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International Medical Group

Patriot International Lite Insurance

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Patriot International Lite Travel Insurance

IMG Patriot International Lite Insurance covers acute onset of pre-existing conditions. This insurance offers coverage for travelers outside their home country whose destination excludes the US and its territories. Travelers visiting European countries and applying for Schengen Visa can buy Patriot international Lite travel insurance as it satisfies Schengen visa requirements as mandated by the consulates.

Patriot International Lite Insurance review, Patriot medical insurance

Patriot International Lite Insurance
Best suitable for
Tourists and parents visiting the USA
Patriot International Lite Insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Patriot International Lite insurance plan life - 5 days to 2 years
Patriot International Lite insurance rating
AM Best Rating: "A" (Excellent)

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Comprehensive Plan

Plan highlights of Patriot international lite insurance

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Policy Maximum

$50,000, $100,000, $500,000, $1,000,000 per insured person

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Individual deductible options are: $0, $100, $250, $500, $1,000 or $2,500 per insured person

TATA AIG traveler outside India
Coinsurance: IMG pays 100% outside of the U.S
TATA AIG traveler outside India
Patriot International Lite Insurance eligibility

People outside their home country whose destination excludes the United States or its territories.
his plan can be renewed up to 24 months.

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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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Patriot International Lite satisfies schengen visa requirements


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 - Frequently asked questions

Does Patriot International Lite Insurance cover Covid? Does Patriot International Lite Insurance cover Coronavirus?

Patriot International 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 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 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.

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.

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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.

Travel insurance for Coronavirus Covid

Covid19 International Travel insurance for Coronavirus

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Plan benefits of Patriot International Lite insurance

inpatient  In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot international insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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
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
Incidental Emergency in the U.S? Up to 2 weeks

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Travel insurance for multiple overseas trips 

Optional Riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Adventure Sports Rider
  • Chaperone/Faculty Leader Replacement Rider
  • Accidental Death & Dismemberment
  • Bolt Device Protection (Cellular Phone Rider)
  • Trip Cancellation, Interruption and Travel Delay Rider

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 International Lite Insurance Claims



Fax: 317-655-4505




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


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