Patriot America Lite Insurance for US Visitors
Patriot America Lite offers comprehensive short term medical insurance coverage to international travelers traveling outside their residence country whose destination includes the United States or its territories. It is popular among visitors to US and is offered by a top rated insurance provider with a AM best rating of “A” (excellent).
Patriot America Lite visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years. US citizens living abroad and visiting USA can also buy Patriot America Lite Insurance.
Complete your Patriot America Lite insurance application form to ensure you have the coverage you need while traveling to the USA.
Key Benefits of Patriot America Lite Insurance
local_hospitalUrgent Care Clinic
ambulance Emergency medical evacuation
medical_services Prescription Drugs and medications
UnitedHealth Care PPO
sports_soccerSports Coverage
syncRenewability
Patriot America Lite Insurance Reviews
Patriot America Lite Visitor Insurance Links
Patriot America Lite travel Insurance - Key Highlights
- Plan is available for both US citizens and Non US citizens living abroad visiting the US
- This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US
- Patriot America Lite offers coverage for adventure sports and other sports activities.
- Plan co insurance factor: This plan pays 100% after the deductible for a claim expense, when the treatment is received within the PPO and for treatment received outside the PPO, the plan pays 80% of eligible expenses up to $5k and then 100% up to the maximum limit.
- Short-term travel medical coverage.
- Coverage for individuals, groups, and their dependents.
IMG Patriot America Lite visitor health insurance summary
Eligibility to buy Patriot America Lite insurance
- People travelling outside their home country whose destination includes the US and its territories.
- US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past six months and they must have a current health plan in force.
- Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips.
- This plan can be renewed for up to 2 years.
Coinsurance of IMG Patriot America Lite Insurance
- For treatment received outside the U.S: No coinsurance
- For treatment received within the U.S:
- In the PPO Network: The plan pays 100%.
- Outside the PPO Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Patriot America Lite Travel insurance optional riders
- Adventure Sports Rider
- Chaperone/Faculty Leader Replacement Rider
- Accidental Death & Dismemberment
- Bolt Device Protection (Cellular Phone Rider)
- Trip Cancellation, Interruption and Travel Delay Rider
Patriot America Lite Visitor insurance renewal
- Patriot America Lite visitor insurance 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.
Patriot America Lite - PPO network
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.
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Review and compare the best Patriot America Lite visitor medical insurance quotes.
Compare Patriot America Lite insurance quotes »Plan benefits of Patriot America Lite insurance
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Eligible medical expenses help Up to the maximum limit Home Nursing Care help Up to the maximum limit (Upon direct transfer from an acute care facility) Hospital room and board help Average semi-private room rate, including nursing services Surgery help Up to the maximum limit Intensive care unit help Up to the overall maximum limit. Bedside visit help $1.5k maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible Supplemental Accident help Maximum limit per covered accident: $300 Physician visits help Physician visits or services: Up to the maximum limit Prescription drugs and medications? help Up to the plan maximum limit, may not exceed $250k (Dispensing limit per prescription: 90 days)) -
Urgent Care Clinic help $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. Physician visits help Up to the maximum limit Radiology / X-ray help Up to the maximum limit Walk-In Clinic help $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Laboratory help Up to the maximum limit Outpatient Surgical / Hospital Facility help Up to the maximum limit Chemotherapy / Radiation Therapy help Up to the maximum limit Physical Therapy help Up to the maximum limit (Medical order or treatment plan required) Pre-Admission Testing Up to the maximum limit Assistant Surgeon help 20% of the primary surgeon’s eligible fee Anesthesia help Up to the maximum limit Prescription Drugs and Medications help Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) Reconstructive Surgery help Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) Chiropractic Care help Up to the maximum limit Pre-Certification help 50% reduction of eligible medical expenses if pre-certification provisions are not met -
Emergency local ambulance help Up to the maximum limit. Hospital emergency room help 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 limitInterfacility ambulance transfer help Company pays 100% Emergency eye examination help $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) -
Emergency medical evacuation help Up to $1M Emergency reunion help $100k maximum limit. Not subject to deductible Return of mortal remains or cremation/burial help Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible Return of minor children help $100k maximum limit. Not subject to deductible Political evacuation and repatriation help $100k maximum limit. Not subject to deductible Remote transportation help $5k per certificate period / $20k maximum limit Emergency reunion help $100k maximum limit. Not subject to deductible Natural disaster evacuation help $25k maximum limit. Not subject to deductible -
Natural disaster help $250 per day and maximum limit of five days for accommodations. Not subject to deductible. Return travel help $10k maximum limit. Not subject to deductible Small Pet Common Air Carrier Accidental Death help $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person) Identity theft help $500 maximum limit. Not subject to deductible Terrorism help Up to $50k maximum limit. Not subject to deductible Lost luggage help $50 per item, $500 maximum limit. Not subject to deductible -
Accidental death & dismemberment <help $50k principal sum. Death must occur within 90 days of the accident. Not subject to deductible Common carrier accidental death $25k per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible -
Pet return help $1k maximum limit. Not subject to deductible Durable medical equipment help Up to the maximum limit Extended care facility help Up to the maximum limit Personal liability help $25k 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 Telehealth Optional add-on available
Patriot America Lite Insurance Optional Riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
01. Patriot America Lite Insurance Adventure Sports Rider
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.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50k certificate period |
| 50-59 years | $30k certificate period |
| 60-64 years | $15k certificate period |
02. Chaperone/Faculty Leader Replacement Rider
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 $3K for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
03. Enhanced Accidental Death & Dismemberment Rider AD&D Rider
The AD&D rider will pay you or your beneficiaries up to $400K 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.
