Patriot International Lite Insurance
Travel with confidence with one of the best international medical travel insurance plan for coverage anywhere outside your home country. Patriot International Lite offers affordable protection for medical emergencies, including acute onset of pre-existing conditions, along with access to the International Provider Access (IPA) network.
What Is Patriot International Lite Insurance?
Patriot International Lite Insurance is a comprehensive international travel medical insurance designed for both U.S. and non-U.S. citizens traveling outside their home country (excluding the USA). This affordable IMG international travel insurance is ideal for tourists, expats, and global travelers looking for reliable travel health insurance for Europe, Schengen visa insurance, and worldwide medical coverage.
Comprehensive-benefit plan: Available through American Visitor Insurance, Patriot International travel health insurance offers flexible coverage for individuals, families, and groups traveling abroad.
Who Should Consider Patriot International Lite?
Meets the mandatory €30,000 Schengen visa travel medical insurance requirement for Europe travel.
Affordable emergency medical coverage for international travelers without domestic health insurance abroad.
Short-term international medical coverage for Americans living or working overseas
Flexible travel medical insurance for travelers of any nationality outside their home country.
maternity benefits, long-term health insurance, or coverage inside the United States.
Key Features of Patriot International Lite Travel Insurance
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
How Do You Extend IMG Patriot International Lite International Travel Insurance Coverage?
- check_circleThis plan can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
- check_circlePrior to the end of each period of coverage purchased, you will receive renewal information.
- check_circleYou have the option to renew online or you may complete a paper renewal form.
- check_circleEach insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
How Much Does Patriot International Lite Insurance Cost?
The cost of Patriot International Lite Insurance ranges from $28 to $367 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample daily rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | Medical Coverage | |||
|---|---|---|---|---|
| $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 for this age group | |
| 70 - 79 years | 214 | Not available for this age group | ||
| 80 - 99 years | $379/month $10,000 max only, $250 deductible | |||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Deductible Adjustment Factors
Multiply the base rate above by the factor for your chosen deductible:
What Are the Benefits of Different IMG Visitors Care Insurance Plans?
| Home Nursing Care | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Bedside visit | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery | Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) |
| Anesthesia | Up to the maximum limit |
| Chiropractic Care | Up to the maximum limit |
| Extended care facility | Up to the maximum limit |
| Emergency eye examination | $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 | Average semi-private room rate, including nursing services |
| Radiology / X-ray | Up to the maximum limit |
| Physician visits | Physician visits or services: Up to the maximum limit |
| Physical Therapy | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Urgent Care Clinic | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Interfacility ambulance transfer | Company pays 100% |
| Natural disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation | Up to $1,000,000 |
| Return of mortal remains or cremation/burial | 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 | Up to the maximum limit. |
| Return of minor children | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion | $100,000 maximum limit. Not subject to deductible |
| Remote transportation | $5,000 per certificate period / $20k maximum limit |
| Terrorism | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental death & dismemberment | $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible | |
| 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 | |
| Pet return | $1,000 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) | |
| Return travel | $10,000 maximum limit. Not subject to deductible | |
| Identity theft | $500 maximum limit. Not subject to deductible | |
| Common carrier accidental death | $25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible | |
| Acute Onset of Pre-Existing Conditions | United States citizens: Age 64 and under without a primary health plan:
Age 69 and under:
|
|
| Pre-Existing condition medical evacuation | $25,000 maximum limit for emergency medical evacuation | |
| Lost luggage | $50 per item, $500 maximum limit. Not subject to deductible | |
What Optional Upgrades Are Included in Patriot International Lite?
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.
| Age | Maximum Coverage |
|---|---|
| 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:
- Unexpected death of a relative
- Medical emergency
- Substantial destruction of the insured's principal residence in their home country
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:
- Maximum Benefit: Up to $400,000
- Eligibility: Available only for the primary insured person
- Additional Coverage: This is in addition to the base AD&D coverage included in the plan
- Minimum Purchase Duration: 3 months
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:
- Trip Cancellation
- Trip Interruption
- Travel Delay
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 |
|
Pros & Cons of Patriot International Lite Insurance
Patriot International Lite is a strong choice for Americans and non-US travelers heading abroad (excluding the USA) who want comprehensive, renewable medical coverage at a budget-friendly price. Its Schengen visa compliance, instant visa letter issuance, and 100% payment after deductible make it stand out.
