Patriot Lite Insurance for America Visitors or International Travel
Review Patriot Lite Travel Medical Insurance plan for USA visitors or International travelers, Patriot America Lite is visitors insurance coverage for non-US residents visiting the USA, and Patriot International Lite plan is for individual/family traveling outside America and home country.
COVID-19 / SARS-CoV-2 / Coronavirus: Effective May 5, 2021, coverage for COVID-19 was added to the Patriot International Insurance plans for new purchases only. Patriot International Lite Insurance purchased on or after March 11 2020 and prior to May 5, 2021, or Patriot America Lite Insurance, 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 Lite Travel Medical Insurance provides short-term travel medical coverage or temporary medical insurance for individual or family including dependent children, while traveling for business or pleasure anywhere outside of their home country.
Patriot Lite Travel Medical Insurance meets the health insurance needs with two plans:
- Patriot America Lite for non-US residents visiting the USA and outside their home country of residence, and
- Patriot International Lite for U.S. citizens traveling abroad or foreign nationals visiting outside their home country excluding USA.
Patriot Lite Travel Health Insurance plan highlights include maximum coverage benefit limits range from $50,000 to $2,000,000, policy deductible options range from $0 to $2,500, plan premiums provided in daily and monthly rates, renewable up to 24 months with one month minimum initial purchase, choice with hospital or doctor to seek treatment, optional riders available for trip cancellation, travel delay and baggage delay benefits, included universal Rx pharmacy discount savings, and more.
- Quote and Buy Patriot Lite Travel Medical Insurance online
- Review the Patriot Lite Travel Medical Insurance Brochure
- Review the Patriot Lite Travel Medical Insurance Certificate
Patriot America Lite Insurance plan is designed for parents relatives visiting USA, new immigrants, foreign travelers or vacationers on a holiday abroad or overseas travel, international exchange students / au pairs and nannies, missionaries working in America, or in any foreign country.
Patriot Lite Travel Medical Insurance is administered worldwide by International Medical Group (IMG), and the policy coverage is underwritten and issued by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
Notes: Budget comprehensive policy with NO acute-onset of pre-existing condition or COVID-19 coverage feature for visitors to the USA or international travelers outside America, Renewable.
Eligibility: Any foreign resident visiting USA, or any individuals and/or family traveling abroad. The plan is available for both foreign nationals and expat US citizens living outside America while visiting the U.S.
Coverage Duration: Minimum of 5 days to maximum of 1 year. Renewable.
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 persons 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 renewable to total of 24 months (2 years) prior to expiration date of policy.
Other Highlights
- Foreign nationals visiting the USA
- US citizens traveling abroad
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Quote & purchase online for single trip
- Child alone without adult purchase allowed
- Optional hazardous sports activity riders
Patriot Travel Medical Insurance Information
Patriot Lite Travel Medical Insurance plan highlights include:
Patriot Travel Medical Insurance comes in two available choices: Patriot America for the foreign nationals visiting USA or traveling to any other foreign country, and Patriot International for US citizens who are traveling abroad to any overseas destination.
- Patriot America Lite Insurance is for foreign nationals visiting the USA and/or traveling outside their home country.
- Patriot International Lite Insurance is for US citizens or foreign nationals traveling abroad to any overseas destination excluding USA.
Patriot Lite Insurance - Plan Overview
Patriot America Visitor Health Insurance is designed for visitors to the USA, and tourist traveling to America for leisure or sightseeing, and Patriot International Travel Medical Insurance is for travelers outside America who are going abroad to any foreign country.
- Eligibility: Visitors to the USA or international travelers outside their home country.
- Policy Maximum: Plan offers maximum coverage choices from US$50,000 to US$1,000,000 for the life of the plan. For travelers ages 70 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older it is reduced to only $10,000.
- Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, or US$2500 deductible per certificate/renewal period.