Accidental Death & Dismemberment - More Details picture_as_pdf
04. Mobile Device Protection
Available in select countries on individual plans only
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.
05. Trip Cancellation, Interruption and Travel Delay Rider
Available an individual plans fa-solid U.S. residents 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.
06. Teladoc Rider
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
| 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. |
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Patriot America Lite travel Insurance - Common Questions
Patriot America Lite is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.
Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.
The cost of Patriot America 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 $50k, $100k, $500k, $1M depending on the age of traveler.
To buy the Patriot America 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.
You can get the quotes and make an instant purchase of Patriot America 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.
Patriot America Lite insurance provides coverage worldwide except in your country of citizenship.
The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country.
The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.
International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
Patriot America Lite insurance works for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, after the deductible amount, Patriot America Lite insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Lite insurance would pay 80% of eligible expenses up to $5k, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Lite insurance working example.
Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.
Yes Patriot America Lite Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Lite insurance online.
This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries.
We can get you an ideal tourist medical insurance in USA. We offer Patriot America Lite insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.
You are eligible for Patriot America Lite if you are a non-U.S. citizen traveling outside your home country for a minimum of five days up to a maximum of two years.
For travelers under age 70, coverage for acute onset of pre-existing conditions is available up to $50K. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition that requires urgent care.
Yes. Adventure sports coverage is available as optional rider 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 Click here to know more.
Patriot Lite travel health insurance is a plan that provides basic coverage and benefits for travelers who want an affordable protection. It covers eligible medical expenses incurred during your trip, up to the chosen policy limit. In case of a medical emergency, the plan also covers emergency medical evacuation and repatriation.
Some of the coverage’s included in Patriot Lite travel health insurance are:
- Physician visits and services up to the maximum limit.
- Urgent care clinic with a $25 copay.
- Hospital emergency room, hospitalization, room and board, and intensive care up to the maximum limit.
- Local ambulance up to the maximum limit.
- Acute onset of pre-existing conditions up to $50K for travelers under age 70.
- Remote transportation up to $5K per period and $20,000 lifetime maximum.
- Supplemental accident up to $300 per covered accident.
- Outpatient surgical/hospital facility, laboratory, radiology, chemotherapy, radiation therapy, pre-admission testing, and surgery up to the maximum limit.
- Reconstructive surgery incidental to and following a covered surgery.
- Bedside visit up to $1,500 maximum limit for travelers hospitalized in an intensive care unit.
- Return of mortal remains or cremation/burial up to $50Kmaximum limit.
- Return of minor children up to $50K maximum limit.
- Accidental death and dismemberment up to $25K principal sum.
- Dental treatment due to an accident up to the maximum limit or due to sudden dental pain up to $100.
Some of the exclusions of Patriot Lite insurance are:
- War, military action, terrorism, and any related consequences.
- Any use of radiological, chemical, nuclear or biological weapons or events.
- Adventure sports activities.
- Pre-existing medical conditions, except for acute onset of pre-existing conditions up to $50K for travelers under age 70.
- HIV, AIDS, and any related conditions.
- Routine physicals, immunizations, and preventive care.
- Dental treatment, except for accidental injury or sudden pain.
- Vision or hearing tests and treatment.
- Pregnancy, childbirth, and newborn care.
- Mental or nervous disorders and substance abuse.
- Organ transplants and experimental treatments.
- Injury or illness resulting from a motor vehicle accident if the insured person operated the vehicle without a proper license or while under the influence of alcohol or drugs.
- Injury or illness resulting from participation in professional sports, athletic events, violation of law or criminal acts.
Yes, the IMG Patriot America 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.
With your Patriot America 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.
Patriot America Lite Claims Information
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »
Steps to buy travel insurance
Complete the quote form by entering your travel information
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Resourceful links for IMG Patriot Travel Insurance
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Frequently asked questions and answer about travel insurance plans
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