Patriot International Lite Insurance for Travel outside America
Patriot International Lite Insurance is a standard comprehensive plan for USA residents traveling abroad or foreign nationals traveling outside home country and America, purchase coverage exactly from 5 up to 365 days, renew up to 24 months.
COVID-19 / SARS-CoV-2 / Coronavirus: Effective May 5, 2021, coverage for COVID-19 was added to the Patriot International Lite Insurance plans for new purchases only. Patriot International Insurance purchased on or after March 11 2020 and prior to May 5, 2021, COVID-19 will be NOT be covered and testing/treatment will be excluded from coverage. The Novel Coronavirus Disease, COVID-19, was declared a pandemic by the World Health Organization (WHO) in March 2020, hence the exclusion per the policy certificate of insurance document applied.
Patriot International Lite Insurance provides coverage non-US citizens traveling outside the USA with coverage outside home country, and U.S citizens traveling outside the United States with coverage for brief returns to the USA. Patriot International Lite Travel Insurance plans is available for a duration minimum of 5 days up to a maximum of two years. The plan provides coverage for individuals and families who need temporary medical insurance while traveling for business or pleasure anywhere outside of home country of residence.
- Quote and Buy Patriot International Lite Insurance online
- Review the Patriot International Insurance Brochure
- Review the Patriot International Insurance Certificate
IMG Patriot International Lite plan is a short-term travel medical coverage for sickness/injury and includes travel medical insurance features such as medically supervised emergency evacuations, emergency reunions or repatriation of mortal remain as part of the included coverage benefits. Patriot International Lite Insurance plan include optional Home Country Return Rider, which provides temporary medical coverage for US citizens returning to America. The policy is available in daily and monthly rates, and is renewable up to 24 months.
Claims and policy administered by International Medical Group, Inc. (IMG), and coverage underwritten by SiriusPoint Specialty Insurance Corporation.
Notes: Standard policy is a budget comprehensive plan for international travel excl. USA, coverage for Covid-19 and sudden relapse with acute-onset pre-existing condition benefits covered also.
Eligibility: Any US citizens or residents or foreign nationals (individuals and/or dependent family), traveling outside the USA and other nations outside home country.
Coverage Duration: Minimum of 5 days to maximum of 1 year (365 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $2,500
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: For treatment received within USA, plan uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO) network (depends on insured home country), NO co-insurance applies when you stay within the IMG PPO network to consult a doctor or hospital for medical care.
Renew or Extend: Plan is renewable, Renew for total duration of 24 months of coverage.
Other Highlights
- International travelers outside the U.S.
- Sickness/injury plan for travel outside America
- Acute-onset of pre-conditions NOT covered
- NO coverage for coronavirus / Covid-19
- Quote & purchase online for single trip
Patriot International Lite Insurance Information
Review the Patriot International Lite Insurance Brochure for the summary of benefits table, or the Patriot International Lite Certificate of Insurance sample document for plan details and more information.
Renew Patriot International Lite Insurance or extend an existing policy online prior to expiration date, Patriot International Travel Medical Insurance is extendable and renewable up to 2 years of continuous coverage.
Patriot travel medical insurance comes in two available choices: Patriot America Lite for the foreign residents visiting USA and traveling to any other foreign country, and Patriot International Lite for non-US and US citizens who are traveling abroad to any overseas destination outside the U.S. of America.
- Patriot America Lite is for foreign nationals visiting USA or traveling outside their home country of residence.
- Patriot International Lite is for non-US or US citizens traveling abroad to any overseas destination.
Patriot International Lite Insurance - Plan Overview
Patriot Travel Health Insurance review of plan highlights:
- Patriot Travel Medical Insurance comes in two available choices: Patriot International for the foreign nationals visiting USA and traveling to any other foreign country, and Patriot International for non-US citizens who are traveling outside America or US citizens who are traveling abroad to any overseas destination.
- Patriot America Insurance is for foreign nationals visiting USA and traveling outside their home country.
- Patriot International Insurance is for non-US citizens who are traveling outside America or US citizens traveling abroad to any overseas destination.
- Select the Patriot America Plus plan which offers acute onset of a pre-existing condition coverage for visitors to USA and age below 70.
- Plan is ideally suited for parents visiting USA or relatives travel to any international location.
- Eligibility: Foreign nationals as visitors to USA, or international travelers visiting outside their home country.
- Policy Maximum: Plan offers maximum coverage from US$50,000 to US$1,000,000 for the life of the plan. For travelers over 70, the maximum coverage is $50,000 and for 80 years and older it is $10,000 only.
- Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000 or US$2500 (accumulated amount) per person per certificate plan period.
- Co-Insurance:
Traveling to the United States only: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident. - Duration: Minimum period of 5 days to initial purchase period of 1 year (364 days).
- Pre-existing Conditions: Acute-onset of pre-existing conditions is not covered with this standard plan.
- Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included
- Administrator: Plan is administered by International Medical Group Inc. (IMG)
- Underwriter: Underwritten by Sirius Specialty Insurance Corporation (SSIC), a Sirius Group company.
Patriot International Lite Insurance Plan Details
Patriot International Lite policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country. Review the plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.
| Patriot International Lite Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Patriot International Lite Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Patriot International Lite Insurance Brochure |
| Renew Coverage Online | Renew Patriot Insurance Online, extend coverage dates from 5 days to a total duration of 24 months (2 years) Keeps coverage active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Non-US citizen visiting USA for business or pleasure, or Foreign national or US citizen traveling outside home country. Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy, based upon primary residency outside the US.. |
| Coverage Type Selection | Patriot International Insurance product selection: Worldwide, Including USA: Patriot America Lite is for non-U.S. citizens who are visitors to USA or traveling outside home country. Worldwide, Excluding USA: Patriot International Lite is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America. |
| Area of Coverage | Coverage area is outside home country of primary residency. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum 12 months. Plan is renewable up to a maximum total duration of 24 continuous months. |
| Maximum Medical Benefit | Age 15 days to 69 years: Maximum coverage options include: $50,000, $100,000, $500,000, or $1,000,000 Ages 70 to 79 years: Maximum coverage limited: $50,000 Age 80 years or older: Maximum coverage limited: $10,000 Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits. |
| Deductible | Options are $0, $100, $250, $500, $1,000, or $2,500 per certificate period. Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage. After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Emergency Room Deductible | An additional deductible of $250 will be applied for each Emergency Room (ER) visit for treatment of an illness which does not result in a direct Hospital admission. Note: This does not apply for injury with/without a direct Hospital admission. |
| Coinsurance | For treatment received within USA: Inside the PPO Network, plan pays 100% of eligible medical expenses after the deductible up to the overall maximum limit selected. Outside of the PPO Network, plan pays 80% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit. For treatment received outside the U.S.: For the certificate period, there is no co-insurance and plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Note: Coinsurance is per person per 12 month period of coverage. After the first 12 months of continuous coverage, a new coinsurance maximum will apply for each 12 month period thereafter. No more than 3 coinsurance maximums per insured member must be satisfied within the maximum 36 coverage period. Search the PPO network for preferred providers and save on coinsurance costs. |
| Preferred Provider PPO Network | Search for doctors/hospitals within the Patriot Insurance Provider PPO Network. Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network. Access care at any doctor or hospital, even outside the PPO network. |
| Inpatient & Outpatient Benefits (Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges) | |
| Inpatient Hospital Room & Board Charges | Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Emergency Room, Intensive Care Unit (ICU) & Surgical Treatment Pre-admission test before hospital admission Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Diagnostic procedures, nursing services, prescription medication. Home Nursing Care and durable medical equipment costs. Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Outpatient Medical Expenses | Charges for outpatient surgical treatment, use of outpatient surgical facility Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Other Treatment & Services | Local Ambulance & Medical Transport Orthopedic treatment Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Hospital Room and Board | Average semi-private room rate up to the maximum limit, including nursing services Note: Hospital Indemnity pays for incidental hospital charges |
| Intensive Care Unit | Up to the maximum limit, Usual, Reasonable, and Customary (URC) charges apply. |
| Local Ambulance Expense | Usual, Reasonable and Customary (URC) up to plan maximum limit. |
| Eligible Medical Expenses | Up to the maximum limit Note: Usual, reasonable and customary (URC) charges, when covered illness or injury results in hospitalization as inpatient. |
| Acute Onset of Pre-existing conditions | Not covered under this plan. |
| Emergency Room (ER) Services | Up to the maximum limit for accident/injury or illness with inpatient admission. Note: For treatment inside the U.S., additional $250 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury. |
| Evacuation Benefits (Eligible expenses NOT subject to deductible or coinsurance) | |
| Accidental Death & Dismemberment (AD&D) | Principal sum for accidental death: $25,000 The insured members death must occur within 90 days of the accident. For Dismemberment (Loss of limb or sight) please see the schedule in AD&D benefit section in the policy certificate. Note: Not subject to deductible or coinsurance. Excludes loss due to common carrier accident which is separately covered. |
