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

Age
Start Date
Coverage Period
1 Year
Coverage
Citizenship




Trip Duration

Patriot Multi-Trip Insurance Review

Patriot MultiTrip
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
  • 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.
RenewalRenewability - 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
  • Evacuation Plus Rider
optional-coverage 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.

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

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
Emergency Reunion Up to $50,000
Local Ambulance Up to maximum limit

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.

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.

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.

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.

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