We enable our members to worry less and experience more by delivering the protection they need, backed by the support they deserve. We offer a full line of international medical insurance products, as well as trip cancellation programs, stop loss insurance, medical management services and 24/7 emergency medical and travel assistance — all designed to provide members Global Peace of Mind® while they're away from home.
- Global Support. With offices and partners across the globe, we provide the support you need, when you need it. In fact, it's our corporate mission to be there to protect and enhance your health and well-being.
- Service Without Obstacles. Our team of international, multilingual specialists is accustomed to working in multiple time zones, languages and currencies. Our global reach means we can work without barriers.
- International Provider AccessSM (IPA). In addition to our expansive PPO network available for treatment received within the U.S., our proprietary IPA network of more than 17,000 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and upfront expense at select providers.
- Financial Stability. Our globally recognized underwriters, A- rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's, offer the financial security and reputation demanded by international consumers.
- Accessible Technology. Log on to the secure, 24-hour online portal, MyIMGSM, to submit and view your claims, manage your account, search for providers, Live Chat with representatives and more.
- International Emergency Care. When you're away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.
Why Choose Patriot Multi-Trip
Accidents and emergencies happen — and when they do, you wouldn't want to be hundreds or thousands of miles away from home without the proper coverage. Most people assume they will be covered by their standard health insurance when they travel internationally, but that isn't always the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk.
Don't let your medical coverage be an uncertainty. Travel with Patriot Multi-TripSM Travel Medical Insurance so you can spend more time enjoying your international experience and less time worrying about your medical coverage.
Patriot Multi-Trip is designed for individuals, families, and groups of five or more who travel frequently outside of their home country throughout the year. The annual plan — renewable up to a total of 36 months — is availalbe for U.S. and non-U.S. citizens who are younger than age 76.
Additional World-Class Services
Service at your fingertips anytime, anywhere — that's what MyIMG provides. MyIMG is our online member portal that allows you to easily access and manage your insurance information. Our service centers in the U.S. and Europe are always available to handle medical emergencies, but through MyIMG in MyAccount, you have immediate access to a wealth of information about your account and plan, and can manage routine areas to help you save time when you may need it most. Key features include:
- Manage your claims
- Initiate pre-certification
- Locate a Provider
- Obtain plan documents
- Request ID cards
- Recommend a provider/facility
Universal Rx Pharmacy Discount Savings
This discount savings program allows you to purchase prescriptions at one of more than 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This program is not insurance coverage; it is purely a discount program.
Plan Information & Highlights
| Maximum Limit | $1,000,000 |
| Maximum Limit for travelers age 70-75 | $50,000 |
| Individual Deductible | $250 per each covered illness |
| Coinsurance - Treatment Received Outside of the U.S. & Canada | No Coinsurance |
| Coinsurance - Treatment Received Within the U.S. & Canada | In the PPO Network - The plan pays 90% of eligible medical expenses up to $5,000, then 100% up to the maximum limit Out of the PPO Network - The plan pays 80% of eligible medical expenses up to $5,000, then 100% up to the maximum limit |
| Benefit Period | $5,000 for a maximum of 30 days with proof of current medical insurance |
| MyIMGSM | 24-hour secure access from anywhere in the world to manage your account |
| World-Class Medical Benefits | Coverage available for inpatient and outpatient medical expenses |
| International Emergency Care | A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more |
Schedule of Benefits All coverages, benefits and premium amounts shown are in U.S. dollars.
All coverages, benefits and premium amounts shown are in U.S. dollars.
