Patriot Multi-Trip International Plan

Patriot Multi-Trip International Insurance

International Medical Group’s Patriot Multi-Trip International plan offers ease and convenience of purchasing through a single annual plan for individuals and/or families who take several short-term trips a year. This plan is designed for U.S. citizens under 76 who are covered by an individual or group medical plan and travel internationally frequently throughout the year.

What makes this plan so great?

  • Medical maximum limit of $1,000,000*
  • $250 deductible per covered illness
  • Coverage for frequent travelers, their spouses and/or children
  • An annual premium
  • Optional Evacuation Plus rider and Adventure Sports rider available

Patriot Multi-Trip International provides coverage for a period of 12 months with renewability up to three years. If you’re taking several trips in a 12 month period, don’t spend time seeking coverage for each trip. Use Patriot Multi-Trip International for your travel medical insurance needs and only worry about paperwork and costs once a year. International Medical Group’s Patriot Multi-Trip International plan offers the same great customer service centers, claims administration and 24 hour access to highly qualified coordinators of emergency medical services and international treatment as their other medical insurance plans.

*Medical maximum limit for travelers age 70 to 75 is $50,000


Patriot Multi-Trip International Plan Details


Maximum Limit

Ages 18 - 69: $1,000,000

Ages 70 - 75: $50,000


$250 per insured person for each covered illness. This deductible is waived for claims incurred as a result of a covered accident.


No co-insurance

For treatment received outside the U.S. and Canada

Benefit Period

If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the 30 day Benefit Period may offer continued coverage for that injury or illness.

When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than 30 days before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the $5,000 Maximum Limit, proof of current medical insurance and the other terms of the plan, until there have been thirty days of continuous coverage for the covered injury or illness.


Usual, reasonable and customary charges, subject to deductible and co-insurance

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

Out-patient 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 In-patient Admission

Up to the Maximum Limit

Emergency Room Illness without In-patient Admission

Up to the Maximum Limit with additional $250 deductible

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admission to the hospital.


Injury due to an accident: The plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit.

Sudden dental emergency: The plan pays up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical)

The plans cover up to $5,000 maximum, per insured person, per period of coverage (not per trip), for the Sudden and Unexpected Recurrence of a Pre-existing Condition (as defined in the Certificate of Insurance).

Sudden Recurrence of a Pre-existing Condition (Emergency Medical Evacuation)

Up to $25,000 is payable for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a Sudden and Unexpected Recurrence of a Pre-existing Condition.

Hospital Daily Indemnity

Up to $100 per night up to a maximum of 10 days

Patriot Multi-Trip International pays $100 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit.

International Emergency Care

When coordinated through the plan administrator

Emergency Evacuation

Up to the Maximum Limit

The Patriot Multi-Trip plan offers coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. The plan pays up to the Maximum Limit for covered incidents for insured persons under age 66; and up to $50,000 for covered incidents for insured persons from ages 66 to 75.

Emergency Reunion

Up to $50,000

The Patriot Multi-Trip plan also offers emergency reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Remains

Up to $50,000

If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000.

Up to $50,000

If an insured person is admitted to the hospital in-patient due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Multi-Trip plan will reimburse up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Political Evacuation

Up to $10,000

If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:

The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, issuance of the evacuation order; and
The evacuation order pertains to persons from the same Home Country as the Insured Person; and
Political Evacuation and Repatriation is approved and coordinated by the Company;
In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.

Additional Benefits

Common Carrier AD&D

$50,000 to Beneficiary; maximum of $250,000 per family

If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, up to a maximum of $250,000 per family.

Sports & Activities

Up to the Maximum Limit for basic sports as described below

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.


$25,000 principal sum

Terrorism Coverage

$50,000 lifetime maximum

The Patriot Multi-Trip plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.

This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.

Identity Theft Assistance

Up to $500 per Period of Coverage

If an imposter obtains key personal information such as a Social Security or Driver’s License number, or other method of identifying an insured person in order impersonate or obtain credit, merchandise or services in the insured person’s name, the Patriot Multi-Trip plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen identity event; notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and /or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person’s knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

The identity theft event must occur during the Period of Coverage.

Trip Interruption

Up to $5,000

If, during a covered trip, there is an Unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Multi-Trip plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Lost Luggage

Up to $50 per item of luggage; maximum of $250

A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s.

For full policy information, see your policy certificate for details.

Patriot Multi-Trip International Frequently Asked Questions

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Are vision and dental benefits covered under a short-term medical plan?

Unless state-mandated, vision and dental are not covered under a short-term medical plan. Emergency dental work due to an accident may be included under a standard plan.

How do I extend or renew my coverage?

Extension or renewal options vary from plan to plan. Some plans are not extendable or renewable, and some are only renewable if you purchase a minimum number of months. If your plan is renewable or extendable, you must renew before the expiration date. Otherwise, you will need to reapply and satisfy new deductibles or waiting periods. Policies do not automatically renew; you will receive your renewal notice by email.

How early should I purchase my travel insurance?

You may need to buy your coverage quickly. Certain plans, such as trip cancellation plans, have benefits that are not available unless you purchase your coverage within 10-15 days of your initial down payment on your trip. Trip cancellation may exclude pre-existing conditions, or not offer a “Cancel for Any Reason” benefit if you purchase coverage after a certain number of days from the time that you make your initial trip deposit. See the brochure for details.

If I am exposed to Ebola and quarantined what will my international medical insurance cover?

You may be covered if you have to be quarantined due to Ebola.

Policies can provide coverage for cancellation and interruption due to you or your traveling partner or family member being quarantined. If the need for quarantine affects your trip, Trip Interruption coverage may be available to cover the cost to catch up to your trip once you have been cleared to travel. Also, coverage may also be available through the Trip Cancellation provision of your policy if you are required to cancel your trip due to the quarantine.

Policies that offer this type of coverage will list “Quarantine” as a covered reason under the policy’s Trip Cancellation and Trip Interruption benefit.

Coverage is subject to change as conditions related to Ebola change.

For up-to-date information, travel warnings and breaking news, visit:

What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936

What insurance documents do I need to take on my trip?

Now that your travel insurance is in place, it’s important that you take a few documents with you on your trip and also leave a copy of these at home with a family member or friend.
1. Your confirmation of coverage document.
2. The insurance’s company’s emergency contact phone number.
3. Your policy number.
4. Your coverage and benefits policy pages.
Before your trip be sure that you have read your policy and are familiar with the benefits available so you can ask questions if there is something unclear.

What is a pre-certification requirement?

Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.

Patriot Multi-Trip International Claims & Assistance

  • International Medical Group, Inc.
  • 2960 North Meridian Street
  • Indianapolis
  • IN, 46208

1-317-655-4500 (outside US)


1-317-655-4500 (outside US)