US Travel Insurance Online

 (877) 340 7910

Patriot America Lite Travel Insurance

Best comprehensive travel insurance for Non US citizens traveling to the USA.

Quotes for Patriot America Lite insurance cost

Age & Citizenship

Including USA

Start Date
End date
Are you traveling in a group?

Get quotes for groups of five or more people traveling outside their home country!

Patriot America Lite Insurance

About Patriot America Lite

Patriot America Lite offers comprehensive short term medical insurance coverage to international travelers traveling outside their residence country whose destination includes the United States or its territories. It is popular among visitors to US and is offered by a top rated insurance provider with a AM best rating of “A” (excellent).

Patriot America Lite visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years. US citizens living abroad and visiting USA can also buy Patriot America Lite Insurance.

Patriot America Lite health insurance review, Patriot medical insurance

Insurance provider
International Medical Group
Patriot America 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 America Lite Insurance can be renewed online maximum up to 24 months.
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans
Patriot America Lite In Network - The plan pays 100%
Patriot America Lite Out of Network

The plan pays 80% of eligible expenses up to $5000, then 100% up to the Maximum Limit.

Patriot America Lite insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

IMG's Patriot America Lite insurance plan related links

  • Benefits
  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Application
IMG Patriot America Lite travel insurance

Patriot America Lite - Key Highlights

  • Plan is available for both US citizens and Non US citizens living abroad visiting the US
  • Plan co insurance factor: This plan pays 100% after the deductible for a claim expense, when the treatment is received within the PPO and for treatment received outside the PPO, the plan pays 80% of eligible expenses up to $5000 and then 100% up to the maximum limit.
  • Patriot America Lite offers coverage for adventure sports and other sports activities.
  • This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US
  • This plan can be renewed for up to 2 years.

IMG Patriot America Lite visitor health insurance summary

Patriot America 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 America Lite Visitor insurance renewal
  • Patriot America Lite visitor 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 America Lite health insurance
  • People travelling outside their home country whose destination includes the US and its territories.
  • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips

Patriot America Lite insurance links

Get connected

Patriot America Lite Insurance cost per month for seniors

The cost of Patriot America Plus 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.

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 $146 $192 $285 $292
65 - 69 years $168 $215 $316 $323
70 - 79 years $250 Not Available Not Available Not Available
80 - 99 years $422 Not Available Not Available Not Available

Plan benefits of Patriot America Lite insurance

  In-Patient Medical Benefits
Eligible medical expenses Up to the maximum limit
Home Nursing Care Up to the maximum limit (Upon direct transfer from an acute care facility)
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.
Bedside visit $1.5k maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Supplemental Accident Maximum limit per covered accident: $300
Physician visits Physician visits or services: Up to the maximum limit
Prescription drugs and medications? Up to the plan maximum limit, may not exceed $250k (Dispensing limit per prescription: 90 days))
Urgent Care Clinic $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Physician visits Up to the maximum limit
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray Up to the maximum limit
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory Up to the maximum limit
Outpatient Surgical / Hospital Facility Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Physical Therapy Up to the maximum limit (Medical order or treatment plan required)
Pre-Admission Testing Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Prescription Drugs and Medications Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Reconstructive 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 $1M
Emergency reunion $100k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children $100k maximum limit. Not subject to deductible
Political evacuation and repatriation $100k maximum limit. Not subject to deductible
Remote transportation $5k per certificate period / $20k maximum limit
Emergency reunion $100k maximum limit. Not subject to deductible
Natural disaster evacuation $25k maximum limit. Not subject to deductible
Natural disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Return travel $10k 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)
Identity theft $500 maximum limit. Not subject to deductible
Terrorism Up to $50k maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. 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: $2.5k
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
Accidental death & dismemberment $50k principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Common carrier accidental death $25k per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible
Pet return $1k maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit
Extended care facility Up to the maximum limit
Personal liability $25k 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

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.

Patriot America Lite insurance PPO network

Patriot America 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 America Lite travel insurance - Frequently asked questions

Yes Patriot America 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 America Lite insurance within a 6 month time period after arriving in the US.

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

Patriot America Lite Policy can be cancelled by submitting a written request to 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 America Lite Insurance is available up to a maximum of 364 days. Visitors to USA can renew Patriot America Lite insurance online to extend their coverage.

With your Patriot America 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 America 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 America Lite Insurance Restrictions

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

Patriot America Lite Insurance Claims


Fax: 317-655-4505




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