Patriot Multi-Trip Travel Medical Additional Coverage Information

Conditions of Coverage

  1. The Period of Coverage is for one year from the effective date of the Certificate of Coverage.
  2. Coverage and benefits are subject to the applicable deductible, and the other terms of the plan as contained in the complete Certificate Wording and Master Policy.
  3. Coverage under the Patriot Multi-Trip plan is secondary to any other coverage or contractual benefits.
  4. 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 days of the trip.
  5. Charges must be administered or ordered by a physician.
  6. Charges must be incurred during the Period of Coverage.
  7. Claims must be presented to IMG for payment within the Period of Coverage, or during the three months immediately following the Period of Coverage.

 Eligibility

(U.S. citizens) You, your spouse and children are eligible for Patriot Multi-Trip International while traveling outside the United States if you: 1) are under the age of 76, 2) are covered by an individual or group medical plan, and 3) travel outside the United States frequently throughout the year.

(Non-U.S. citizens) You, your spouse and children are eligible for Patriot Multi-Trip America while traveling outside your home country if you: 1) are under the age of 76, 2) are covered by an individual or group medical plan, and 3) travel outside your home country frequently throughout the year.


 Renewal of Coverage

The Patriot Mult-Trip plan may be renewed (unless there is a break in coverage) in increments of 12 months up to a maximum total of thirty-six (36) continuous months.  Any one Period of Coverage may not exceed 12 months.  Please note: Renewal rates may differ from initial rates.


 Quality Guarantee

Your satisfaction is very important to IMG and the plan underwriter. 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 your premium.

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.