Multi-Trip medical insurance -Individuals /Families

Typically, any adult under the age of 75 (depending on the provider) who travels frequently and maintains health insurance in their home country is eligible. Families with children are also eligible under many plans.

If your trip exceeds the allowed days per trip under your annual policy, you may lose coverage for the additional days. Some insurers allow you to add optional extensions, so it's wise to plan ahead.

Most multi-trip medical insurance policies are designed for international travel only. For domestic trips, you’d likely rely on your existing health insurance unless your plan explicitly states domestic benefits.

Yes, many plans have a deductible that resets per trip. Review your plan details carefully to understand the deductible amount and how it applies to each new journey.

Yes, most providers allow you to include spouses and dependents. Many even offer family plans that reduce the total cost compared to purchasing individual plans for each family member.

It’s an annual travel medical policy that covers multiple trips in a year under one plan. Instead of buying insurance for each trip, you purchase a single policy and can travel frequently, as long as each trip doesn’t exceed the maximum trip duration limit (typically 30, 60, or 90 days).

Ideal for individuals or families who frequently travel outside their home country during the year, including business travelers, digital nomads, and globetrotters.

For example, the Patriot Multi‑Trip SM plan offers coverage durations per trip of up to 30, 60, or 90 days. Coverage resets after you return home, and you can go on another trip within the annual coverage period

Core benefits typically include:

• Emergency medical treatment (accidents, illness)
• Hospitalization
• Doctor visits
• Prescription medication
• Emergency medical evacuation
• Repatriation of remains
• In‑network coverage in the U.S. (100% up to max), and out‑of‑network at 80% after deductible, then 100% after $1,000, depending on plan

• For ages under 70, coverage can go up to $1,000,000 per trip.
• For ages 70–79, the maximum is typically $50,000

A standard deductible is $250, though other deductible levels may be available depending on the specific plan.

Yes. Many annual multi‑trip policies allow you to extend coverage for a single trip, up to a set maximum (typically up to 36 months total continuous coverage)