Review of Patriot T.R.I.P. Elite from International Medical Group

Editor Review

The Good: A premier offering from IMG, this package plan includes a good number of covered reasons for trip cancellations and interruptions. In addition, travel delays, enhanced baggage coverage, emergency medical treatment and evacuations are also covered. This is a package plan with comfortable limits for international and domestic vacations. This plan is re-packaged from iTravelInsured.

The Drawbacks: Available only to U.S. residents traveling at least 120 miles from home.

The Bottom Line: IMG is typically focused on travel medical, but this is one of their travel insurance package plans with premium benefits. It offers all the essential trip coverage expected, but no options are available to enhance the plan.

Coverage

Benefits	Maximum
Trip cancellation	100%
Trip interruption	150%
Missed connections (24 hours or more)	$500
Travel delays (24 hours or more)	$200 per day/$1,000 maximum
Medical expenses	$50,000
Emergency evacuations	$1,000,000
Baggage loss	$2,000
Baggage delay (0 hours or more)	$500
AD&D	$100,000 (flight accident)

Plan Details

This plan is unique in that it provides the following:

Covered reasons for trip cancellation and interruption are inclusive of financial default, labor strikes, jury duty, cancelled leave, employer layoff, and more.
Travel delay coverage includes missed cruise departure, natural disasters, and more.
Baggage loss benefit includes theft of check baggage or baggage stored within your hotel.
Includes emergency reunion or return of mortal remains up to $3,000.
An additional benefit of $250 is provided in the event of violent attack of the insured.

Limitations

The following are the limitations on this plan’s coverage:

No ‘cancel for any reason’ coverage or ‘cancel for work reasons’ coverage available.
No car rental collision coverage available.
No missed connection coverage available.