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Patriot International Lite Travel Insurance

Best travel insurance plan with pre-existing coverage for travel outside USA

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Patriot America Lite Insurance

About Patriot International Lite

Patriot International Lite comprehensive travel medical insurance is available for both Non US citizens and US citizens traveling outside their home country,excluding USA.Available for individuals, families, and groups.Patriot International Lite insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.

This plan meets Schengen Visa or Europe Long Term visa requirements.Underwritten by Sirius International Insurance Group with a rating of “A” is most popular visitor medical insurance among international travelers visiting outside the USA.

Patriot International Lite health insurance review, Patriot medical insurance

Insurance provider
International Medical Group
Patriot International Lite Rating
AM Best Rating: "A" (Excellent)
Policy maximum

Maximum medical coverage options are: $50,000, $100,000, $500,000, $1,000,000

Deductible options

Individual deductible options are: $0, $100, $250, $500, $1000, $2500 per each injury or sickness

Plan life - 5 days to 12 months.
Patriot International Lite Insurance can be renewed online maximum up to 24 months.
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans
Coinsurance
Patriot International Lite Out of Network - 100% up to the maximum limit
100%
Patriot International Lite insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

IMG's Patriot International Lite insurance plan related links

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IMG Patriot America Lite travel insurance

Patriot international lite - Key Highlights

  • The US and its territories is excluded as a destination and Travel Insurance plan can be renewed up to 2 years.
  • The policy maximum options available are $50k, $100k, $500k, and $1M.
  • The deductible options available are $0, $100, $250, $500, $1k, and $2.5k.
  • The IMG travel insurance plan maximum lifetime is 5 days to 12 months.
  • Coinsurance is available 100% up to the maximum limit.
  • Acute onset of pre-existing condition coverage is available within the age of 70.
  • Incidental emergency coverage within the US is available for up to 2 weeks.
  • This Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.

IMG Patriot international lite visitor health insurance summary


Patriot international lite Travel insurance optional riders
  • Adventure Sports Rider
  • Chaperone/Faculty Leader Replacement Rider
  • Accidental Death & Dismemberment
  • Bolt Device Protection (Cellular Phone Rider)
  • Trip Cancellation, Interruption and Travel Delay Rider
Click here to read more

Patriot international lite Visitor insurance renewal
  • Patriot International Lite insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
  • Prior to the end of each period of coverage purchased, you will receive renewal information.
  • You have the option to renew online or you may complete a paper renewal form.
  • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.

Eligibility to buy Patriot international lite health insurance
  • This plan can be renewed up to 24 months.
  • Covers up to maximum limit, under the age of 70 years.
  • People outside their home country whose destination excludes the United States or its territories.

Patriot international lite insurance links

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Patriot International Lite Insurance cost per month for seniors

The cost of Patriot International Lite insurance for seniors is dependent on the following factors the age of the traveler,the plan maximum and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveller up to age of 79 years. For above 80 years $50,000 is available.The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveller up to age of 79 years. For above 80 years $50,000 is available.

For Example here we are showing price for one month with deductible of $100.

Age of traveler Maximum of $50K Maximum of $100K Maximum of $500K Maximum of $1M
60 - 64 years $129 $141 $152 $154
65 - 69 years $151 $164 Not Available Not Available
70 - 79 years $226 Not Available Not Available Not Available
80 - 99 years $401 Not Available Not Available Not Available

Patriot International Lite satisfies schengen visa requirements

visa

Schegen Visa Letter

  • The coverage of atleast €30,000 is mandated for the Schengen Visa and Patriot International Lite satisfies this requirement by offering the following medical maximums: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
  • The coverage for repatriation is a must under the travel insurance for Schenge Visa and the plan covers repatriation of remains up to $50,000
  • Schengen Visa requires that the insurance plan must offer a coverage for Emergency Medical Evacuation and the insured under this -plan get coverage for emergency medical evacuation up to $500,000 lifetime maximum (independent of the maximum limit)
  • Schengen Visa requires that the insurance provider must have a representive office in the schengen countries and International Medical Group has a representative bureau in the schengen countries
  • After purchasing Schengen Visa travel Schengen Visa Letter as required by the Schengen Consulates

IMG Patriot International Lite insurance - Acute Onset of Pre-Existing Conditions coverage

Covers up to maximum limit, under the age of 70 years.

