Annual Worldwide Travel Insurance

Worldwide annual travel insurance that covers all your trips throughout the year?  Yes please!

Now available at Tenzing Pacific Insurance Services, you can purchase an international travel insurance plan that covers your worldwide for up to $1,000,000 USD.

This annual travel insurance policy is designed for the frequent traveller, who would like the convenience of taking out one policy/year, rather than on a per trip basis.

This is annual travel insurance is not designed for US citizens travelling back to the US. For that, please go here.

Key Facts about the Provider

Provider: IMG Global

Underwriters: Sirius International Insurance & Lloyd’s

Coverage Area: Worldwide, including the USA

Available to: Individuals, Families & Groups of 5+, any nationality, up to age 75

International Provider Access:
Yes, you have access to worldwide network of hospitals & clinics

Treatment in US
Yes, using their Preferred Provider Network

Accessible Technology
Access to 24-hour, online portal, MyIMG to search for providers, manager your account, Live Chat with IMG representatives, view policy documents & submit/track any claims.

Trip Options
Can select between for coverage up to 30 or 45 days per trip.

PLAN INFORMATION AND HIGHLIGHTS
Maximum Limit$1,000,000
Maximum Limit for travelers aged 70-75$50,000
Individual Deductible$250 for each covered illness
Coinsurance – Treatment received outside of the US and CanadaNo Coinsurance
Coinsurance – Treatment received within the US and CanadaIn the PPO Network – The plan pays 90% of eligible medical expenses up to $5000, then 100% up to maximum limit.

 

Out of the PPO Network – The plan pays 80% of the eligible medical expenses up to $5000, then 100% up to the maximum limit.

Benefit Period$5000 for maximum of 30 days with proof of current medical insurance
MyIMG24-hour secure access from anywhere in the world to manage your account
World Class Medical BenefitsCoverage available for inpatient and outpatient costs
International Emergency CareA wide range of emergency benefits, including medical evacuation, emergency reunion, return of mortal remains, return of minor children and more
SCHEDULE OF BENEFITS (All coverages, benefits and premium amounts are shown in US Dollars)
Hospital Room and BoardUp to the maximum limit for average semi-room rate
Intensive CareUp to the maximum limit
Medical ExpensesUp to the maximum limit
Outpatient Medical ExpensesUp to the maximum limit
Local AmbulanceUp to the maximum limit
Emergency Room AccidentUp to the maximum limit
Emergency Room Illness with Inpatient AdmissionUp to the maximum limit
Emergency Room Illness without Inpatient AdmissionUp to the maximum limit with additional $250 deductible
Dental – Injury due to accidentUp to the maximum limit
Dental – Sudden Dental EmergencyUp to $100
Hospital Daily Indemnity (For US Citizens)Up to $100 per night up to a maximum of 10 days
INTERNATIONAL EMERGENCY CARE (When coordinated through the plan administrator)
Emergency Medical EvacuationUp to the maximum limit
Emergency ReunionUp to $50,000
Return of Mortal RemainsUp to $50,000
Return of Minor ChildrenUp to $50,000
Political EvacuationUp to $50,000
Identity Theft AssistanceUp to $500 per period of coverage
ADDITIONAL BENEFITS
TerrorismUp to $50,000 lifetime maximum
Sports and Activities CoverageUp to the maximum limit for basic sports
Sudden and unexpected Recurrence of Pre-Existing Medical Condition – MedicalUp to $5,000 per period of coverage
Sudden and unexpected Recurrence of Pre-Existing Medical Condition – Emergency Medical EvacuationUp to $25,000 of eligible costs and expenses
Trip InterruptionUp to $5,000
Common Carrier Accidental Death$50,000 to beneficiary, maximum of $250,000 per family
Accidental Death and Dismemberment$25,000 Principal Sum
Lost LuggageUp to $50 per item of luggage, maximum $250
PLAN RATES – INDIVIDUAL
PATRIOT MULTI-TRIP INTERNATIONAL (Group Rates for US Citizens, rates are through age 75)
Maximum Trip Duration30 days per trip45 days per trip
Annual Premium$200$245
Spouse and 2 children$100$122
Each additional child$40$49

 

 

PATRIOT MULTI-TRIP AMERICA (Group Rates for US Citizens, rates are through age 75)
Maximum Trip Duration30 days per trip45 days per trip
Annual Premium$285$350
Spouse and 2 children$145$180
Each additional child$57$70
PLAN RATES – GROUP
PATRIOT MULTI-TRIP INTERNATIONAL (Group Rates for US Citizens, rates are through age 75)
Maximum Trip Duration30 days per trip45 days per trip
Annual Premium$180$220
Spouse and 2 children$90$110
Each additional child$36$44

 

PATRIOT MULTI-TRIP AMERICA (Group Rates for US Citizens, rates are through age 75)
Maximum Trip Duration30 days per trip45 days per trip
Annual Premium$225$315
Spouse and 2 children$130$160
Each additional child$51$63