IMG Annual Multi-Trip Travel Medical Insurance For expats and global travellers

Comprehensive annual multi-trip travel medical insurance

The IMG annual multi-trip travel medical insurance for expats and global travellers is designed for those that take multiple trips throughout the year outside their home country.

The plan offers ease and convenience of purchasing a single annual plan at an affordable annual premium.

The plan can be renewed for up to 3 years and is also Schengen Visa compliant.

If you are unlikely to have multiple trips in any given year you may wish to consider the IMG Patriot Single Trip travel medical insurance plan.

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty.

Plan Highlights

Annual multi-trip travel medical insurance for individuals, families and groups

Deductible of $250

Maximum limit of $1,000,000

No worries or concerns that a credit card may be maxed out or may not meet the requirements of a hospital administrator

Acute onset of pre-existing conditions

Coverage for multiple trips up to 30 or 45 days

Flexibility to travel as many times per year

Coverage up to age 75

Purchase cover either prior to or after reaching your destination

COVID-19 covered same as any other illness - restrictions apply only to Patriot American Plus plan - see Covid-19 Updates

Suitable For

Vacations / Holidays

Visitors / Immigrants

Employers / Business Travellers

Schengen Visa Compliant - Embassy Confirmation Letter Auto Generated

What is annual multi-trip travel medical insurance?

Multi-Trip travel medical insurance plans offer coverage for you, your spouse and/or children for each trip taken outside your home country and/or country of citizenship during a period of 12 months with renewability up to three years, in accordance with the terms of the Certificate of Insurance.

Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service representatives, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

You also have access to more than 17,000 providers using IMG's International Provider AccessSM (IPA) seeking treatment outside the U.S. You can reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization

Optional Riders

  • Adventure Sports Option Riders * Select If Scuba Diving *

    The Adventure Sports Rider is available for those up to the age of 65.

    The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:

    • absailing

    • BMX

    • bobsledding

    • bungee jumping

    • canyoning

    • caving

    • hang gliding

    • heli sking

    • high diving
    • hot air ballooning

    • inline skating

    • jet sking

    • jungle zip lining

    • kayaking

    • mountain biking

    • parachuting

    • paragliding

    • parascending
    • piloting non-commercial aircraft

    • rappelling

    • rock climbing / mountaineering (ropes & guides to 4500m from ground level)

    • scuba diving (to 50m)

    • skydiving

    • snorkelling

    • snow boarding

    • snowmobiling

    • snow sking
    • spelunking

    • surfing

    • trekking

    • whitewater rafting (to class V)

    • wildlife safaris

    • snorkelling

    • windsurfing


    Lifetime Maximum

    0 - 49


    50 - 59


    60 - 64


    All activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.

    Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider.

    Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions.

    For additional information, please refer to the Certificate of Insurance.

  • Evacuation Plus Option Rider

    This optional rider is available to insureds up to age 65.

    It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary.

    It also offers coverage for evacuations as a result of a natural disaster.

    This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

    Non Life-threatening Medical Evacuation

    Up to a maximum of $25,000

    Natural Disaster Evacuation

    Up to a maximum of $5,000


    This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract.

    Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.