Patriot International Lite advantages
10 benefitsComprehensive international travel medical insurance plan with strong emergency coverage
One-time deductible per policy period, helping reduce repeated out-of-pocket costs
Flexible policy - can be extended or cancelled as travel plans change
Coverage available from 5 days up to 364 days, with renewability up to 2 years
Meets Schengen visa insurance requirements with instant visa letter (available in English, French, and Spanish)
Offers coverage for acute onset of pre-existing conditions (for travelers under age 70)
Access to a global PPO network (IPA) for easier provider access
Optional adventure sports rider available for active travelers
Affordable pricing, making it ideal for budget international travel insurance
Suitable for individuals, families, students, and long-term travelers outside the USA
Patriot International Lite disadvantages
9 limitsSecondary (excess) coverage - requires coordination with other insurance or upfront payment in some cases
Coverage for pre-existing conditions is limited to acute onset only (not full coverage)
No coverage for acute onset of pre-existing conditions beyond age 70
Limited coverage for older travelers - maximum $10,000 for ages 80+
May require claims reimbursement instead of direct billing in some situations
Routine medical care, preventive checkups, and maternity are not covered
Not ideal for travelers seeking primary travel insurance coverage
Adventure sports are not included by default (must be added as an optional rider)
Coverage excludes travel to the USA, limiting flexibility for multi-destination trips
How Do I Use Patriot International Lite Insurance During an Emergency Abroad?
- check_circleSeek immediate medical care Go to the nearest hospital or clinic. In a serious emergency, call local emergency services first.
- check_circleShow your insurance ID card Present your Patriot International Lite (IMG) ID card at the hospital (digital or printed).
- check_circleUse network providers if possible Visit a provider in the IPA network for smoother billing and lower upfront costs.
- check_circleContact the assistance team (24/7) Call the number on your ID card to inform the insurer and get guidance or pre-approval if needed.
- check_circlePay deductible / upfront (if required) Since this is secondary insurance, you may need to pay initially and claim later.
- check_circleKeep all documents Save medical bills, reports, prescriptions, and payment receipts.
- check_circleFile a claim Submit your claim online with documents after treatment.
- check_circleGet reimbursement The insurer reviews and reimburses eligible expenses as per your policy.
Patriot International Lite insurance Cancellation and Refund Information
- You have 3 days from your policy start date to review your coverage.
- If you are not satisfied with the coverage, benefits, or terms, you can cancel the policy.
- You will receive a full refund of the premium paid.
- You can still cancel your policy after the 3-day review period.
- Refund eligibility depends on whether a claim has been filed:
- If a claim has been filed No refund (premium is fully earned).
- If no claim has been filed:
- A $50 cancellation fee will be deducted.
- Refund is calculated on a pro-rated basis for the unused coverage period.
- Any refund amount less than $50 is non-refundable.
Patriot International Lite Travel insurance For Israel And Ukraine
For International travelers going to Israel and Ukraine, Patriot International Insurance form IMG covers unexpected medical expenses while traveling to Israel including medical evacuation like ambulance coverage and repatriation. This insurance is very economical and comprehensive to take care of unexpected medical problems while you are away from home. The medical emergencies related to the wars will be excluded from the coverage.
Is Patriot International Lite Insurance Good for Schengen Visa?
Yes, Patriot International Lite Insurance satisfies all Schengen visa insurance requirements, making it a reliable choice for travelers visiting Europe.
After purchasing the plan, you can download your Schengen visa insurance letter within approximately 30 minutes by logging into the client zone. The letter is available in multiple languages, including English, Spanish, and French, for easy submission to embassies and consulates.
Travel Insurance for Digital Nomads in 2026
As remote work continues to grow in 2026, more professionals are choosing to live and work from destinations around the world. Whether you're working remotely from cafés in Lisbon, cowering hubs in Bali, or traveling across Europe for several months, having dependable travel medical insurance is an important part of long-term international travel.
- check_circleDigital nomads
- check_circleRemote workers
- check_circleFreelancers
- check_circleStartup founders
- check_circleLong-term travelers
- check_circleIndependent consultants
- check_circleExpats living abroad temporarily
The plan offers affordable emergency medical coverage outside the USA and includes renewable coverage options for eligible travelers for up to 2 years.
