Patriot Multi-trip offers separate medical plans for the US (Patriot Multi-trip International) and non-US (Patriot Multi-trip America) citizen executive traveler that provide comprehensive medical coverage while outside of the Home Country. Let the Patriot Multi-trip plans eliminate any nagging worries over what your domestic medical plan may or may not cover while you’re busy focusing on your business overseas.
Patriot Multi-trip Insurance
Plan Details
- The Patriot Multi-trip annual travel insurance provides a Policy Maximum of US$1,000,000; and for ages 70-75 the maximum is US$50,000;
- $250 per covered illness
- Outside the U.S. and Canada:
For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit. - In USA:
Within the PPO, the plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum; outside of the PPO, the plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum.
- The Period of Coverage is one year from the effective date of the Certificate of Coverage, and is non-renewable.
- Effective for one year and are non-renewable.
- The Patriot Multi-trip business travel insurance is underwritten by Sirius International.
- Administered by the International Medical Group, Inc.
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Eligibility
- For US citizens and their spouses and children, you must be under the age of 76, traveling together outside of the United States frequently throughout the year, and covered by an individual or group medical plan.
- For non-US citizens and their spouses and children, you must be under the age of 76, covered by an individual or group medical plan, and travel together frequently outside of your home country throughout the year.
- Coverage begins one year from the effective date of the Certificate of Coverage, and is non-renewable.
- Coverage will end one year from the effective date of the Certificate of Coverage, and is non-renewable.
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Plan Benefits
The Patriot Multi-trip medical plans offer a broad range of benefits including:
- Coverage and benefits for medically necessary charges that are for injuries and illnesses for which treatment is first obtained during the first 30 days of the trip;
- Dental coverage for injury due to accident or sudden pain;
- Medical evacuation expenses to the nearest qualified medical center or hospital up to $25,000;
- Emergency Reunion coverage up to $15,000, and Return of Mortal Remains coverage up to $25,000;
- Return of Minor Children and Political Evacuation coverage
- Terrorism, Identity Theft Assistance, Trip Interruption, and lost Luggage coverage; and,
- Pre-existing Conditions coverage up to $5,000 per period of coverage.
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Remarks
- PPO Network: Outside the US the plan utilizes the on-line International Provider Access database to assist in locating health care providers. Inside the U.S. the plan members can avail the First Health network (login: img).
- Cancellation: Full refund is available if the cancellation request is received in writing before the start of the plan.
- Maximum Trip Duration: 30 days
Although the Patriot Multi-trip plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods.