| Common Carrier Accidental Death | $50,000 per insured adult member $25,000 per insured child. Note: Not subject to deductible or coinsurance. A maximum of $250,000 per insured family involved in the same accident. |
| Emergency Medical Evacuation | Age below 65 years: Up to $1,000,000 maximum limit per insured member provided. Age above 65 years: This benefit is not available. Note: This benefit amount is in addition to the medical maximum. For acute onset of pre-existing condition, lower amount as specified. This benefit must be approved in advance and coordinated by the plan administrator. |
| Return of Minor Children | Up to $50,000 per certificate period. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Return or Repatriation of Mortal Remains | Up to $50,000 Maximum Limit per lifetime for return of the Insured Person’s Mortal Remains or ashes to Country of Residence, or Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Emergency Reunion | Up to $50,000 maximum limit per lifetime. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Terrorism | $50,000 maximum lifetime limit, eligible medical expenses only. Note: This benefit is not subject to deductible or coinsurance. |
| Political Evacuation And Repatriation | $10,000 lifetime maximum. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Incidental Trip Coverage | Up to a cumulative total of 14 days during the coverage period. Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country. This benefit must be approved in advance and coordinated by the plan administrator. |
| Trip Interruption | Up to US$5,000 per insured person per coverage period. |
| End-of-Trip Home Country Coverage | Maximum 1 month for every 6 months of continuous coverage. Subject to a maximum 2 months. |
| Lost Baggage or Theft | Up to $50 per item per coverage period. Applies to damage, loss of, or theft of checked luggage or personal items, and for the replacement cost of travel documents. Maximum of $250 per certificate period. |
| Emergency Dental | $300 maximum limit for necessary treatment of sudden unexpected pain to sound natural teeth. Usual, Reasonable, & Customary for necessary emergency dental treatment due to an accident. |
| Natural Disaster | Replacement accommodations provided with a maximum $250/day for 5 days per insured person. |
| Hospital Indemnity | Daily $100 per overnight of inpatient hospitalization charges. Up to a maximum limit of 10 overnight stays covered in the coverage period. |
| Identity Theft | $500 lifetime maximum limit |
| Optional Riders – Can be optionally purchased to enhance policy benefits. | |
| Adventure Sports Rider | Age 0 to 49 years: Lifetime Maximum of $50,000. Age 50 to 59 years: Lifetime Maximum of $30,000. Age 60 to 64 years: Lifetime Maximum of $15,000. Age 65+ years: Not available. Note: Only certain activities are covered to the amounts listed. For sports engaged solely for leisure, recreation, or entertainment purposes. |
| Evacuation Plus Rider | Non life-threatening medical evacuation: Up to a maximum of $25,000. Natural disaster evacuation: Up to a maximum of $5,000. Note: This benefit is not available to insureds above age 65. Provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. Also offers coverage for evacuations as a result of a natural disaster. Minimum purchase of 3 months coverage required regardless of the minimum number of days being traveled. |
| Patriot International Lite Insurance – Miscellaneous Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | 50% reduction of eligible medical expenses, if Pre-certification provisions are not met. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the IMG Claims Form available in the Client Dashboard to submit proof of claims for review & reimbursement. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered. |
| Cancellation & Refund | If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, 1. A cancellation fee of US$50.00 will be charged; and 2. Only whole or full month premiums will be considered as refundable. Note: A written (email) request is required. |
| Client Dashboard | Easy access to the IMG Client Dashboard from anywhere in the world to manage your account. |
| Worldwide Assistance | Access quality service from International Medical Group 24/7 and 365 days of the year. |
| Plan Administrator | International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA. |
| Insurance Underwriter | Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation. |
| Ratings of Insurance Underwriter | SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s. |
| Application Form | No paper application available to mail/fax along with premium payment, use the online quote to calculate the quoted rates and complete and submit the application online. |
| Quote & Buy Online | Patriot International Lite Insurance Quote |
| Disclaimer | The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details. The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan. All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges. Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period. This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA). To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator. |
Patriot International Insurance - Plan Brochure
Review the plan brochure for coverage information including the summary of benefits table.
- Plan Brochure: Review the Patriot International Plan Brochure for plan information.
Patriot International - Certificate of Insurance
Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.
- Certificate of Insurance: Review all the policy details available in the Patriot International Insurance Certificate which is the detailed sample document of the master policy.
