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You are here: Home > Companies > IMG > Patriot T.R.I.P. Essential

International Medical Group – Patriot T.R.I.P. Essential

Editor Review

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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.

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Coverage

BenefitsMaximum
Trip cancellation100% ($25,000 maximum)
Trip interruption100%
Missed connections (8 hours or more)25% of trip cancellation benefit/$500 for common carrier
Travel delays (12 hours or more)$125 per day/$500 maximum
Medical expenses$10,000
Emergency evacuations$20,000
Baggage loss$1,000
Baggage delay (24 hours or more)$100
AD&D$25,000 (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 medical quarantine, natural disasters, and more.
  • Emergency medical reunion up to $3,000 per insured person.
  • 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.
  • Pre-existing medical conditions are not covered (with some limits where coverage is allowed)
  • No car rental collision coverage available.
  • No 24-hour AD&D available.

Related International Medical Group Plans

  • Patriot T.R.I.P.
  • Patriot T.R.I.P. Elite
  • Patriot T.R.I.P. Student
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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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