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Patriot® MultiTrip

Travel medical insurance for individuals, families and groups of five or more taking multiple trips

Since 1990, the administrator has provided global benefits and assistance services to millions of customers in nearly every country around the world. Owned by Sirius Group, a multibillion-dollar, AM Best "A-" rated insurance industry leader, the administrator is uniquely positioned to deliver the Global Peace of Mind® our members need.

  • 24/7 medical and travel assistance services
  • Multilingual staff & claims administrators
  • Highly trained customer service professionals
  • Core values driven by a commitment to customers
  • Customer service centers located in the U.S. and U.K.
  • Financial security to fulfill our promise when you need it most

Patriot Multi-Trip is designed for individuals, families, and groups of five or more who travel frequently outside of their country of residence 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. During the application process, you can choose a maximum trip duration of 30 days or 45 days.

Plan Information & Highlights

Maximum LimitInside the U.S.: Up to age 69: $1,000,000
Outside the U.S.: Up to age 69: $50,000
Maximum Limit for travelers age 70-75$50,000
Deductible$250
Emergency Medical EvacuationUp to the period of coverage limit or $50,000 - dependent upon age
Sudden and Unexpected Recurrence of Pre-existing Conditions$5,000 maximum limit
Coinsurance - Treatment Received Outside of the U.S. & CanadaPlan pays 100% outside the U.S.
Coinsurance - Treatment Received Within the U.S. & CanadaIn the PPO Network - The plan pays 100% up to the maximum limit
Out of the PPO Network - The plan pays 80% of eligible medical expenses up to $1,000, then 100% up to the maximum limit

Summary 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.

Inpatient or Outpatient Services
Eligible Medical ExpensesUp to the maximum limit
Physician Visits/ServicesUp to the maximum limit
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
Hospital Room and BoardUp to the maximum limit for average semi-private room rate
Intensive CareUp to the maximum limit
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 facility
Up to the maximum limit
Home Nursing Care
Upon direct transfer from an acute facility
Up to the maximum limit
Prescriptions
Prescriptions
Dispensing limit per prescriptions: 90 days
Up to the maximum 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 75 maximum limit: $50,000
Not subject to deductible.
Emergency Reunion
Must be approved in advance by the company
$50,000 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.
Political Evacuation & Repatriation
Must be approved in advance by the company
$10,000 maximum limit. Not subject to deductible.
Return of Minor Children
Must be approved in advance by the company
$50,000 maximum limit. Not subject to deductible.
Return of Mortal Remains or Cremation / Burial
Must be approved in advance by the company
$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Other Services
Accidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident
$25,000 principle sum. Not subject to deductible.
Common Carrier Accidental Death$50,000 per insured person, $250,000 maximum limit per family. Not subject to deductible.
Dental Treatment
Treatment due to an accident
$100 maximum limit. 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.
Hospital Indemnity
Outside insured person's country of residence and the United States
Inpatient hospitalization only
(International plans only)
$100 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft$500 maximum limit. Not subject to deductible.
Lost Luggage$50 per item, $250 maximum limit. Not subject to deductible.
Terrorism$50,000 maximum limit. Not subject to deductible.
Trip Interruption$5,000 maximum limit. Not subject to deductible.

Expand Your Coverage

It's easy to customize your coverage to best meet your needs while away from home. When submitting your online or paper application, simply add the riders you need to the plan you've selected.

    Adventure Sports Rider

    If you're a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your travel insurance policy.

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

    Evacuation Plus Rider**

    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. The administrator will arrange and cover ground and air transportation to the nearest hospital capable of providing treatment.

    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.

    *Rider option is available on individual plans only

Innovative Technology & Member Services

    Self-Service Member Portal

    The administrator provides service at your fingertips, giving you the information and tools to manage your plans anytime, anywhere, through awardwinning, easy-to-use technology. You'll have immediate access to these important resources online, including our 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, and much more.

    Pharmacy Discount Savings

    Universal Rx is a discount savings program that allows you to purchase prescriptions from one of 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 network offers a simplified claims process with minimal paperwork for the member if they visit an in-network provider.

    This program is not insurance coverage; it is purely a discount program.

    First Health Network

    For travelers in the U.S., the First Health network is a wide-ranging national PPO network that gives you more access to more doctors and services, including:

    • 5,000 hospitals
    • 90,000 ancillary facilities
    • 1 million healthcare professional service locations

    International Provider AccessSM

    Travelers outside of the U.S. can also enjoy access to quality healthcare worldwide with proprietary IPA network that includes:

    • Over 18,550 physicians and facilities
    • Direct billing arrangements that minimize time and upfront expense

Plan Rates - Individual

Patriot Multi-Trip International
(Individual rates for U.S. citizens. Rates are through age 75*)
Maximum Trip Duration30 Days Per Trip45 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 Duration30 Days Per Trip45 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 Duration30 Days Per Trip45 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 Duration30 Days Per Trip45 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.

How To Get Covered

    Step 1:

    Contact us directly to obtain an application or to apply online.

    Step 2:

    Complete your application: If applying as a family, you may include yourself, your spouse, and dependents on one application. Please complete a group application if you have two or more primary insureds.

    Step 3:

    Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the family!

How To Renew Your Coverage

The Patriot Multi-Trip individual and group plans can 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. To renew your coverage, please visit MyAccount.

Please note: Renewal premium rates may differ from initial rates.

Protect Your Investment

We also offer trip cancellation plans to help protect your travel investment. There are different plan options specifically designed for your needs. For more information, please visit Trip Insurance.

Administrator

IMG
P.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. © 2007-2020 International Medical Group. All rights reserved.

Version: 1020

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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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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