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Patriot MultiTrip Group Travel Medical Insurance

Please use this high-level information as a guide only and do not make decisions solely based on this comparison. If you have any concerns, doubts or questions, please call us for further details.It is not possible to represent all details of information in a concise manner. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All the amounts are in U.S. dollars.

Routine physicals and exams (wellness, vision, eyeglasses, dental etc.) are not covered in any of the group travel medical insurance plans.

General

Patriot Multi Trip Group Insurance
Comprehensive
In US/Canada: After deductible, the plan pays 90% of the first $5,000; then 100% to policy maximum.

Outside PPO: plan pays 80% of first $5,000, then 100% to policy maximum.

Outside US/Canada: After deductible, plan pays 100% to policy maximum.

Medical - Outpatient

To policy maximum
To policy maximum
To policy maximum

In US: Extra $250 deductible for illness that does not result in hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
-

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
-
-

Medical - Other Treatement And Services

1 year
To policy maximum
To policy maximum
-
To policy maximum for basic sports.

Optional Adventure Sports to age 65

0-49 $50,000 Maximum
50-59 $30,000 Maximum
60-64 $15,000 Maximum
To policy maximum
-
-
To policy maximum
Sudden and Unexpected Recurrence of a Pre-existing Condition, up to $5,000 per period of coverage
-

Dental

$100 limit per certificate period
To policy maximum

Travel

-
$5,000
$50 per item, maximum of $250
$50,000
$50,000
Up to US $25,000 for pre-existing conditions;

Up to policy maximum for covered incidents for insured persons under age 66;

Up to US$50,000 for covered incidents for insured persons from ages 66 to 75
$50,000
-
-
-

Life

$25,000 principle sum
$50,000 to beneficiary; maximum of $250,000 per family

Plan Features

Before Effective Date: Full Refund
After Effective Date: No refund
Maximum duration of 36 months
$0
$0
Optional: Evacuation Plus Rider, Adventure Sports Rider
Email
Postal Mail
Courier
Per Incident
$250
Policy Maximum
$50,000 70-75
$1,000,000 Up to 69
International Medical Group (IMG)
Sirius International
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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