✅ What Is the IMG Patriot International Lite Plan?
Patriot International Lite is a short-term international travel medical insurance plan is available for both Non US citizens and US citizens traveling outside their home country, excluding USA. It provides comprehensive emergency medical coverage with flexible plan and available for individuals, families, and groups. It fulfills Schengen visa requirements, providing visa letters immediately after purchase.
It offers essential protection against unexpected medical expenses, including accidents, illnesses, hospital visits, and emergency evacuations while abroad. The plan is ideal for U.S. citizens traveling internationally and for non-U.S. citizens visiting countries other than the USA. This plan also includes coverage for acute onset of pre-existing conditions, COVID-19, and Schengen visa-compliant medical benefits, making it one of the most practical and affordable options for global travelers.
- Coverage for acute onset of pre-existing conditions for travelers under the age of 70
- Meets Schengen Visa and European Long-Term Visa insurance requirements
- Coverage from 5 days to 364 days, renewable up to 2 years
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
- Immediate visa letter issued after purchase (meets Schengen visa requirements).
📌 Patriot International Lite Travel Medical Insurance by IMG
- The Patriot International Lite travel insurance offered by International Medical Group (IMG) is specifically designed for short term visitors outside the USA and is a hugely popular choice among tourists. This plan covers COVID-19 like any other illness.
- The plan meets Schengen Visa requirements or Europe Long Term visa requirements as long as you choose a $50,000 maximum (at least) with a $0 deductible (some countries require a $0 deductible). Immediately after purchase, you will receive a confirmation email with details of the links to ID cards and a "visa letter".
- The visa letter is what the consulate needs to see for visa purposes and states it covers COVID. They are considered official documents even though you print them out yourself. The plan is available for a minimum of 5 days and a maximum of 2 years.
- There is a co-insurance in this plan which is designed in the following manner. Outside the US there is no co-insurance and the plan pays 100%. The deductible for this plan is per injury or sickness.
- There are trip interruption and lost luggage benefits available within this plan. The coverage for acute onset of pre-existing conditions is available for a Non US citizen up to age 70.
- This coverage is up to the maximum limit of the plan or $500,000 whichever is lower. Coverage for the same is available up to plan maximum limit for a US citizen with primary health plan up to age 65 years.
- For US citizens without the primary health plan, up to age 65, the coverage is available for up to $20,000 maximum limit. For US citizens older than 65 years the coverage available is up to $2,500 for the same. There is also an adventure sports rider available on this plan along with other riders like Evacuation rider and citizenship rider.
⭐ Patriot International Lite Travel Insurance Reviews
Insurance Provider
Rating
AM Rating: A(Excellent)
Period of Coverage
5 days to 12 months.
Best for
Travelers Outside the USA Europe Long-Term Visa Travelers
Underwriter
SiriusPoint Specialty Insurance Corporation
Coverage Type
Secondary (Excess)
Maximum Limits
$50,000, $100,000, $500,000, $1,000,000
Deductible Options
$0, $100, $250, $500, $1,000, $2,500
Patriot International Lite Travel insurance For Israel
- Many insurance companies have traditionally avoided offering travel health insurance for Israel due to the ongoing regional conflict and Department of State.
- Fortunately, a few reliable options are now available for U.S. travelers planning trips to Israel. One such plan is the Patriot International Lite policy from IMG, a globally recognized and trusted travel insurance provider.
- This affordable and comprehensive plan helps cover unexpected medical expenses, medical evacuation (including ambulance), and repatriation while abroad. The plan is available to most nationalities and can be purchased easily online.
- The Patriot International Lite Plan also includes coverage for medical emergencies, baggage loss, and trip interruptions. If you decide not to travel, you can cancel the plan for a full refund before the policy start date.
- Note that medical expenses directly related to war or active conflict are excluded from coverage.
- We remain hopeful that peace returns to the region soon and that more travel insurance options will become available for visitors to Israel.
- In the meantime, the Patriot International Lite plan offers a dependable choice for travelers seeking health and safety protection abroad.
Stay safe, travel smart, and enjoy peace of mind wherever you go!
❓ Why should I buy Patriot International Lite Travel Insurance?
Patriot International Lite is an affordable travel medical insurance plan designed for U.S. citizens and non-U.S. citizens traveling outside their home country, excluding the United States.It's a great choice for international tourists, students, families, and business travelers who need essential medical coverage while abroad. Here are the key reasons to choose Patriot International Lite Insurance:
- Acute on set of pre-existing conditions: Covers Acute onset of pre-existing condition up to policy maximum under age 70, Up to $25,000 lifetime maximum for emergency medical evacuation, making it ideal for travelers with known health concerns.
- Affordable comprehensive coverage: Provides coverage for new and unexpected medical conditions, including physician visits, hospital stays, and emergency services. Eligible expenses are covered after the deductible and coinsurance, helping travelers manage costs.
- Emergency medical evacuation: Covers emergency evacuation up to the policy maximum to the nearest appropriate facility in case of life-threatening illness or injury, ensuring critical support when needed.
- Optional Adventure sports coverage: Patriot International Lite offers optional coverage for adventure sports and recreational activities, providing protection for injuries and illnesses that may occur while participating in eligible sports.
- Meets visa insurance requirements: Meets requirements for Schengen Visa and European Long-Term Visa, making it a great choice for travelers headed to Europe and other countries requiring proof of insurance.
