Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip insurance plan for individuals, families and groups

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Summary of Benefits

Plan Information
 
Maximum LimitsUp to age 69: $1,000,000
Age 70-79: $50,000
Deductible$250
ExtensionsUp to 36 continuous months
Coinsurance

For treatment received outside the U.S.: 100% up to the maximum limit

For treatment received within the U.S.:

In the PPO Network: 100% up to the maximum limit

Outside the PPO Network: 80% up to $1,000, then 100%

Sudden and Unexpected Recurrence of Pre-existing Conditions $5,000 maximum limit
Inpatient or Outpatient Services
 
Eligible Medical ExpensesUp to the maximum limit
Physician Visits / ServicesUp to the maximum limit
Urgent Care Clinic$25 copayment. Copayment is not applicable if the declaration states a $0 deductible. Not subject to deductible
Walk-in Clinic$25 copayment. Copayment is not applicable if the declaration states a $0 deductible. Not subject to deductible
Hospital Emergency Room:
Inside the U.S.		Injury: Not subject to emergency room deductible.
Illness: 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.
Hospital Emergency Room:
Outside the U.S.		Up to the maximum limit
Hospitalization / Room & BoardAverage semi-private room rate up to the maximum limit, includes Nursing services, miscellaneous and Ancillary services
Intensive CareUp to the maximum limit
Bedside Visit
Hospitalized in an Intensive Care Unit 		$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital FacilityUp to the maximum limit
LaboratoryUp to the maximum limit
Radiology / X-rayUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
SurgeryUp to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan 		Up to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Durable Medical EquipmentUp to the maximum limit
Chiropractic Care
Medical order or treatment plan required 		Up to the maximum limit
Physical Therapy
Medical order or treatment plan required 		Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility 		Up to the maximum limit
Home Nursing Care
Upon direct transfer from an acute care facility 		Up to the maximum limit
Prescription Drugs and Medication
 
Prescription Drugs and Medication
Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits Dispensing maximum for Retail Pharmacy: 90 days per prescription 		Through age 65 Maximum Limit: $250,000 per period of insurance Ages 66 to 79 Maximum Limit: Up to the period of coverage limit
Emergency Services
 
Emergency Local Ambulance
Injury or illness resulting in an inpatient hospital admission 		Up to the maximum limit. Subject to deductible and coinsurance.
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company 		Through age 65 maximum limit: Up to the period of coverage limit Ages 66 to 79 maximum limit: $50,000 Not subject to deductible
Emergency Reunion
Must be approved in advance by the company 		$100,000 maximum limit. Not subject to deductible. 15 day maximum.
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission 		Company pays 100%. Not subject to deductible.
Natural Disaster Evacuation
Must be approved in advance by the company 		$25,000 maximum limit .
Political Evacuation & Repatriation
Must be approved in advance by the company 		$100,000 maximum limit. Not subject to deductible.
Return of Minor Children
Must be approved in advance by the company 		$100,000 maximum limit. Not subject to deductible.
Remote Transportation
Must be approved in advance by the company 		$20,000 maximum limit
Return of Mortal Remains or Cremation/Burial
Must be approved in advance by the company 		Up to the maximum limit
Other Services
 
Accidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident 		$50,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible or coinsurance.
Identity Theft$500 maximum limit. Not subject to deductible or coinsurance.
Personal Liability
Secondary to any other insurance 		$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
For a pet cat or dog traveling with the insured person 		$1,000 maximum limit. Not subject to deductible or coinsurance.
Small Pet Common Air Carrier
Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person 		$500 maximum limit. Not subject to deductible or coinsurance.
Return Travel$10,000 maximum limit. Not subject to deductible or coinsurance.
Dental Treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Traumatic Dental Injury
Treatment at a hospital due to an accident 		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.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident 		$150 maximum limit. $50 deductible per occurrence.
Hospital Indemnity$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible or coinsurance.
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible or coinsurance.
Terrorism$50,000 maximum limit. Not subject to deductible or coinsurance.
Lost LuggageMaximum Limit per item $150, $500 maximum limit. Not subject to deductible or coinsurance.

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: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, 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. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age Maximum Limit
Through age 49 $50,000
50-59 $30,000
60-64 $15,000

Telehealth Rider

If you’d like the option of seeing a doctor virtually during your trip in case of a non-emergency medical issue, consider adding the Telehealth rider. With Telehealth you have access to board-certified doctors 24/7 without having to visit an office. Your provider can meet with you over the phone or via a video consultation, and can help diagnose and treat non-emergency medical problems.

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.

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 the world.

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.