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

Editor Review

The Good: Designed to provide essential travel insurance coverage for trip cancellation, interruption, delays, stolen baggage and emergency medical care. This plan offers adequate limits and good list of covered reasons for trip cancellations and interruptions. This plan is re-packaged from iTravelInsured.

The Drawbacks: Available only to U.S. residents traveling at least 120 miles from home. No missed connection coverage. Medical and evacuation limits are relatively low when compared to other plans.

The Bottom Line: IMG is generally focused on travel medical insurance plans, but this is one of their package plan offerings. This plan is standard trip cancellation coverage for unforeseen travel risks and it covers the basics.

Coverage

Benefits	Maximum
Trip cancellation	100%
Trip interruption	100%
Travel delays (X0 hours or more)	$500 maximum
Medical expenses	$10,000
Emergency evacuations	$20,000
Baggage loss	$1,000
Baggage delay	$100
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 include financial default of travel supplier, terrorist incidents, labor strikes, jury duty, auto accidents, layoffs, and more.
Baggage loss benefit includes theft of check baggage or baggage stored within your hotel.
Travel delay coverage includes missed cruise departure, natural disasters, and more.
Pre-existing condition waiver if plan is purchased within 14 days of initial trip payment.
Emergency travel assistance for replacing lost travel documents or prescriptions, emergency cash transfers, plus legal and medical referrals.

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.
No 24-hour AD&D available.