- Flexible coverage duration: Plan can be purchased for as little as 5 days up to 365 days, with the option to extend coverage if travel plans change. This plan can be renewed for up to 24 months
- Global provider networkAccess care worldwide through IMG’s international network, with support for direct billing to reduce out-of-pocket costs when using in-network providers.
👤 Who Is Eligible For Patriot International Lite Insurance Plan?
- This plan is available for both US and Non-US citizens traveling outside the US.
- People outside their home country whose destination excludes the United States or its territories.
- Coverage available for individuals aged 14 days to 99 years.
- Flexible coverage duration from 5 days up to 364 days.
♻️ Can The Patriot International Lite Insurance Be Extended or Renewed?
- This plan 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.
💰 How Much Does Patriot International Insurance Cost Per Month?
The Patriot international cost per month ranges between is starting at just $29 to $379 per month, based on:
- Traveler’s age
- Selected policy maximum
- Deductible amount
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
- Ages 0–64: $50,000, $100,000, $250,000, $500,000, $1,000,000
- Ages 65–79: $50,000, $100,000
- Ages 80–99: $10,000 only
Example: Below is the monthly cost of Patriot International Lite insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | |
| 18 – 29 years | $29 | $35 | $41 | $45 |
| 30 – 39 years | $33 | $40 | $50 | $52 |
| 40 – 49 years | $55 | $65 | $74 | $74 |
| 50 – 59 years | $94 | $109 | $115 | $117 |
| 60 -64 years | $121 | $132 | $143 | $144 |
| 65 – 69 years | $143 | $156 | Not available | |
| 70 – 79 years | $214 | Not available | ||
For senior travelers aged 80 to 99, the cost is $379, with a maximum coverage of $10,000 and a deductible of $250.
Premium based on deductible factor: Higher deductibles = lower premiums
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
🩹 What Does the Patriot International Lite Travel Health Insurance Cover?
- Emergency room visits and hospitalization
- Physician consultations and lab tests
- Prescription medications
- Emergency dental treatment
- Medical evacuation and repatriation
- Return of minor children
- Political evacuation (optional add-on)
- Accidental death and dismemberment (AD&D)
🚫 What Is Not Covered Patriot International Lite Policy Exclusions?
- Pre-Existing Conditions: Not covered unless they meet the criteria for acute onset.
- Routine Medical Care: Preventive services and regular check-ups are not included.
- Pregnancy and Maternity: Expenses related to pregnancy and childbirth are excluded.
- Mental Health: Coverage for mental or nervous disorders is not provided.
- Hazardous Activities: Injuries resulting from high-risk activities may not be covered.
🏥 What Are the Patriot International Lite Insurance PPO Networks?
When outside the U.S., you can also enjoy access to quality healthcare worldwide with our IMG's proprietary International Provider Access (IPA network) that includes more than 45,000 accomplished physicians and facilities allows you to access quality care worldwide. The IPA search tool will identify providers with direct billing.
local_hospital Find PPO Network Providers »❓ Patriot International Lite Insurance - FAQ's
To buy the Patriot International Lite insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.
The cost of Patriot International Lite insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit 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 $50,000, $100,000, $500,000, $1,000,000 depending on the age of traveler.
You can get the quotes and make an instant purchase of Patriot International Lite travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
Yes, the plan meets Schengen visa insurance requirements for travelers visiting Europe.
Yes. It works ideally for U.S. citizens traveling outside the USA.
Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International Lite travel insurance also offers visa letter in French if required.
Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.
Patriot International Lite insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot International Lite insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International Lite insurance working example.
Have Questions?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
📝 How Do I File a Claim With Patriot International Lite Insurance?
To file a claim with Patriot International Lite Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
🚫What Are the Restrictions of Patriot International Lite Insurance?
Patriot medical insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
Why Should I Buy IMG Patriot International Lite Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Patriot International Lite travel insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Patriot International Lite travel insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Patriot International Lite travel insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Patriot International Lite insurance claims should you need to use the insurance coverage while on your vacation.
💬 Summary of IMG Patriot International Lite Travel medical Insurance
The web page provides a comprehensive guide to finding reliable travel insurance for visitors to the USA, emphasizing the importance of choosing a plan that fits your travel needs, budget, and personal health situation. It highlights the need to compare coverage, limits, exclusions, and prices across different providers, and stresses early purchase for broader coverage, especially for pre-existing conditions.
- The IMG Patriot International Lite Plan offers dependable and affordable international travel medical insurance for traveling outside the USA. It provides the peace of mind that if you face a health emergency abroad, you’ll have financial protection and global assistance from one of the world’s most experienced travel insurers.
- Patriot International Lite plan particularly beneficial for US citizens, US students abroad, tourists, or business travelers requiring dependable, short-term coverage abroad.
- Meets Schengen Visa medical insurance requirements, with instant visa letter available after purchase.
- Offers full refunds if canceled before the effective date of coverage.
- Not available for travelers visiting or residing in Russia, Belarus, or Ukraine.
Patriot International Lite is an affordable, renewable, and customizable travel medical insurance solution that fills gaps left by domestic health coverage during international trips. It’s ideal for tourists, business travelers, students, expats, and mission workers, offering global protection, Schengen compliance, and flexible options for medical and travel-related emergencies.
