IMG Patriot America Lite Travel Insurance for USA
Affordable visitor health insurance for USA with comprehensive coverage, PPO network access, and emergency medical evacuation.
Start here: is this plan built for you?
Patriot America Lite is IMG's comprehensive plan for visitors to the USA, with sample rates starting around $1.45 a day, in exchange for no coverage for pre-existing conditions.
What Patriot America Lite Actually Covers
Pick a policy maximum to see the ceiling. This plan is comprehensive, not fixed-benefit - it pays across categories rather than a flat payout per incident.Patriot America Lite is not a fixed-benefit plan with separate dollar limits for each type of treatment. Once you meet your deductible, the plan pays 100% of eligible expenses in the PPO network, and 80% out-of-network up to $5,000 then 100% to your policy maximum, subject to the plan terms.
The plan offers deductible options of $0, $100, $250, $500, $1,000, or $2,500. Travelers under age 70 can choose a policy maximum of $50,000 to $1,000,000, while travelers ages 70–79 can choose $50,000 or $100,000. For travelers age 80 and older, the policy maximum is fixed at $10,000. COVID-19 is treated like any other standard illness under the plan. Coverage is available for trips lasting 5 days up to 12 months, with extensions available for up to 24 continuous months.
How Patriot America Lite Coverage Works
Here is how Patriot America Lite works with a $250 deductible on a $3,000 ER visit for a broken wrist. These examples show how the same bill plays out in-network versus out-of-network.
Up to a $5,000 out-of-network threshold, then 100% to the policy maximum$2,200
In-network care costs you just your deductible - the plan pays the rest at 100%.
With Patriot America Lite, if your medical bill is $950 and your deductible is $250, you pay the first $250. The plan then covers the remaining $700 for eligible in-network expenses at 100%, subject to the plan terms and policy maximum.How Much Does Patriot America Lite Insurance Cost?
Your Patriot America Lite premium depends on your age, deductible, and policy maximum. Choose the options that fit your trip to get an estimated price.
Is Patriot America Lite the Right Choice for You?
Patriot America Lite travel medical insurance is an affordable comprehensive travel insurance for USA starting at around $46 per month for younger travelers. It provides up to $1 million in medical coverage, including emergency medical evacuation, access to the UnitedHealthcare and First Health PPO networks, and coverage extendable up to 24 months. It is best suited for travelers who do not need pre-existing condition coverage. If you want pre-existing coverage go through Patriot America Plus travel insurance.
International Medical Group Patriot America Lite Travel Insurance for USA
If you're planning a trip to the United States as a visitor, tourist, or short-term traveler, having the right medical insurance can help protect you from unexpected healthcare costs. Among the many visitor insurance options available, International Medical Group (IMG) Patriot America Lite stands out as an affordable comprehensive travel medical insurance plan, with sample rates starting at around $1.45 a day.
Unlike fixed-benefit visitor insurance, Patriot America Lite provides comprehensive coverage for eligible medical expenses, subject to the selected deductible, coinsurance, policy maximum, and other terms and conditions. It is designed for eligible international travelers visiting the USA who want coverage for unexpected illness or injury during their trip.
In this guide, we'll explain IMG Patriot America Lite coverage, cost, benefits, deductibles, eligibility, pre-existing condition exclusions, PPO network, emergency medical evacuation, and more so you can decide whether Patriot America Lite is the right visitor health insurance for the USA for your trip.
What Is IMG Patriot America Lite Insurance?
IMG Patriot America Lite is a short-term comprehensive travel medical insurance plan designed for eligible international visitors traveling to the United States and its territories. It provides coverage for unexpected illness and injury during a covered trip, with benefits that can include hospitalization, physician visits, emergency care, prescription drugs, emergency medical evacuation, and repatriation of remains.
The plan is also available to certain U.S. citizens and Green Card holders who live outside the United States and are returning to the USA for a temporary visit, subject to the plan's eligibility requirements.
Patriot America Lite offers coverage periods from 5 days to 12 months, with extensions available for up to 24 continuous months, subject to the policy terms and eligibility requirements.
The plan is underwritten by Sirius Point Specialty Insurance Corporation. Its combination of comprehensive medical coverage, flexible deductibles, and multiple coverage maximums makes it a popular option for travelers looking for affordable visitor health insurance in the USA.
Who Can Buy IMG Patriot Lite Travel Insurance?
International Group Patriot America Lite is a good option for travelers looking for affordable comprehensive travel medical insurance in the USA without paying for benefits they may not need. It can be suitable for:
- Tourists and vacationers visiting the United States for a short or extended trip
- Parents and relatives visiting family in the USA
- Business travelers, including eligible B-1 visitors
- International visitors looking for comprehensive medical coverage during their stay
- Eligible U.S. citizens living abroad who are returning to the USA temporarily
- Eligible Green Card holders living outside the USA who are visiting the country temporarily
Patriot America Lite can be particularly attractive to travelers who want comprehensive rather than fixed-benefit coverage, flexible deductible options, and access to a U.S. PPO network while keeping their travel insurance costs affordable.
Why Choose IMG Patriot America Lite Travel Medical Insurance?
IMG Patriot America Lite can be a good choice if you are looking for affordable, comprehensive travel medical insurance for visitors to the USA. The plan combines flexible coverage options with benefits designed to protect travelers against unexpected medical expenses during their stay.
Patriot America Lite can be purchased for trips as short as 5 days and for coverage periods of up to12 months. Eligible travelers can extend the coverage for up to 24 continuous months, subject to the plan's eligibility requirements and policy terms. This flexibility can be useful if your stay in the USA changes after you purchase your insurance.