- Coinsurance: Applies for treatment within the USA only. For treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
- Policy Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 2 year (24 months).
- 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. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
- Pre-Existing Conditions: Coverage for acute onset of pre-existing condition is NOT available with this plan. To get this benefit, please consider the Patriot America Plus for USA visitors or Patriot Platinum Insurance for international travelers. Please refer to the “Certificate of Insurance” document for plan exclusions of what is not covered.
- Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
- Administrator: Plan is administered by International Medical Group (IMG).
Patriot Lite Travel Medical Plan Details
Patriot Lite Travel Medical 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.
| Patriot Lite Insurance | Plan name is Patriot Travel Medical Insurance, Patriot America if for visiting the U.S., or Patriot International if traveling outside America. |
| Patriot Lite Travel Medical Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Patriot Lite Travel Medical Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Patriot Lite Travel Medical 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 America 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 America 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 | Print and complete paper application, mail/fax the Patriot Lite Travel Medical Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Patriot Lite Travel Medical 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 Lite Travel Medical Insurance - Plan Brochure
Review the plan brochure for coverage information including the summary of benefits table.
- Plan Brochure: Review the Patriot Travel Medical Plan Brochure for plan information.
Patriot Lite Insurance - 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 Travel Medical Insurance Certificate which is the detailed sample document of the master policy.
- Claims Form: Download the Patriot America Claims form on the IMG Client Resources page.
Patriot America Lite Insurance PPO Network
IMG Patriot America Lite 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 Lite Travel Medical 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 Lite Travel Medical coverage online.
- Application Form: Complete, mail/fax the Patriot Lite Travel Medical Paper Application along with payment
Patriot Lite Travel Medical Insurance - Renew/Extend Coverage
IMG Patriot Lite Visitor Insurance coverage can be extended or renewed to a maximum period of 2 years. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the Patriot Lite plan coverage dates using Patriot Lite Travel Medical Plan Renew Online.
Patriot Lite Travel Medical Insurance Client Dashboard
Patriot Travel Medical 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 Travel Medical Plan on the IMG Client Resources dashboard for existing policyholders.
- Claim Form: Download and submit the Patriot Travel Medical Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.
Patriot Lite Travel Medical 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 $50 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 whole month refunds are available with this policy.
Patriot Lite Travel Medical Insurance Plan FAQ
Below are some of the questions frequently asked with the Patriot Travel Medical insurance plan gathered over many years:
Am I Eligible to purchase Patriot Lite Travel Medical Insurance?
Visitors to the USA or International Travelers Can Buy
If you are visiting the USA or traveling outside of your Home Country of principal residence, you are eligible to purchase Patriot Lite Travel Medical Insurance coverage. The minimum coverage period is 5 days and the maximum coverage renewal period is 24 months (2 years).. The plan is renewable or extendable prior to expiration date of the policy.
How is "Home Country" defined in Patriot Lite Travel Medical Insurance?
Home Country is where you principally reside
Your Home Country is the location of your Principal Residence. It is the country where you principally reside and receive regular mail. The Patriot Lite Travel Medical Insurance covers non-US residents visiting the USA, or anyone traveling outside their Home Country.
What Is Excluded in Patriot Lite Travel Medical Insurance?
What is NOT covered by the Patriot Lite Insurance plan
Chronic or congenital conditions, auto-immune diseases, cancer, nervous disorders, mental health issues, untreated or ongoing treatment conditions, etc. are typically excluded from coverage. For a complete list of all exclusions, and for more detailed policy description, please refer to the Patriot Lite Travel Medical Certificate of Insurance.
What Is Covered in Patriot Lite Travel Health Insurance?
Summary of Benefits Table in Brochure can be referenced
The plan explicitly details all exclusions, and sickness or injury other than exclusions is typically covered. For an overview of what is covered, please refer to the Patriot Lite Travel Medical Insurance Brochure Summary of Benefits table.
What are the common terms used in the Patriot 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.