Patriot Multi-Trip Insurance IMG Annual Multi-Trip medical insurance, ideal for business travelers

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.

Patriot Multi-Trip Insurance Cost

Patriot Multi-Trip Insurance Review

Insurance provider
International Medical Group

Plan life
12 months to 36 continous months.Patriot Multitrip can be renewed online Any one period of coverage cannot exceed 12 months

Deductible options^?
$250 per covered sickness

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

Patriot Multi-Trip underwriter

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

Patriot Multi-trip Links

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

International Medical Group Patriot Multi-Trip travel insurance summary

What is the 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.

Renewability - 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 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.

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
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

Brochure
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

Brochure

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 Description documents

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Plan Benefits of Patriot Multi-Trip Insurance, International health insurance for travel

Covid 19 IMG travel insurance coverage for Coronavirus

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.