- Under age 70: $50,000, $100,000, $250,000, $500,000, or $1,000,000
- Ages 70-79: $50,000 or $100,000
- Age 80 and older: $10,000
- Urgent care: $25 copay
- Walk-in clinic: $15 copay
The plan providesEmergency Medical Evacuation coverage up to $1,000,000, subject to the policy requirements. If a covered medical emergency requires transportation to an appropriate medical facility, eligible evacuation expenses can be covered up to the applicable maximum.
- Accidental Death and Dismemberment: Up to $50,000
- Emergency Reunion: Up to $100,000
- Natural Disaster Evacuation: Up to $25,000
- Political Evacuation and Repatriation: Up to $100,000
- Personal Liability: Up to $25,000 combined maximum
- Lost Luggage: Up to $500
- Pet Return: Up to $1,000 for an eligible accompanying cat or dog
How Much Does Patriot America Lite Insurance Cost?
The cost of Patriot America Lite Insurance starts at $46 per month, depending on the traveler's age, selected policy maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
- Ages 0-69: $50,000, $100,000, $250,000, $500,000, $1,000,000
- Ages 70-79: $50,000, $100,000
- Ages 80-99: $10,000 only
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 18-29 years | $46 | $57 | $63 | $80 | $92 |
| 30-39 years | $55 | $74 | $87 | $93 | $102 |
| 40-49 years | $72 | $89 | $99 | $118 | $135 |
| 50-59 years | $122 | $150 | $183 | $196 | $209 |
| 60-64 years | $162 | $208 | $277 | $301 | $331 |
| 65-69 years | $181 | $236 | $285 | $299 | $318 |
| 70-79 years | $264 | $340 | Not available for this age group | ||
| 80 - 99 years | $417/month $10,000 max only, $250 deductible | ||||
Multiply the base rate above by the factor for your chosen deductible:
How Does Patriot America Lite Visitor Insurance Work?
Suppose a traveler purchases IMG Patriot America Lite with a $250,000 medical maximum and a $500 deductible. During the trip, the traveler is involved in a car accident and receives treatment at an in-network PPO hospital.
The hospital bills $25,000 for eligible medical expenses, including the emergency room, X-rays, surgery, and hospitalization. Here is how the claim would work:
| Medical Expense | Amount Billed | Insurance Pays | You Pay |
|---|---|---|---|
| Deductible | $500 | $0 | $500 |
| ER visit & diagnostics | $4,300 | $4,300 | $0 |
| Hospital stay (2 days × $2,500) | $5,000 | $5,000 | $0 |
| Orthopedic surgery | $21,000 | $21,000 | $0 |
| Physical therapy (4 sessions) | $800 | $800 | $0 |
| Prescription medication | $250 | $250 | $0 |
| Total | $31,850 | $31,350 | $500 |
Result: The traveler has $31,850 in eligible medical expenses but pays only the $500 deductible. Patriot America Lite pays the remaining $31,350, assuming all expenses are eligible and the care is received within the PPO network.
Does Patriot America Lite Insurance Cover Pre-Existing Conditions?
No. IMG Patriot America Lite does not cover pre-existing conditions. This is an important difference to understand when comparing visitor insurance plans.
If you need acute onset of a pre-existing condition coverage, consider a plan such as Patriot America Plus visitor insurance, which offers this benefit subject to its eligibility requirements, age limits, coverage limits, and policy terms.
International Medical Group Patriot Lite Insurance is better suited for travelers looking for coverage for new, unexpected illnesses or injuries during their trip.
How to Buy Patriot America Lite Insurance Online?
You can buy IMG Patriot America Lite visitors insurance online through American Visitor Insurance in just a few steps.
- Enter your traveler details: Provide your age, citizenship, destination, and travel dates on American Visitor Insurance to get a personalized Patriot America Lite quote.
- Choose your coverage: Select the medical maximum and deductible that best suit your travel needs and budget.
- Review your premium: Check the Patriot America Lite premium based on your selected coverage, deductible, age, and travel duration.
- Complete your purchase online: Review the plan details, complete the application, and make your payment securely online.
- Receive your policy documents: After purchase, receive your Patriot America Lite ID card and insurance documents for your trip.
Can I Cancel Patriot America Lite Insurance?
Yes. If you cancel within the 3-day Review Period and no claim has been filed, you can receive a full refund of the premium.
After the 3-day Review Period, if no claim has been filed, a $50 cancellation fee applies, and only the premium for coverage periods after the cancellation date is refundable. If a claim has been filed, the premium is fully earned and non-refundable.
What Are the Pros and Cons of Patriot America Lite Insurance?
Before choosing a plan, consider these key advantages and limitations of IMG Patriot America Lite medical insurance to see whether it fits your travel needs.
Pros of Patriot America Lite
Affordable visitor insurance: Patriot America Lite is designed as a lower-cost comprehensive travel medical insurance option for eligible visitors to the USA.
High medical maximum: Eligible travelers can select coverage of up to $1 million, depending on age and plan availability.
Flexible deductibles: Deductibles range from $0 to $2,500, allowing travelers to balance premium and out-of-pocket costs.
Strong PPO coverage: In-network eligible expenses are generally covered at 100% after the deductible, subject to the policy terms and maximum.
Emergency medical evacuation: Coverage is available up to $1 million.
Longer coverage options: The plan can be extended for up to 24 continuous months, subject to eligibility and policy requirements.
Cons of Patriot America Lite
No broad pre-existing condition coverage: Patriot America Lite is not designed to cover routine or ongoing treatment for pre-existing conditions.
Coverage limits vary by age: The available medical maximum can be significantly lower for older travelers.
Bottom Line: Patriot America Lite is best suited for travelers looking for affordable, comprehensive medical protection for unexpected illnesses and injuries while visiting the USA. Travelers with significant pre-existing conditions or those seeking broader coverage should compare other visitor insurance options before purchasing.