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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.
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.
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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| 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 |
| 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 |
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.
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. |
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 NetworkYes 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.
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 is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500
