Patriot Multi Trip

Underwriter: Sirius International

Comprehensive A.M. Best Rating: A

Patriot Multi Trip (A.M. Best Rating: A) is built for travelers who take multiple international trips several times a year and want comprehensive coverage with a single annual enrollment. It provides coverage for eligible illnesses and injuries during the covered trip. A single yearly policy covers unlimited trips abroad, each up to the plan's per-trip length limit, so you never have to buy separate coverage for every departure. Benefits include hospitalization, doctor visits, prescriptions, emergency medical evacuation, and repatriation, paid up to the policy maximum, and 24/7 travel assistance included. Coverage is available up to 3 years, with 30-day, 60-day, or 90-day coverage options.

Patriot Multi Trip is built for business travelers, consultants, and globetrotting families who cross borders several times a year and want always-on protection at a predictable annual price. Enroll once and travel covered all year long.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 in eligible medical expenses, then 100% thereafter, up to the selected policy maximum.

Patriot Multi Trip does not cover pre-existing conditions. Patriot Multi Trip includes acute onset coverage of pre-existing conditions up to $5,000.

Review the Patriot Multi Trip policy documents for complete and accurate coverage and exclusions.

Learn more about 4 optional add-on benefits available on this plan.

Plan Brochure Sample Description of Coverage

Buy

How Patriot Multi Trip Works

After the deductible, the plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% of eligible medical expenses up to $5,000, then 100% thereafter

In Network

100%

After deductible, 100% up to policy maximum
See How Patriot Multi Trip Works.

Out of Network

80%

After deductible, insurance pays 80% of first $5000

Then

100%

Insurance pays 100% up to policy maximum

PPO Network for Patriot Multi Trip

Inside the USA

The PPO provider for Patriot Multi Trip Insurance is , a network recognized by all major hospitals and healthcare facilities.

When visiting a healthcare facility, remember to mention as your PPO provider. Patriot Multi Trip policy holders should visit providers listed within the directory to take advantage of in-network benefits.

Outside the USA

There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for IMG.

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Emergency Room

$250 copay, 100% up to Policy Maximum

Hospitalization

Average semi-private room and rate

Urgent Care

Included

Prescription Rx - Medicine

URC up to policy maximum

Acute Onset of Pre-Existing Conditions

Up to $5000

PPO Network

Medical Evacuation

Up to $50000

Lab & X-Rays

80% of first $5000, 100% thereafter

Emergency Room

$250 copay, 100% up to Policy Maximum

Acute Onset of Pre-Existing Conditions

Up to $5000

Hospitalization

Average semi-private room and rate

PPO Network

Urgent Care

Included

Medical Evacuation

Up to $50000

Prescription Rx - Medicine

URC up to policy maximum

Lab & X-Rays

80% of first $5000, 100% thereafter

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.

Eligibility for Patriot Multi Trip

For international travelers traveling outside of their home country
Travelers who are US or non-US citizens under the age of 79
Up to 3 years of coverage with 30-day, 60-day, and 90-day trip length options.

Eligible Medical Expenses

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Available Policy Maximums

$50K $1M

Limits may vary based on age or destination of traveler

Available Deductibles

$250

Limits may vary based on age or destination of traveler

Pre-Existing Conditions

Not covered

Acute onset Pre-Existing Condition

Up to $5,000

Prescription Drugs / Medicines

URC up to policy maximum

Dr. / Physician Visit

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Surgical Treatment

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Lab & X-rays

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Hospital Room and Board

In-Network

Average semi-private room and rate

Out-Network

Average semi-private room and rate

Dr. / Physician Visit

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Surgical Treatment

In-Network

100% up to policy maximum

Out-Network

80% of first $5,000, 100% thereafter

Ambulance Expenses

In-Network

Up to 100%

Out-Network

Up to 100%

Emergency Room

In-Network

$250 copay, 100% up to Policy Maximum

Out-Network

$250 copay, 80 % of first $5,000, 100% thereafter

Dental Emergency

Up to $100

Emergency Medical Evacuation / Repatriation

Up to $50,000

Return of Mortal Remains

Up to $50,000

Trip Interruption

Up to $5,000

Doctor Wellness Visit

Not covered

Preferred Rates

Not covered

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: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; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.

