Patriot International Lite Travel Insurance For Coverage Outside USA
Patriot International Lite comprehensive travel medical insurance is available for both Non US citizens and US citizens traveling outside their home country,excluding USA.Available for individuals, families, and groups.Patriot International Lite insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years. This plan meets Schengen Visa requirements or Europe Long Term visa requirements.Underwritten by Sirius International Insurance Group with a rating of “A” is most popular visitor medical insurance among international travelers visiting outside the USA.
Patriot International Lite visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years.
Key Benefits of Patriot International Lite Insurance
ecg_heart Acute onset of a pre-existing condition
ambulance Emergency medical evacuation
local_hospitalUrgent Care Clinic
syncRenewability
descriptionPersonal liability
sports_baseballSports Coverage
Patriot International Lite Insurance Reviews
Patriot International Lite Visitor Insurance Links
IMG trip cancellation insurance superior benefits
IMG travel insurance namely Travel Lite (Medical expense covered for $100k), Travel SE (Medical expense covered for $250k) and Travel LX (Medical expense covered for $500k) also offer trip protection cover for travel expenses from trip cancellation, trip interruption, trip delay, baggage loss. These plans also offer coverage for emergency medical expenses and other evacuation benefits.
IMG Travel Insurance - Highlights- Accident Sickness Medical and Dental expense (from $100k to $500k depending on the plan)
- Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
- Travel insurance program for trips up to 180 days
- Standard coverage for trip cancellation and interruption
- Emergency medical expense, evacuation, and reunion benefits
- Three product options for varying levels of coverage
Patriot International Lite travel Insurance - Key Highlights
- The US and its territories is excluded as a destination.
- Travel insurance plan can be renewed for up to 2 years.
- The IMG travel insurance plan maximum lifetime is 5 days to 12 months.
- Coinsurance is available 100% up to the maximum limit.
- Acute onset of pre-existing condition coverage is available within the age of 70.
- Incidental emergency coverage within the US is available for up to 2 weeks.
- This Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.
International Medical Group Patriot International Lite visitors insurance
Eligibility to buy Patriot International Lite insurance
- People outside their home country whose destination excludes the United States or its territories.
- This plan can be renewed up to 24 months.
Patriot International Lite insurance coverage for Acute onset of a pre-existing condition
- Covers up to maximum limit, under the age of 70 years.
- Acute onset of a pre-existing condition - Emergency medical evacuation
- Up to $25k maximum limit for up to age 70.
Patriot International 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 International Lite insurance renewability
- Patriot International Lite 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 International Lite Travel insurance for Israel and Ukraine
For International travelers going to Israel and Ukraine, Patriot International Lite 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.
Patriot International Lite - PPO network
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.
local_hospital IPA network local_hospital Find Provider NetworkGet quotes for Patriot International Lite travel insurance!
Review and compare the best Patriot International Lite visitor medical insurance quotes.
Compare Patriot International Lite insurance quotes »Patriot International Lite Insurance for Schengen visa
Plan benefits of Patriot International Lite insurance
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Eligible medical expenses help Company pays 100% after deductible is met 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. Not subject to deductible Supplemental Accident help Maximum limit per covered accident: $300 Hospital indemnity help $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible -
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met 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 Urgent Care Clinic help $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible 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 $250k (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 $1M (Must be approved in advance and coordinated by the company) 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 (Must be approved in advance by the company) -
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 Acute Onset of Pre-Existing Conditions help 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: $20k
Age 64 and under with a primary health plan: Maximum limit: $1M
Age 65 through age 69: Maximum limit: $2.5k
Non-United States citizens:
Age 69 and under: Maximum limit: $1MPre-Existing condition medical evacuation $25k maximum limit for emergency medical evacuation 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 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
Expand your coverage, select your coverage options with add on benefits
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: $50k certificate period
- Age 50-59 years: $30k certificate period
- Age 60-64 years: $15k certificate period
Available for Groups only
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)
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.
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.
Available an individual plans far 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 International Lite Insurance cost per month for Seniors
The cost of Patriot International Lite insurance for seniors is dependent on the following factors the age of the traveler,the plan maximum 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 traveller up to age of 79 years. For above 80 years $50,000 is available.
For Example here we are showing price for one month with deductible of $100.
Patriot International Lite travel Insurance requirements – FAQs
Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.
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 cost of Patriot International 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 International Lite 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 International 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 International Lite provides people outside their home country whose destination excludes the United States or its territories.
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 International Lite 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.
Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International Lite travel insurance also offers visa letter in French if required.
Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.
Patriot International Lite insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot International Lite insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International Lite insurance working example.
Yes.Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.This plan can be renewed up to 24 months.
Yes Patriot International 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 International Lite insurance online.
Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel.
The domestic health insurance of the home country invariably provides little or no coverage in a new country.A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.
A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.
Visitor IMG patriot insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.
The IMG travel health insurance plan covers:
- Any new sickness or injury that occurs during the trip after the start of the policy.
- Accidents or illness occurred during the trip
- Medical emergencies and medical evacuation
- Cover for hospital treatment ,doctor expenses and prescribed drugs
- Some plans cover acute onset of pre-existing conditions
- Dental emergencies (again offered by some insurance plans)
- Preventive care like routine health checks, physical examinations, inoculation, vaccination
- Regular treatment for pre-existing conditions
- Maternity coverage if conception occurs before purchase of visitor health insurance
Patriot International Lite travel insurance only covers acute onset of pre-existing conditions when they meet certain criteria. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. 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.
No, quarantine coverage is not included in the Patriot International Lite plan. The plan does not provide any benefit for quarantine expenses related to COVID-19 or any other condition. The plan only covers medical expenses and other covered travel and emergency services for a traveler’s temporary stay outside of their home country.
Patriot International Lite insurance review shows that is a travel medical insurance plan that covers travelers outside their home country, excluding the USA. Here are some of the main exclusions of the plan:
- Does not cover pre-existing conditions, unless they are acute onset of pre-existing conditions and meet certain criteria.
- Does not cover chronic or congenital conditions, or any complications or consequences arising from such conditions.
- Does not cover expenses related to quarantine, isolation, or travel restrictions due to COVID-19 or any other condition.
- Does not cover expenses related to terrorism, war, or military action.
- Does not cover expenses related to sports and leisure activities, such as skiing, snowboarding, scuba diving, etc.
- Does not cover expenses related to maternity, pregnancy, birth control, abortion, or infertility.
- Does not cover expenses related to mental or nervous disorders, substance abuse, or suicide attempts.
- Does not cover expenses related to dental treatment, except for accidental injury.
Yes, Patriot International Lite insurance meets Schengen visa requirements. The Patriot international lite Schengen visa plan satisfies the following criteria for Schengen visa insurance:
- 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.
With your Patriot International Lite plan, you have access to a wide network of medical providers around the world. You have the freedom to seek treatment with any medical provider of your choice, but you may save money and time by using a provider within the network. You can use the International Provider Access (IPA) tool to search for doctors, hospitals, clinics, and other facilities in your destination country. If you use a network provider, you will not have to pay for eligible medical expenses up front and then submit a claim for reimbursement. The provider will bill IMG directly for covered services. You will also benefit from reduced or waived deductibles and coinsurance when you use a network provider.
Patriot International 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 »
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