- check_circleEmergency medical coverage while traveling internationally
- check_circleFlexible deductible options for different budgets
- check_circleRenewable coverage for long-term travel needs
- check_circleAccess to international provider networks
- check_circleCoverage designed for travelers outside their home country
- check_circleSchengen visa compatible coverage for many Europe-bound travelers
Patriot International Lite can help provide travel medical protection during your journey.
How to Choose the Right Patriot International Coverage Amount?
If you're in good health and traveling to a country with lower medical costs (parts of Southeast Asia, Latin America, Eastern Europe), a $100,000 policy maximum may be sufficient. If you're over 60, traveling to Western Europe, Japan, or Australia (where costs are high), or have any pre-existing conditions, a $500,000 to $1,000,000 maximum is strongly recommended.
The higher deductible you choose, the lower your premium. A $500 deductible can reduce your monthly cost by 10% compared to a $250 deductible.
Where can U.S. Citizens Get the Best International Travel Insurance?
- check_circleAffordable coverage for travel outside the USA
- check_circleCovers emergencies and acute onset of pre-existing conditions (under 70)/li>
- check_circleFlexible duration up to 12 months (renewable to 2 years)
- check_circleYou need Compare multiple plans in one place
- check_circleYou want Instant policy and visa documents
- check_circleYou want Expert support to choose the right coverage
Compare and buy Patriot International Lite for reliable and cost-effective international travel insurance.
Where can I get the Best Schengen Visa Travel Insurance?
You can buy Schengen visa travel insurance online from American Visitor Insurance, where you can compare plans and purchase instantly.
A popular option is Patriot International Lite (IMG), which:Why Choose American Visitor Insurance?
- check_circle Compare multiple Schengen-compliant travel insurance plans
- check_circle Instant purchase + downloadable visa certificate
- check_circle Expert support to ensure your policy meets embassy requirements
Buy Schengen visa insurance from American Visitor Insurance and choose plans like Patriot International Lite for quick approval and reliable coverage.
PPO Networks - Finding a Doctor
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. Find PPO Network Providers »
How Do I File a Claim With Patriot International Lite Insurance?
To file a claim with Patriot International Lite Insurance, follow these steps:
Why US Citizens Traveling Abroad Need Patriot International Lite?
Most US domestic health insurance plans like employer-sponsored coverage, ACA marketplace plans, and Medicare offer little to no coverage outside USA. If you face an emergency medical issue, you could face huge medical bills with no domestic insurance to turn to. Patriot International Lite solves this for US citizens abroad. For as little as $29 a month, they get:
| Benefit | What it means for US citizens |
|---|---|
| Medical coverage up to $1,000,000 | Pay a small deductible — the plan covers the rest, including hospitalization, surgery, ICU, and prescriptions. |
| Acute onset of pre-existing conditions | If a known condition flares up suddenly and unexpectedly, you're covered up to the policy maximum (travelers under 70). |
| Emergency medical evacuation to $1,000,000s | If the local hospital can't treat you, the plan pays to fly you to the nearest appropriate facility or home. |
| Schengen visa letter, instant download | Europe-bound? Download your compliant visa letter in under 30 minutes after purchase. |
| Coverage from 5 days to 24 months | Buy exactly what you need. Extend or renew online if your plans change. |
| 45,000+ provider network worldwide | Use the IPA network for direct billing — no upfront payment, no reimbursement hassle. |
| Renewable coverage | Extend your plan (up to 1 year total) if your travel plans change. |
Patriot International Lite Insurance - FAQs
Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.
The plan covers acute onset of pre-existing conditions for insured persons under the age of 70, up to the overall policy maximum. However, the plan does not cover any chronic or congenital conditions, or any complications or consequences arising from such conditions.
The Patriot International Platinum offers first class medical coverage up to $8,000,000 and provides coverage for non-US citizens and US citizens traveling outside their home country, Excluding USA.
- Offers a coverage of at least €30,000 for medical expenses and emergency medical evacuation. You can choose from different policy maximum options, ranging from $50K to $2M.
- Covers repatriation of remains up to $50K.
- Availalble to buy for the entire duration of your stay in the Schengen area.
- Covers all Schengen countries and has no geographic restrictions.
Why Buy Patriot International Lite Through American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
Easy Plan Comparison and Purchase: You can buy Patriot International Lite online through American Visitor while reviewing plan details, understanding coverage options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
Helpful Resources for Better Decisions: We offer detailed FAQs, blog, and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
Experienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right IMG plan.
Support When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).