Age	Lifetime Maximum
0-49	$50,000
50-59	$30,000
60-64	$15,000

Evacuation Plus Rider

This optional rider is 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. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.Please see brochure for coverage.

Device Protection Rider

Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

Unlike most riders, Device Protection Coverage is sold for each Traveler independently.

Telehealth

Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.

Manage Your Policy Online

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Helpful Links

Claim Information

Claims Contact Information

Send Claim Form to:

Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
Apple Valley, MN 55124 USA

317-655-4500

imgcustomercare@imglobal.com

Administrator Contacts:

800-628-4664 or 317-655-4500

imgcustomercare@imglobal.com

Claims Form(s):

Download Insurance Claim Form

Patriot Multi Trip FAQs

All questions are answered by our Licensed Travel Insurance Consultants.

U.S citizens and non-U.S citizens who are under the age 75 years of age traveling throughout the year can purchase a Patriot Multi-Trip plan. Coverage will be outside of the travelers home country.

A policyholder under the Patriot Multi-Trip plan can travel for increments of 30 days, 60 days, or 90 days depending on what was chosen during the time of enrollment. After the chosen coverage timeframe has passed, the policyholder must return home before traveling again to receive coverage.

Patriot Multi-Trip is Administered by IMG. Visit IMG's plan provider page for more information.

Patriot Multi-Trip can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

You will need names of the travelers, coverage duration, date(s) of birth, country of residence, citizenships, destination's, home country address, and a valid credit card.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

The Patriot Multi-Trip plan is only cancelable prior to the certificate effective date. Premiums are fully earned on the certificate effective date and are nonrefundable thereafter.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

Pre-existing conditions are not covered by the Patriot Multi-Trip Plan. However, the Patriot Multi-Trip plan covers up to $5,000 for acute onset of pre-existing conditions. An acute onset of a pre-existing condition is defined as: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. A Pre-existing condition is defined as an Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Please refer to the following article concerning the claim process: Visitor Insurance Claim Process

Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am EST on the following day after the last date of coverage.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

The Teladoc Global rider allows a policyholder to consult with Teladoc Health doctors who are available 24/7/365 to provide quality care for non-emergency health issues through the convenience of phone or video. The rider must be purchased at the time of application.

The Device Protection rider provides coverage for the repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip for a covered reason. Some of these include:

Loss or theft
Accidental damage
Liquid damage
Defective buttons or connectivity ports
Broken screen
Internal overheating
Internal humidity/condensation
Defects in materials or workmanship

The rider must be purchased at the time of application. Please check the brochure for more details.

The Evacuation Plus rider can provide coverage for medical evacuations due to sudden and unexpected medical conditions that are not life-threatening, and where hospitalization is medically necessary. It also includes coverage for evacuations as a result of a natural disaster. The rider is available for individuals up to age 65.

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

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

The Adventure Sports Rider offered in the Patriot Multi-Trip plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

To purchase the Patriot Multi Trip policy, the minimum premium must be at least $10. If your total premium for the duration of coverage is less, you will be charged $10 to meet the requirement. If you have further questions regarding the $10 premium minimum, please feel free to contact our licensed insurance specialist at support@visitorscoverage.com.

Learn more from informative articles at the Visitor Insurance Information section.

Have specific questions about this plan?

AI Assistant Patriot Multi Trip

AI assistant can help you find specific terms and details in the policy document.

Need more assistance?

Chat with Luna

Our smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Patriot Multi Trip

How Patriot Multi Trip Works

In Network

Out of Network

PPO Network for Patriot Multi Trip

Inside the USA

Outside the USA

Key Travel Medical Insurance Benefits

Eligibility for Patriot Multi Trip

Medical Coverage

Pre-existing Conditions

Out-Patient

In-Patient

Emergency Services

Dental Coverage

Travel Coverage

Other

Optional add-on benefits

Patriot Multi Trip Exclusions

Manage Plan, Support, and Claims Information

Manage Your Policy Online

Helpful Links

Claims Contact Information

Send Claim Form to:

Administrator Contacts:

Claims Form(s):

Patriot Multi Trip FAQs

Have specific questions about this plan?

Need more assistance?

Products

Popular Plans

Useful Links

Company