Policy maximum
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible
$50, $100, $250, $500, $1000, and $2500
Comprehensive benefit plan
Benefits for covered medical expenses go all the way up to the plan maximum
Renewability
Plan is renewable for a maximum of 24 months.
PPO Network
Ideal for Parents visiting USAGreen Card holdersUS citizens visiting USAB1 Visa holders
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 Lite Reviews 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 this plan. The insurance costs $1.41 per day.
Complete your Patriot America Lite insurance application form to ensure you have the coverage you need while traveling to the USA.
Traveler can get all the plan document and plan id card by using Patriot America Lite insurance login. At American Visitor Insurance, USA 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!
Reviews, Ratings and Experiences
For coverage inside USA insurance pays:
Plan excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.
The Patriot America Lite cost per day is ranges from $1.14 to $13.47. This is dependent on the factors namely age of the traveler, the plan maximum and the deductible.
The cost of Patriot America Lite is higher for older travelers as they are more likely to need medical care while traveling.Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
For Example here we are showing Patriot America Lite travel insurance cost per day with deductible of $250.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | ||
| 0 – 17 years | $1.14 | $1.80 | $1.99 | $2.50 | $2.87 | |
| 18 – 29 years | $1.14 | $1.80 | $1.99 | $2.50 | $2.87 | |
| 30 – 39 years | $1.76 | $2.37 | $2.78 | $2.98 | $3.27 | |
| 40 – 49 years | $2.31 | $2.83 | $3.18 | $3.76 | $4.19 | |
| 50 – 59 years | $3.89 | $4.78 | $5.86 | $6.26 | $6.68 | |
| 60 -64 years | $4.93 | $6.37 | $6.95 | $8.67 | $9.34 | |
| 65 – 69 years | $4.99 | $6.69 | $8.37 | $9.64 | $10.27 | |
| 70 – 79 years | $8.12 | $10.87 | ||||
For senior travelers aged 80 to 99, the cost is $13.47, with a maximum coverage of $10,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
Patriot America Lite is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.
Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.
The cost of Patriot Lite visitor 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 $50,000, $100,000, $250,000, $500,000, $10,00,000 depending on the age of traveler. To get a Patriot America lite quotes Click here.
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.
Patriot America lite is available for non-US citizens, including green card holders travelling to the USA. US citizens living outside USA who want to visit US. They must have lived outside the U.S. continuously for the past six months and must have an active health insurance plan in place.
The various types of Patriot Insurance plans differ based on the level of coverage they provide. For example, the Patriot America Insurance plan offers coverage for non-U.S. citizens traveling to the USA.
The Patriot America Plus Insurance plan also covers 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 first class coverage up to $8,000,000 and Patriot Platinum international available for US citizens traveling outside USA.
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 Lite 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.
You are eligible for Patriot America Lite if you are a non-U.S. citizen traveling to USA for a minimum of five days up to a maximum of two years. Green Card Holders in the US are eligible as long as their primary residence is outside the US.
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 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.
Consider an example where your
Insurance coverage $50,000
Deductible $250 per certificate period
Medical expenses Claims$24,250
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $250 | $0 | $250 |
| Days in hospital | $2,000/day for 3 days | $6,000 | $0 |
| Surgery | $16,000 | $16,000 | $0 |
| Prescription Drugs | $600 | $600 | $0 |
| X Ray | $1,400 | $1,400 | $900 |
| Total: | $24,250 | $24,000 | $250 |
Get quotes for groups of five or more people traveling outside their home country!
Find the best group insurance quotes »A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. This insurance have two different network providers.
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot America Lite insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot America Lite PPO network »Download Patriot America Lite claims form
