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.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.
Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
No.Patriot America Lite insurance does not cover covid19, however IMG offers Covid19 travel insurance with Patriot America Plus insurance and Patriot America Platinum insurance.
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 $5,000, 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.
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
|Eligible medical expenses||Up to the maximum limit|
|Hospital room and board||Average semi-private room rate, including nursing services|
|Surgery||Up to the maximum limit|
|Intensive care unit||Up to the overall maximum limit.|
|Bedside visit||$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible|
|Supplemental Accident||Maximum limit per covered accident: $300|
|Physician visits||Physician visits or services: Up to the maximum limit|
|Prescription drugs and medications?||Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days))|
|Urgent Care Clinic||$25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.|
|Physician visits||Up to the maximum limit|
|Urgent Care Clinic||$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible|
|Radiology / X-ray||Up to the maximum limit|
|Walk-In Clinic||$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible|
|Laboratory||Up to the maximum limit|
|Outpatient Surgical / Hospital Facility||Up to the maximum limit|
|Chemotherapy / Radiation Therapy||Up to the maximum limit|
|Physical Therapy||Up to the maximum limit (Medical order or treatment plan required)|
|Pre-Admission Testing||Up to the maximum limit|
|Assistant Surgeon||20% of the primary surgeon’s eligible fee|
|Anesthesia||Up to the maximum limit|
|Prescription Drugs and Medications||Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)|
|Reconstructive Surgery||Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)|
|Chiropractic Care||Up to the maximum limit|
|Pre-Certification||50% reduction of eligible medical expenses if pre-certification provisions are not met|
|Emergency local ambulance||Up to the maximum limit.|
|Hospital emergency room||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
|Interfacility ambulance transfer||Company pays 100%|
|Emergency eye examination||$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)|
|Emergency medical evacuation||Up to $1,000,000|
|Emergency reunion||$100,000 maximum limit. Not subject to deductible|
|Return of mortal remains or cremation/burial||Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible|
|Return of minor children||$100,000 maximum limit. Not subject to deductible|
|Political evacuation and repatriation||$100,000 maximum limit. Not subject to deductible|
|Remote transportation||$5,000 per certificate period / $20,000 maximum limit|
|Emergency reunion||$100,000 maximum limit. Not subject to deductible|
|Natural disaster evacuation||$25,000 maximum limit. Not subject to deductible|
|Natural disaster||$250 per day and maximum limit of five days for accommodations. Not subject to deductible.|
|Return travel||$10,000 maximum limit. Not subject to deductible|
|Small Pet Common Air Carrier Accidental Death||$500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)|
|Identity theft||$500 maximum limit. Not subject to deductible|
|Terrorism||Up to $50,000 maximum limit. Not subject to deductible|
|Lost luggage||$50 per item, $500 maximum limit. Not subject to deductible|
|Acute Onset of Pre-Existing Conditions||Up to the maximum limit.(Insured person must be under 70 years of age)
United States citizens:
Age 64 and under without a primary health plan: Maximum limit: $20,000
Age 64 and under with a primary health plan: Maximum limit: $1,000,000
Age 65 through age 69: Maximum limit: $2,500
Non-United States citizens:
Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower)
|Pre-Existing condition medical evacuation||$25,000 maximum limit for emergency medical evacuation|
|Pet return||$1,000 maximum limit. Not subject to deductible|
|Durable medical equipment||Up to the maximum limit|
|Extended care facility||Up to the maximum limit|
|Personal liability||$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|
Review and compare the best Patriot America Lite visitor medical insurance quotes.
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.
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 $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
The AD&D rider will pay you or your beneficiaries up to $400,000 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.
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.
Mobile Device Protection - More Details
Bolt Device Protection - More Details
*Rider option is available in select countries on individual plans 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.
If 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.
**Rider option is available on individual plans for U.S. residents only.
Patriot America Lite is not available for Belarus, Russia and Ukraine residents and for travelers to these countries.
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