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Get a 5% group discount on IMG Patriot Lite travel medical insurance.
Ideal for international visitors to the U.S., Starting at just $1.45/day*
Patriot America Lite offers comprehensive short-term medical insurance to international travelers visiting the United States or its territories. This plan is provided by a top-rated insurance company (A rating by AM Best) and is especially popular among visitors to the U.S.
Key Features:Complete your Patriot America Lite application form to ensure you have the coverage you need while traveling to the USA. After buying the plan, Traveler can get all the Patriot America Lite id card and all the plan document by using Patriot America Lite login. At American Visitor Insurance, US Travelers can contact the Patriot America Lite insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!.
*Actual premium depends on age, coverage limit, and duration.
The policy maximum amount of coverage is the total dollar amount of benefits available under the Patriot America Lite plan. Once the maximum is reached, no additional benefits will be paid.
The deductible is the amount the insured must pay before Patriot medical insurance starts to cover expenses.
Patriot America Lite insurance has deductible options of : $0, $100, $250, $500, $1,000, $2,500
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. Patriot America Lite insurance pays:
Patriot America Lite Insurance is a budget-friendly travel medical insurance plan designed for non-U.S. residents visiting the United States. It is administered by IMG (International Medical Group) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A- (Excellent) by A.M. Best, ensuring financial stability and reliable claims processing. This plan is best for short-term visitors, students, parents, and business travelers who need essential medical protection in the U.S. Here are the key reasons to choose Patriot America Lite Insurance:
The Patriot America Lite insurance cost per month is starting at just $44 per month, based on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Patriot America Lite insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 18–29 years | $44 | $56 | $62 | $77 | $89 |
| 30–39 years | $54 | $73 | $86 | $92 | $101 |
| 40–49 years | $72 | $88 | $98 | $116 | $130 |
| 50–59 years | $120 | $148 | $182 | $194 | $207 |
| 60–64 years | $153 | $197 | $215 | $267 | $289 |
| 65–69 years | $155 | $207 | $259 | $299 | $318 |
| 70–79 years | $252 | $337 | Not available | ||
For senior travelers aged 80–99: $417/month for $10,000 coverage with $250 deductible.
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 |
IMG Patriot America Lite Insurance is a cheap comprehensive travel medical insurance plan for visitors to the U.S. It includes emergency medical treatment, hospitalization, medical evacuation, and access to the United Healthcare PPO network. With flexible deductible options, IMG Patriot America Lite coverage offers peace of mind at an affordable price, making it ideal for tourists, students, and business travelers. Stay protected during your U.S. visit with this comprehensive and budget-friendly plan.
| Home Nursing Care help | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Bedside visit help | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible |
| Outpatient Surgical / Hospital Facility help | Up to the maximum limit |
| Laboratory help | Up to the maximum limit |
| Chemotherapy / Radiation Therapy help | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery help | Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) |
| Anesthesia help | Up to the maximum limit |
| Chiropractic Care help | Up to the maximum limit |
| Extended care facility help | Up to the maximum limit |
| 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) |
| Hospital room and board help | Average semi-private room rate, including nursing services |
| Radiology / X-ray help | Up to the maximum limit |
| Physician visits help | Physician visits or services: Up to the maximum limit |
| Physical Therapy help | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic help | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Urgent Care Clinic help | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury help | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Surgery help | Up to the maximum limit |
| Intensive care unit help | Up to the overall maximum limit. |
| Durable medical equipment help | Up to the maximum limit |
| Emergency dental treatment help | $300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Prescription Drugs and Medications help | Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
| Supplemental Accident help | Maximum limit per covered accident: $300 |
| 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 limit |
| Physician visits help | Up to the maximum limit |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster help | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation help | Up to $1,000,000 |
| 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 |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20k maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental death & dismemberment help | $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible |
| Personal liability help | $25,000 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 |
| Pet return help | $1,000 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) |
| Return travel help | $10,000 maximum limit. Not subject to deductible |
| Identity theft help | $500 maximum limit. Not subject to deductible |
| Common carrier accidental death help | $25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Lost luggage help | $50 per item, $500 maximum limit. Not subject to deductible |
| Telehealth | Optional add-on available |
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Sports Rider is available for individuals up to 65 years of age.
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 participating in adventure activities. The covered adventure sports include: 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 | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
Groups may purchase the Chaperone/Faculty Leader Replacement Rider or added travel protection.
This rider provides reimbursement of up to $3,000 for a round-trip economy airline ticket for a replacement Chaperone or Faculty Leader if the originally designated individual is unable to travel due to:
Note: This rider is only available with group plans.
The AD&D Rider provides additional financial protection by paying up to $400,000 to you or your beneficiaries if death or dismemberment occurs as a direct result of an accident.
Key Highlights:
Note: This is an optional rider and must be selected during the policy purchase.
Accidental Death & Dismemberment - More Details picture_as_pdf
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Available an individual plans U.S. residents only
Should something unexpected happen before or during your trip, this optional rider can help protect you from financial loss by covering:
While all Patriot plans include basic return travel benefits, the Trip Cancellation, Interruption, & Travel Delay Rider offers expanded coverage for unforeseen events.
If you are unable to travel due to a covered reason (such as illness, natural disaster, or other unexpected situations), this rider can reimburse you for up to 100% of prepaid, non-refundable payments or deposits that would otherwise be lost. Protect your travel investment and gain peace of mind before your journey begins.
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »Patriot America Lite is a type of travel medical insurance plan offered by IMG . It is designed to provide coverage for short-term travel outside of your home country, particularly for non-U.S. citizens who are visiting the United States.
This plan is a good option for providing coverage for emergency medical evacuation, emergency medical coverage like emergency medical treatment, hospital stays, surgery, and other essential medical services for travel outside your home country and this plan is affordable compare to other travel medical plans. But this plan does not offers coverage for pre-existing conditions.
The various types of Patriot health insurance plans differ based on the level of coverage they provide. For example, the Patriot America Insurance plan offers $1million coverage for non-U.S. citizens traveling to the USA.
The Patriot America Plus Insurance plan plan also offers $1million coverage for non-U.S. citizens traveling to the USA, but includes extra benefits, such as coverage for Acute on set of pre-existing coverage, adventure sports.
Meanwhile, the Patriot Platinum America Insurance plan is designed for non-U.S. citizens traveling to the USA and this plan offers high end class coverage up to $8,000,000.
No. Patriot America Lite doesn't offers coverage for Pre-existing conditions. Travelers who need coverage for pre-existing conditions they can buy Patriot America Plus insurance, this plan covers acute on set of pre-existing conditions up to 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.
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 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, cannoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
Some of the exclusions of Patriot Lite insurance are:
Yes, the IMG Patriot America Lite travel 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.
IMG Patriot America Lite Insurance is a popular affordable comprehensive visitor insurance plan for people traveling to the USA. It covers emergency medical care, doctor visits, urgent care, hospital stays, and COVID-19 treatment. You also get access to the United Healthcare PPO network. Pre-existing conditions are not covered. This plan is great for parents, tourists, and other visitors to the U.S. looking for affordable health insurance.
You can buy IMG Patriot America Lite Insurance online at American Visitor Insurance. Simply enter the travel dates, age, and the travel destination to get a free quote. Select the coverage that you need, fill the online form and complete the payment to get your policy by email.
To file a claim with Patriot America 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
Patriot medical insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
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