of Patriot Multi-Trip Insurance

Benefits	Coverage
Benefit Period	$5,000 for a maximum of 30 days with proof of current medical insurance.
Hospital room and board	Up to the maximum limit for average semi-private room rate.
Intensive care	Up to the maximum limit
Hospital Daily Indemnity	$100/night, maximum 10 days.
Sports & Activities Coverage	Up to maximum limit for basic sports.
Terrorism Coverage	Up to $50,000 lifetime maximum.
Political Evacuation	Up to $10,000.
Accidental Death & Dismemberment	$25,000 principal sum.
Emergency Medical Evacuation	Up to the maximum limit.
Return of Mortal Remains	Up to $50,000.
Lost Luggage	Up to $50 per item of luggage, maximum of $250.
Return of Minor Children	Up to $50,000.
Emergency Dental Treatment	Injury due to accident: Up to maximum limit. Sudden dental pain: Up to $100.
Common Carrier Accidental Death	$50,000 to Beneficiary; maximum of $250,000 per family.

International Medical Group, IMG travel insurance Links

Claims

PPO Network

Renewal

Cancellation

Client Zone

ID Card