Patriot Multi-Trip Group

IMG

Annual multi-trip insurance plan for groups of travelers. Offers group coverage for five or more people who travel frequently outside their home country throughout the year.

Highlights:

– Short-term international travel medical insurance
– Coverage for groups that travel frequently, their spouses and/or children traveling for a period of one year
– Two plan designs – one for U.S. citizens and one for non-U.S. citizens
– Maximum Limit $1,000,000
– Individual deductible – $250 per covered illness
– Annual premium discounted from Patriot Multi-Trip individual plan
– Freedom to seek treatment with the hospital or doctor of your choice
– Universal Rx pharamacy discount savings
– Multiple trip coverage throughout the year – choice of 30 days or 45 days in length
– 24 hour secure access from anywhere in the world to manage your account at any time

Who the plan is designed for:

Groups of people under 76 who are covered by an individual or group medical plan, and travel outside their home country frequently throughout the year.

General

Coinsurance
For treatment received outside the U.S. & Canada: No coinsurance | For treatment received within the U.S. & Canada: In the PPO Network: pays 90% up to $5,000, then 100% up to the Maximum Limit ; Outside the PPO Network: Pays 80% up to $5,000, then 100% up to the Maximum Limit
Medical Benefits

Hospital Room and Board
Up to the Maximum Limit for average semi-private room rate
Surgical Treatment
After deductible & coinsurance, up to the Maximum Limit
Intensive Care
After deductible & coinsurance, up to the Maximum Limit
Physician Visits
After deductible & coinsurance, up to the Maximum Limit
Surgical Treatment (Outpatient)
After deductible & coinsurance, up to the Maximum Limit
Prescription Medication
After deductible & coinsurance, up to the Maximum Limit
Diagnostic Procedures
After deductible & coinsurance, up to the Maximum Limit
Pre-Existing Conditions
Acute Onset of Pre-existing Condition up to $5,000 maximum, per insured person, per period of coverage
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
No Coverage
Ambulance
After deductible & coinsurance, up to the Maximum Limit
Emergency Room
After deductible & coinsurance, up to the Maximum Limit
Hospital Indemnity
Up to $100 per night up to a maximum of 10 days
Dental Benefits

Unexpected pain to sound natural teeth
Up to $100
Accident related Emergency
After deductible & coinsurance, up to the Maximum Limit
Life Insurance

Accidental Death & Dismemberment
$25,000 principal sum
Common Carrier Accidental Death
$50,000 to Beneficiary; maximum of $250,000 per family
Other Travel Benefits

Emergency Medical Evacuation
Up to the Maximum Limit for insured persons under age 66; and up to $50,000 for covered incidents from ages 66 to 75.
Return of Mortal Remains or Cremation/Burial
Up to $50,000
Emergency Reunion
Up to $50,000
Return of Minor Children
Up to $50,000
Trip Interruption
Up to $5,000
Loss Luggage
Up to $50 per item of luggage; maximum of $250
Terrorism
$50,000 lifetime maximum
Coverage Information
Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.