- Claims Form: Download the Patriot International Claims form on the IMG Client Resources page.
Patriot International Insurance PPO Network
IMG Patriot International Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.
- Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.
Patriot International Insurance - Quote/Buy Online or Apply
Quote/Buy instantly online or print/complete the paper application along with the payment.
- Quote/Buy Online: Get instant quote & Buy Patriot International coverage online.
- Application Form: Complete, mail/fax the Patriot International Paper Application along with payment
Patriot International Insurance - Renew/Extend Coverage
IMG Patriot International Visitor Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the Patriot International plan coverage dates using Patriot International Plan Renew Online.
Patriot International Insurance Client Dashboard
Patriot International America plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.
- Client Dashboard: Access the Patriot International Plan on the IMG Client Resources dashboard for existing policyholders.
- Claim Form: Download and submit the Patriot International Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.
Patriot Platinum Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Patriot International Lite Insurance Questions & Answers
Below are some of the questions frequently asked with the Patriot International insurance plan gathered over many years:
Who is eligible to purchase the Patriot International Lite policy?
Foreign residents visiting the USA for short-term up one year
The Patriot International Lite plan is available for US citizens and/or foreign nationals who are traveling outside the United States for a short-term duration of up to 1 year. Individuals and/or families of any age traveling abroad outside the United States and their home country of residence can purchase the policy.
When should I purchase the Patriot International Lite policy?
After your travel dates are confirmed, buy the Patriot International Lite plan
The best time to purchase the Patriot International Lite policy is right after you book your international flight tickets. You can also buy coverage for visitors before you leave your home country on your trip outside the America. The policy can be purchased even the day before your departure from the United States or home country. If you have forgotten to purchase coverage, you can still buy coverage after your arrival to the host country, by entering the start date of coverage as early as next day for the desired effective date.
What are the difference between Patriot International Lite plan choices offered?
Medical maximum benefit is different for plan choices selected
Medical maximum benefit is the only difference for the different plan choices. The different plan choices allow you to choose which Medical maximum benefit limit you would like, higher the maximimum, higher the premium cost. All of the plan choices have the same standard benefits with the Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc. The medical maximum limit is amount of coverage the plan offers for the different plan choices, which starts at $50,000 USD to $1 Million. This amount is the maximum medical coverage that is offered and any amounts for bills that exceed this is not covered.
What is the beneficiary and who should I name as the beneficiary?
Beneficiary can be anyone, typically other than the insured persons
The Patriot International Lite plan offers Accident Death & Dismemberment (AD&D) benefit paid out in the even of loss of life or loss of limb (arm or leg) that will be paid to beneficiary named to receive this benefit. The beneficiary can be any designated person chosen by the policy holder. It is a good idea to not name the insured persons in the policy as the beneficiary. If you are purchasing this policy for your relatives or parents visiting USA, you can name yourself as the beneficiary.
Do I have to complete and pay online, or can I mail a paper application?
The online application to purchase the Patriot Intl. Lite plan is easy and fast
The easiest and fastest way to purchase the Patriot International Lite plan is to complete the secure Patriot International Lite application is online by clicking the Quote & Buy button available on the top of this page. Upon completion of the purchase with the requisite premium payment (pay by check or a credit card), you can download, print, the paper ID cards and proof of coverage letter.
Can I buy the Patriot International Lite policy now and renew coverage later?
Patriot International Lite is renewable or extendable prior to expiration date
Patriot International Lite does allow coverage to be renewed or extended. You can plan your purchase coverage period between 5 days and 365 days (1 year). However, if additional coverage duration is needed after completing the existing policy term, the same policy can be purchased by completing a new online application.
What is the cancellation and refund rules for the Patriot International Lite plan?
Fully refundable prior to start or effective date
All cancellation requests must come as a written request (email) to the plan administrator. To be eligible for a refund, requests received prior to the effective date of coverage are only considered for a full refund. After the effective date of coverage, if the plan was used and a claim outstanding, the premium is considered to be fully earned and hence it is non-refundable. After the effective date of coverage, if the plan was not used and no claim outstanding, unused whole months is refunded, minus a $50 cancellation fee that applies.
Do you need passport number information to purchase the Patriot International Lite policy?
Passport number for primary insured is optional
If you have the passport number of the primary insured person, then you can enter the same. However, this is an optional field and only the the primary insured person’s passport number is entered, and not required for other members of the family.
What are the common terms used in the Patriot International Lite plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.