Acute onset of a pre-existing condition - Emergency medical evacuation

Up to $25,000 maximum limit for up to age 70.
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Plan benefits of Patriot International Lite insurance

  In-Patient Medical Benefits
Eligible medical expenses Company pays 100% after deductible is met
Hospital room and board Average semi-private room rate, including nursing services
Surgery Up to the maximum limit
Intensive care unit Up to the overall maximum limit.
Physician visits Up to the maximum limit
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Bedside visit $1,500 maximum limit. Not subject to deductible
Prescription drugs and medications Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Physical Therapy Up to the maximum limit (Medical order or treatment plan required)
Urgent Care Clinic $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray Up to the maximum limit
Laboratory Up to the maximum limit
Outpatient Surgical / Hospital Facility Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Surgery Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Chiropractic Care Up to the maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Emergency local ambulance Up to the maximum limit
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer Company pays 100%
Emergency eye examination $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic dental injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency medical evacuation Up to $1,000,000
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation $100,000 maximum limit. Not subject to deductible
Emergency reunion $100,000 maximum limit. Not subject to deductible
Natural disaster evacuation $25,000 maximum limit. Not subject to deductible
Trip interruption $10,000 maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible
Identity theft $500 maximum limit. Not subject to deductible
Natural disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 maximum limit. Not subject to deductible
Small pet common air carrier accidental death $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Chiropractic Care $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Acute Onset of Pre-Existing Conditions Up to the maximum limit.(Insured person must be under 70 years of age) United States citizens:
Age 64 and under without a primary health plan: Maximum limit: $20k
Age 64 and under with a primary health plan: Maximum limit: $1M
Age 65 through age 69: Maximum limit: $2,500
Non-United States citizens:
Age 69 and under: Up to the period of coverage limit or $1M (whichever is lower)
Pre-Existing condition medical evacuation $25k maximum limit for emergency medical evacuation
Personal liability $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Extended care facility Up to the maximum limit
Pet return $1,000 maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit
Incidental Emergency in the U.S Up to 2 weeks
Telehealth Optional add-on available

Expand your coverage, Select your coverage options with add on benefits

Adventure Sports Rider

Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

Adventure Sports Rider - More Details

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)

Chaperone Replacement Rider - More Details

The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.

Accidental Death & Dismemberment - More Details

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

*Rider option is available in select countries on individual plans only.

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

**Rider option is available an individual plans far U.S. residents only.

Insured Person meets the eligibility requirements, they are eligible for this rider

Benefit Limits
Teladoc Consultation Mental or Nervous Disorders are not covered
Applicable in the United States
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Patriot International Lite insurance PPO network

Patriot International Lite - Provider network and how to find hospital or doctor?
United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

IMG Patriot International Lite travel insurance - Frequently asked questions

Yes Patriot International Lite insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot International Lite insurance within a 6 month time period after arriving in the US.

International Medical Group (IMG) offers the Patriot International Lite insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot International Lite Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

Yes Patriot International Lite Insurance is available up to a maximum of 364 days. Visitors to USA can renew Patriot International Lite insurance online to extend their coverage.

With your Patriot International Lite insurance, you have access to the United Healthcare Options network when seeking treatment in the U.S. This is a national network of board-certified doctors and healthcare facilities that can provide you with quality care and reduce your out-of-pocket costs.

Yes, the IMG Patriot International Lite Insurance plan meets the visa requirements for most types of visas, such as J1, J2, F1, F2, M1, M2, and A visas. These visas are usually issued for students, scholars, and cultural exchange participants who travel to the U.S. or abroad for educational or cultural purposes. The plan provides basic coverage and benefits for travelers who want an affordable protection. It covers eligible medical expenses, emergency medical evacuation, repatriation, acute onset of pre-existing conditions, and more. It also offers flexible options for deductibles and maximum limits, ranging from $0 to $25K and from $50K to $2M respectively.

Patriot International Lite Insurance Restrictions

Patriot International Lite Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.

Patriot International Lite Visitor insurance renewal

  • Patriot International Lite insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
  • Prior to the end of each period of coverage purchased, you will receive renewal information.
  • You have the option to renew online or you may complete a paper renewal form.
  • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.

Patriot International Lite Insurance Claims


CLAIMS EMAIL

Email: insurance@imglobal.com
Fax: 317-655-4505


CLAIMS PHONE

1.800.628.4664


MAIL TO

International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500

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