Maximum medical coverage options are: $50,000, $100,000, $500,000, $1,000,000
Individual deductible options are: $0, $100, $250, $500, $1000, $2500 per each injury or sickness
For treatment received outside the US: Company pays 100%
For treatment received within the US:
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
Under 70 years of ageUp to period of coverage maximum limit.
Acute Onset of a Pre-existing Condition - Emergency Medical EvacuationUnder 70 years of age: $25,000 maximum limit.
|COVID-19/SARS-CoV-2 Coverage||Patriot America Lite insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.|
|Eligible medical expenses?||Up to the maximum limit|
|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?||Physician visits or services: 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. Must be hospitalized in an intensive care unit. 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|
|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 $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)|
|Accidental death & dismemberment?||$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|
|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|
Travelling in groups? Get coverage from IMG Patriot Group travel insurance!.
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Need coverage for the IMG acute onset of pre-existing conditions insurance?
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It is best suited for travelers expecting first-class medical coverage.
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The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
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.
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)
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.
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 does not provide covid coverage, however Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. IMG Patriot America Plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
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.
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.
Patriot America Lite Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
International Medical Group
P.O.Box 88500 Indianapolis,
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Patriot America Lite insurance does not cover covid19, however IMG offers Covid19 travel insurance with Patriot America Plus insurance and Patriot America Platinum insurance.