MH Ross Advantage Complete

The Advantage Complete plan offers the highest limits of coverage of the four MH Ross plans, and offers a broad range of covered reasons for Trip Cancellation and Trip Interruption. Under Trip Cancellation there is Hurricane warning coverage, which is beneficial if you will be traveling during hurricane season and you have to cancel your trip within 24 hours of the scheduled departure date due to your destination being under a hurricane warning issued by the NOAA National Hurricane Center. This coverage allows you more flexibility as you can cancel your trip if your destination is under a hurricane warning, and you don't feel comfortable traveling (this coverage goes into effect 15 days after your plan effective date).

As well as offering Trip Cancellation and Trip Interruption, this plan also offers Cancel For Any Reason which allows you to cancel your trip up to two days prior to the scheduled departure date for something other than a covered reason. Reimbursement under Cancel For Any Reason is up to 75% of your pre-paid non-refundable trip cost. This coverage is time sensitive and must be purchased within 15 days of your initial trip payment (see full details for all eligibility requirements).

On top of these coverages to protect your monetary investment, this plan also offers coverage for Baggage, Travel Delay, Medical, Emergency Medical Evacuation, and Accidental Death & Dismemberment. Optional extended personal property coverage is available as well as optional sports coverage.

The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.

Plan Info
Plan Type
View Certificate
View Certificate
Refund Policy
14 Day Review Period
Insurance Underwriter
Arch Insurance Company
AM Best Rating
Years in Business

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost
Trip Interruption
Trip Cost + 100%
Financial Default
14 Day Wait
Terrorism in Itinerary City
Foreign & U.S Domestic
Interrupt for Any Reason
Cancel for Any Reason
75% of non-refundable trip cost [Requires purchase within 15 days of Initial Trip Payment and certain conditions to be met]
Baggage Loss
$300 Per Article Limit
$600 combined max. for specified items
Baggage Delay
12+ hours
$400 max.
Travel Delay
6+ hours
$1,000 max.
Supplier Default
Medical Limit
Complications of Pregnancy
$750 Incl. in Medical
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
If insurance purchased within 15 days of Initial Trip Payment and certain conditions are met
Lookback Period
60 Days
Pre-Existing Condition Period
Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-Hour
Flight Only
$100,000 (+$)
$250,000 (+$)
$500,000 (+$)
Additional Benefits
24-Hour Emergency Assistance
Rental Car
$35,000 (+$)

Extended Personal Property Pac
Extended Personal Property Pac (+$)

Sports Upgrade Pac
Sports Upgrade Pac (+$)

Cancel for Work Reasons Benefit Included

Hospital of Choice Evac Included

Non-Medical Emergency Evacuation $25,000
Available to
U.S. Residents

Customer Ratings

Our customers rate the International Medical Group Patriot America plan on our site

on average based on 83 reviews.

Better Business Bureau Rating
No Rating Available

A.M. Best Rating

Latest Reviews

M.H. Ross
Advantage Complete
The purpose of getting insurance is that anything can happen at any time. It was good to know that my trip was covered in case of cancellation beyond my control. The premium was good considering the trip cost. Overall, I am pleased.
Terrance H.
M.H. Ross
Advantage Complete
Called to discuss what type of coverage I wanted for a winter snowboarding holiday. Service was very helpful, and the policy was sorted out over the phone, with documents emailed to me straight away. Excellent service and will use again.
Mark H.
M.H. Ross
Advantage Complete
Thankfully we did not have to use it for any claims but it was wonderful knowing it was in place should we have to. My only concern is the price of the policy which is how it is with any insurance plan. The price seemed high, $700 for a $5400 trip. But for the coverage, if we had needed it, it was a relief knowing it was there. I will always use InsureMyTrip for trip insurance rather than what the cruise or airline companies offer. I love the choice of selecting the product.
James B.
See all reviews

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