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Patriot Multi Trip Insurance

Patriot MultiTrip Annual Travel Plan for Frequent Visitors

Review the Patriot Multi-Trip Insurance plan that offers comprehensive annual travel medical coverage benefits for multiple trips over the year. Patriot Multi-Trip plan is suited for corporate professional, business executives, or frequent travelers visiting USA or traveling outside home country.

COVID-19 / SARS-CoV-2 / Coronavirus  Patriot Multi-Trip plan DOES NOT include coverage for testing/treatment of COVID19 after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.

Patriot MultiTrip Insurance is a short-term international travel medical insurance coverage that offers protection up to three years for travelers (individual or family) who make multiple visits to USA or take frequent trips abroad throughout the year. The plan is best suited for business executives or trade professionals or global residents who as frequent USA visitors or international travers need a simple annual policy to buy and not worry about purchasing the coverage each time they travel outside their home country. This plan is designed for those that take multiple trips throughout the year outside their home country and offers the ease and convenience of purchasing a single annual plan at an affordable annual premium.

Patriot Multi-Trip Insurance is designed for individuals and families who travel frequently outside their home country throughout the year. The plan offers the ease and convenience of purchasing an affordable single annual premium plan that provides coverage for trips up to 30 or 45 days in length for each trip taken during a period of 12 months. The plan provides up to $1,000,000 of medical coverage and services.

Patriot MultiTrip Travel Insurance offers two plans choices – Patriot Multi-Trip America provides coverage for non-U.S. citizens traveling outside their home country, and Patriot Multi-Trip International provides coverage for U.S. citizens traveling outside the United States.

You can renew or extend an existing Patriot MultiTrip policy on an annual coverage basis. This plan is administered worldwide by International Medical Group (IMG) and policy underwritten by Sirius Specialty Insurance Corporation.

Patriot MultiTrip Insurance Review

Annual Travel Insurance

VIS Product Rating:

Notes: Annual travel medical plan suited for business travelers making frequent trips outside home country, each with duration of 30 or 45 days, or less. Plan is secondary to primary health policy in home country.

Eligibility: Busy individuals and/or family, above age 14 days, and visiting the USA, or traveling outside home country.

Coverage Duration: Annual plan with coverage of 1 year (365 days)


  • Member maximum limits: $50K to $1 million
  • Choice of deductible: $0 to $2,500
  • AD&D benefit: $25K (included), additional to $1 million

PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.

Renew or Extend: Not renewable, purchase new policy coverage next year.

Other Highlights

  • Business travelers frequently visiting the USA
  • Busy professional or executives needing annual plan
  • Sickness/injury plan for coverage worldwide
  • Acute-onset of pre-conditions included
  • Quote & purchase a single policy online
  • Optional riders to policy available

Patriot Multi-Trip Insurance Policy Information

Review the IMG Patriot Multi-Trip Insurance policy offering annual comprehensive travel medical coverage for multiple short trips of 30 or 45 days duration or less overs the course of a year. Patriot Business Travel Insurance covers multiple trips in a year.

Two plan options are available:

  • Patriot Multi-Trip America for foreign residents visiting the USA (and other nations).
  • Patriot Multi-Trip International for USA residents or foreign residents traveling abroad outside America to any destination country outside their home country.

Patriot MultiTrip is a short-term professional business travel health insurance, extendable and renewable annually for 12 months of coverage.

Patriot Multi-Trip Insurance - Plan Overview

Patriot Multi-Trip Insurance review of plan highlights:

  • Eligibility: Annual plan for frequently visiting USA or traveling abroad.
  • Two plan designs – one for U.S. citizens and one for non-U.S. citizens
  • Multiple trip coverage throughout the year – choice of 30 days or 45 days in length
  • Coverage for frequent travelers, their spouses and/or children traveling for a period of 12 months
  • Maximum Limit $1,000,000 with individual deductible – $250 per each covered illness
  • Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits.
  • Common Carrier Accidental Benefit and Accidental Death and Dismemberment (AD&D)
  • Immediate coverage available, print virtual ID cards instantly after purchase.
  • Annual premium for full year of coverage and a single policy purchase
  • Coverage available for dependent(s) and/or spouse
  • Universal Rx pharmacy discount savings with prescription card
  • Guarantee issued policy as no medical underwriting to determine eligibility
  • Freedom to seek treatment with the hospital or doctor of your choice
  • Emergency medical evacuations and repatriation of mortal remains
  • Political evacuations and terrorism coverage included
  • Sports coverage for certain extreme or hazardous adventure sports activities
  • Crisis response benefit to offset ransom, personal belongings surrendered during a kidnapping, and expenses and fees.
  • Personal liability benefit useful for business persons
  • Renew online to extend policy coverage dates up to 12 months.
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Administered by International Medical Group (IMG)
  • Underwritten by Sirius International Insurance Corporation

Patriot Multi-Trip Plan Details

Patriot Platinum policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country.

  • Eligibility: Visitors to USA and any traveling outside their home country to the United States. All applicants must maintain permanent residency outside of the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children, or even if children traveling alone.
  • Duration: Minimum period of 15 days initial purchase, to maximum coverage duration of 1 year (365 days).
  • Maximum Amount: Plan offers maximum coverage choices for visitors ages below 70 years: Plan A: $50,000, Plan B: $100,000, Plan C: $250,000, Plan D: $500,000, and Plan E: $1,000,000; amounts are for the life of the plan or coverage duration. For visitors age 70 – 79 years, maximum coverage choices up to $100,000 (plans A and B only); for travelers 80 years and older, coverage maximum is US$20,000.
  • Deductible: Choice of USD $0, $50, $100, $250, $500, $1000, $2500, or $5,000 deductible (accumulated amount) per person per certificate plan period.
  • Co-Insurance:
    Traveling to the United States: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
  • Pre-Existing Condition: Exclusion: 24 Months prior to the start date of coverage.
  • Emergency Medical Evacuation and Repatriation: $500,000
  • Return of Mortal Remains: $50,000
  • Emergency Medical Reunion: $50,000
  • Return of Minor Child: $50,000
  • Interruption of Trip: $5,000
  • Loss of Baggage: $50 per article; up to a maximum of $250
  • Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $100
  • Accidental Death and Dismemberment: $25,000 (Enhanced Benefit Amounts available) with paralysis and
    coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
  • Political and Natural Disaster Evacuation: $50,000
  • Travel Assistance: Travel assistance services are also available.
  • Optional Plan Enhancements: Athletic & Hazardous Activity Benefit available for team and other dangerous sport activity as specified.
  • Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs.
  • Administrator: Patriot Platinum is administered by International Medical Group, Inc. (IMG)
  • Underwriter: Patriot Platinum is underwritten by Sirius Specialty Insurance Corportation, rated “A” (excellent) by A.M. Best.

Patriot Multi-Trip Insurance - Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.

Patriot Multi-Trip - Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

Patriot Multi-Trip Insurance PPO Network

IMG Patriot MultiTrip Travel Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

  • Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Patriot Multi-Trip Insurance - Quote/Buy Online or Apply

Quote/Buy instantly online or print/complete the paper application along with the payment.

Patriot Multi-Trip Insurance - Renew/Extend Coverage

IMG Patriot MultiTrip Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

Patriot Multi-Trip Insurance Client Dashboard

Patriot Multi-Trip America plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

  • Client Dashboard: Access the Patriot Multi-Trip Plan on the IMG Client Resources dashboard for existing policyholders.
  • Claim Form: Download and submit the Patriot Multi-Trip Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Patriot Multi-Trip Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Patriot Multi-Trip Insurance Plan Questions & Answers

Below are some of the questions frequently asked with the Patriot MultiTrip insurance plan gathered over many years:

What are some of the salient features of the Patriot Multi-Trip policy?

Patriot MultiTrip Insurance Highlights

Patriot MultiTrip Insurance plan highlights are as follows:

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.