Patriot Multi-Trip

From International Medical Group

Available for all trips of 30 or 45 days duration or less per year, Patriot Multi-Trip is a comprehensive multi-trip travel medical plan that provides coverage for any new illness & injury that might occur while traveling outside of your home country.

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Patriot Multi-Trip Benefit Schedule

Benefit

Description

Maximum Limit
$1,000,000
Maximum Limit
travelers age 70-75
$50,000
Deductible
$250 per each covered illness
Coinsurance
As described below
For treatment received outside the US & Canada:
No coinsurance
For treatment received within the US & Canada: In the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
For treatment received within the US & Canada: Out of PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
Medical Benefits

Usual reasonable and customary charges, subject to deductible and coinsurance

Hospital Room and Board
Up to Maximum Limit for average semi-private room rate
Intensive Care
Up to Maximum Limit
Medical Expenses
Up to Maximum Limit
Outpatient Medical
Up to Maximum Limit
Local Ambulance
Up to Maximum Limit
Emergency Room Accident
Up to Maximum Limit
Emergency Illness
with in-patient admission
Up to Maximum Limit
Emergency Illness
without in-patient admission
Up to Maximum Limit with an additional $250 deductible
Dental (Injury due to accident)
Up to Maximum Limit
Dental (Sudden dental pain)
Up to $100
Hospital Indemnity
for U.S. citizens only
Up to $100 per night up to a maximum of 10 days
International Emergency Care

When coordinated through the Plan Administrator

Emergency Medical Evacuation
Up to the Maximum Limit
Emergency Reunion
Up to $50,000
Return of Mortal Remains
Up to $50,000
Returning Minor Children
$Up to $50,000
Political Evacuation
Up to $10,000
Identity Theft Assistance
Up to $500 per Period of Coverage
Additional Benefits
Terrorism Coverage
Up to $50,000 lifetime maximum
Sports & Activities Coverage
Up to Maximum Limit for basic sports
Sudden & Unexpected Recurrence of a Pre-existing Condition - Medical
Up to $5,000 per Period of Coverage
Sudden & Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation
Up to $25,000 of eligible costs and expenses
Trip Interruption
To $5,000
Common Carrier Accidental Death
$50,000 to Beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment
$25,000 principal sum
Lost Luggage
Up to $50 per item or personal property; maximum of $250 per Period of Coverage
Benefit Period
Six months
Optional Riders

Apply to all individuals listed on the Application Form

Adventure Sports Rider
(Available to insureds up to age 65)
  • Age 0-49: $50,000 Lifetime Maximum
  • Age 50-59: $30,000 Lifetime Maximum
  • Age 60-64: $15,000 Lifetime Maximum
Evacuation Plus Rider
(Available to insureds 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

Sports and Activities Coverage

Each Patriot Multi-Trip plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/ motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activites (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized, sponsored and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee, and/or Adventure Sports.

Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance.

Adventure Sports Rider

The Adventure Sports Rider is available on both Patriot Multi-Trip plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed on page four as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, mountaineering or rock climbing (to elevation 4500 meters from ground level), parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, scuba diving (to 50M), skydiving, snorkeling, snow skiing, snowboarding, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), 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. Please see exclusion 8.

Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Evacuation Plus Rider:

This optional rider is available to insureds up to age 65. It offers coverage for medical evacuations for sudden and unexpected medical conditions that are not life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.

This web page contains only a consolidated and summary description of all current Patriot Multi-Trip Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit. IMG reserves the right to issue the most current Policy Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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