| Overview |
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Short Term Travel Coverage |
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Patriot Travel Medical Insurance
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Designed for the international traveler
There are two Patriot products available to meet your needs and provide up to US$2,000,000 of medical coverage. |
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• Patriot International® for U.S. Citizens
Patriot International provides coverage for U.S. citizens traveling abroad for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years. |
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• Patriot America® for Non U.S. Citizens
Patriot America provides coverage for non-US citizens traveling outside their home country for a minimum of 5 days up to a maximum of two years. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years. |
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Trip Cancellation Programs |
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| Patriot T.R.I.P.® "Lite" |
| Coverage for trip cancellation, travel delays, and baggage delays. Program only available with Patriot Travel Medical Insurance or Global Medical Insurance. |
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IMG recommends trip cancellation programs from iTravelInsured® through membership in National Small Business Travel & Health Association (NSBTHA):
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Patriot T.R.I.P.® |
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Patriot T.R.I.P. "Lite"® |
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Patriot T.R.I.P. Elite® |
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Patriot T.R.I.P. Student® |
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PROGRAM COST
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• Patriot T.R.I.P. "Lite"®
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| The total cost of trip for all travelers multiplied by the program factor .0452 |
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| SAMPLE RATE CALCULATION |
| Factor X Total Cost of trip for all travelers = Trip Insurance Premium |
| .0452 X $5,000 = $226.00 |
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| • Patriot T.R.I.P.® |
| The program cost for each individual is determined by first calculating the individual's age by subtracting his or her birth year from the current year. The individual's trip cost is then multiplied by the factor for the appropriate age range as shown in the table below. |
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| Age Range |
0 - 49 |
50 - 59 |
60 - 69 |
70+ |
| Factor |
.0400 |
.0549 |
.0698 |
.1015 |
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| • Patriot T.R.I.P.® Elite |
| The program cost for each individual is determined by first calculating the individual's age by subtracting his or her birth year from the current year. The individual's trip cost is then multiplied by the factor for the appropriate age range as shown in the table below. |
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| Age Range |
0 - 49 |
50 - 59 |
60 - 69 |
70+ |
| Factor |
.0504 |
.0691 |
.0876 |
.1272 |
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| • Patriot T.R.I.P.® Student |
| The travel insurance program cost for each student is calculated by multiplying the program factor by the total trip cost thus giving you the trip insurance premium. Please see the sample rate calculation below. |
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| Age Range |
0 - 25 |
| Factor |
.0253 |
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| This program is available to any student under age 26 and enrolled in school or summer camp. |
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| SAMPLE RATE CALCULATION |
| Factor X Total Trip Cost = Trip Insurance Premium |
| .0253 X $1000 = $25.30 |