| Medical Benefits Usual, reasonable and customary charges. Subject to deductible and coinsurance when applicable. | |
|---|---|
| Hospital Room and Board | Up to the maximum limit for average semi-private room rate |
| Intensive Care | Up to the maximum limit |
| Medical Expenses | Up to the maximum limit |
| Outpatient Medical Expenses | Up to the maximum limit |
| Local Ambulance | Up to the maximum limit |
| Emergency Room Accident | Up to the maximum limit |
| Emergency Room Illness with Inpatient Admission | Up to the maximum limit |
| Emergency Room Illness without Inpatient Admission | Up to the maximum limit with additional $250 deductible |
| Dental - Injury Due to Accident | Up to the maximum limit |
| Dental - Sudden Dental Emergency | Up to $100 |
| Hospital Daily 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 |
| Return of 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 | Up to $50,000 lifetime maximum |
| Sports & Activities Coverage | Up to the maximum limit for basic sports |
| Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical | Up to $5,000 per period of coverage |
| Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation | Up to $25,000 of eligible costs and expenses |
| Trip Interruption | Up to $5,000 |
| Common Carrier Accidental Death | $50,000 to beneficiary; maximum of $250,000 per family |
| Accidental Death & Dismemberment | $25,000 principle sum |
| Lost Luggage | Up to $50 per item of luggage; maximum of $250 |
| Optional Riders (Apply to all individuals listed on the application. *The Evacuation Plus rider is only available on individual plans.) | |
|---|---|
| Adventure Sports Rider (available to insureds up to age 65) | |
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
| *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 |
Plan Rates - Individual
| Patriot Multi-Trip International (Individual rates for U.S. citizens. Rates are through age 75*) | ||
|---|---|---|
| Maximum Trip Duration | 30 Days Per Trip | 45 Days Per Trip |
| Annual premium | $200 | $245 |
| Spouse and two children | $100 | $122 |
| Each additional child | $40 | $49 |
| Patriot Multi-Trip America (Individual rates for non-U.S. citizens. Rates are through age 75*) | ||
|---|---|---|
| Maximum Trip Duration | 30 Days Per Trip | 45 Days Per Trip |
| Annual premium | $285 | $350 |
| Spouse and two children | $145 | $180 |
| Each additional child | $57 | $70 |
Plan Rates - Group
| Patriot Multi-Trip International (Group rates for U.S. citizens. Rates are through age 75*) | ||
|---|---|---|
| Maximum Trip Duration | 30 Days Per Trip | 45 Days Per Trip |
| Annual premium | $180 | $220 |
| Spouse and two children | $90 | $110 |
| Each additional child | $36 | $44 |
| Patriot Multi-Trip America (Group rates for non-U.S. citizens. Rates are through age 75*) | ||
|---|---|---|
| Maximum Trip Duration | 30 Days Per Trip | 45 Days Per Trip |
| Annual premium | $255 | $315 |
| Spouse and two children | $130 | $160 |
| Each additional child | $51 | $63 |
The plan pays a maximum limit of $50,000 for travelers who are 70-75 years old.
Rider Rates
|
Adventure Sports Rider (Available on Patriot Multi-Trip International and Patriot Multi-Trip America plans for individuals and groups) | ||
|---|---|---|
| Premium per covered insured (annual rate) | $85 | |
| Evacuation Plus Rider (Available on Patriot Multi-Trip International and Patriot Multi-Trip America plans for individuals only.) | ||
|---|---|---|
| Premium per covered insured (annual rate) | $250 | |
The administrator reserves the right to issue the most current rates in the event these expire, are modified or replaced with a newer version. Rates include surplus lines tax where applicable.
Conditions of Coverage
- The period of coverage is for one year from the effective date of the Certificate of Coverage.
- Coverage and benefits are subject to the applicable deductible, coinsurance and the other terms and conditions contained in the complete Certificate of Insurance and Master Policy.
- Coverage under a Patriot Multi-Trip plan is secondary to any other coverage or contractual benefits.
- Coverage and benefits are for medically necessary, usual, reasonable and customary charges only. Benefits under the plan are available only for injuries and illnesses for which treatment is first obtained during the first 30 or 45 days of each trip based upon the plan chosen.
- Charges must be administered or ordered by a physician.
- Charges must be incurred during the period of coverage.
- Claims must be presented to the administrator for payment within 90 days from the date the claim was incurred.
Eligibility
- (U.S. citizens) You, your spouse and children are eligible for a Patriot Multi-Trip International individual or group plan while traveling outside of the United States if you: 1. are under the age of 76, 2. currently have a domestic health insurance policy (either individual or group) and maintain this domestic coverage the entire time while covered under Patriot Multi-Trip plan, and 3. travel outside of the United States frequently throughout the year.
- (Non-U.S. citizens) You, your spouse and children are eligible for a Patriot Multi-Trip America individual or group plan while traveling outside of your home country if you: 1) are under the age of 76, 2) currently have a domestic health insurance policy (either individual or group) and maintain this domestic coverage the entire time while covered under Patriot Multi-Trip plan, and 3) travel outside of your home country and/or country of citizenship frequently throughout the year.
Renewal of Coverage
The Patriot Multi-Trip individual and group plans may be renewed (unless there is a break in coverage) in increments of 12 months up to a total of 36 continuous months. Any one period of coverage may not exceed 12 months. Please note: Renewal premium rates may differ from initial rates.
Quality Guarantee
Your satisfaction is very important to us. If you are not pleased with this product for any reason, you may submit a written request, prior to the effective date, for cancellation and refund of premium paid.
Enrollment
To apply, simply apply online or complete and return the application. If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are 18 years of age or older, you must complete a separate application for those individuals. If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan.
You can apply over the phone as well by calling us.
IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. As of January 1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person's sole and exclusive responsibility to determine the insurance requirements applicable to them, and the company and the administrator shall have no liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including, without limitation, PPACA. For information on whether PPACA applies to you or whether you are eligible to purchase Patriot Multi-Trip Travel Medical Insurance, please contact your attorney or CPA.
Administrator
IMGP.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA
FOR ADDITIONAL INFORMATION
Insubuy®, Inc.4200 Mapleshade Ln, Suite 200
Plano, TX 75093
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
This invitation to inquire allows eligible applicants an opportunity to seek information 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. Certain contracts do contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by International Medical Group, Inc. and its representatives throughout the world. © 2007-2016 International Medical Group. All rights reserved.
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