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IMG Patriot America Lite Travel Insurance

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Patriot America Lite Insurance Review, Patriot Travel Insurance Review

Patriot America Lite Insurance
Insurance provider
International Medical Group
Patriot America Lite insurance rating
AM Best Rating: "A" (Excellent)
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000 or $2,500
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Plan life? - 5 days to 12 months.
Patriot America Lite Insurance can be renewed online maximum up to 24 months.
Patriot America Lite insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
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Patriot America Lite Links
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  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
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Patriot America Lite Visitor Insurance, IMG Patriot America Lite Insurance

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.

Patriot America Lite travel Insurance - Key Highlights

Patriot America Lite Insurance
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 $5000 and then 100% up to the maximum limit.

IMG Patriot America Lite visitor health insurance summary

EligibiltyEligibility 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.
RenewalPatriot 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.
Expenses incured by customer after deductibleCoinsurance 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 $5,000, then 100% up to the Maximum Limit.
Patriot America Lite Travel insurance optional ridersPatriot America Lite Travel 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.

  • Adventure Sports Rider
  • Chaperone/Faculty Leader Replacement Rider
  • Accidental Death & Dismemberment
  • Bolt Device Protection (Cellular Phone Rider)
  • Trip Cancellation, Interruption and Travel Delay Rider
Click here to read more

Steps to buy travel insurance


Complete the quote form by entering your travel information

Review the best insurance plans of reliable US providers

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Select the best travel insurance for your needs and buy it online

Patriot America Lite Travel Insurance - Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

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.

Does Patriot America Lite insurance cover Covid ? Does Patriot America Lite insurance cover Coronavirus ?

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.

Does Patriot America Lite Insurance cover pre-existing conditions?

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.

How does Patriot America Lite insurance provider offer coverage for medical expenses?

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.

Can US citizens buy Patriot America Lite insurance?

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.

How can one use Patriot America Lite visitor medical insurance in case of emergency in USA?

Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.

I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Lite insurance?

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.

Which is the best visitor insurance in USA?

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.

Does IMG travel insurance cover Covid?

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.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

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.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

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Plan benefits of Patriot America Lite insurance

In-Patient Medical Benefits
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 dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
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
Accidental death & dismemberment $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
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
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Expand your coverage, Patriot America Lite optional riders

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.

  • Age 0-49 years: $50,000 certificate period
  • Age 50-59 years: $30,000 certificate period
  • Age 60-64 years: $15,000 certificate period

Adventure Sports Rider - More Details  

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 $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)

Chaperone Replacement Rider - More Details  

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

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.

Accidental Death & Dismemberment - More Details  

Mobile Device Protection*

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.

Trip Cancellation, Interruption and Travel Delay Rider**

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 Insurance Restrictions

Patriot America Lite is not available for Belarus, Russia and Ukraine residents and for travelers to these countries.

Patriot America Lite - Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
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Resourceful links of Patriot travel insurance

Patriot Travel Insurance FAQ

Frequently asked questions and answer about travel insurance plans

Patriot Travel Insurance Blog

Blog to compare different Patriot Travel Insurance plans

Patriot Travel Insurance Forum

Customer queries about Patriot America Lite insurance plan

IMG Trip Cancellation Plans

Compare and review benefits of International Medical Group trip plans

International Medical Group, IMG travel insurance Links

 

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