What PPO network does Patriot America Lite use?

In the U.S., Patriot America Lite provides access to both the UnitedHealthcare Options PPO network and the FirstHealth PPO network. Using in-network providers means the plan pays 100 percent of eligible expenses after your deductible. Out-of-network care is covered at 80 percent up to $5,000, then 100 percent up to the maximum.

verified AM Best "A" (Excellent) Rated · IMG Insurance

Patriot America Lite Insurance Reviews 2026

Comprehensive short-term travel medical insurance for non-US citizens visiting the United States. Trusted by thousands of visitors, parents & green card holders annually.

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Patriot America Insurance Reviews

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Policy maximum

$50,000, $100,000, $250,000, $500,000, $1,000,000

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Deductible

$0, $100, $250, $500, $1,000, $2,500

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Comprehensive plan

Covers eligible medical expenses

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Renewability

Up to 24 months

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Pre-existing conditions

Acute onset covered up to 70yrs

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PPO network

United Healthcare & First Health

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Client Stories

IMG Patriot America Lite Insurance Reviews

★★★★★

"The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number - we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence."

Steve E

✓ Verified Customer

★★★★

"Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything."

Joan

✓ Verified Customer

★★★★★

"I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well."

Kelli M

✓ Verified Customer

Who Qualifies

Eligibility Requirements

Patriot America Lite is designed for non-U.S. residents traveling to the United States. Review the criteria below before purchasing.

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Non-U.S. Residents

Open to any non-U.S. resident traveling to the USA for business, tourism, study, or cultural exchange.

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Green Card Holders

Eligible provided your primary residence is outside the United States.

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U.S. Citizens Living Abroad

U.S. citizens with a permanent residence outside the USA who are visiting can also purchase this plan.

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Age Requirements

Applicants must be at least 14 days old. Coverage is available up to age 99, with benefit limits that vary by age bracket.

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Who Cannot Apply

This plan is not available to individuals who are HIV-positive, pregnant, currently hospitalized, or disabled as of the coverage start date.

Optional Riders

Enhance Your Coverage

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Adventure Sports Rider

Covers 50+ adventure activities (skydiving, bungee jumping, kayaking, paragliding, etc.) for travelers up to age 65.

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Enhanced AD&D Rider

Enhanced Accidental Death & Dismemberment coverage available for individual policyholders beyond the basic benefit.

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Evacuation Plus Rider

Increases your emergency medical evacuation benefit beyond the standard $25,000 included in the base plan.

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Cellular Phone Rider

Optional rider to protect your mobile phone against damage or theft while traveling in the United States.

Quick Analysis

Pros & Cons of Patriot America Lite Insurance

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Patriot America Lite advantages

10 benefits

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Affordable premiums compared to comprehensive plans, making it ideal for budget-conscious visitors

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Coverage available from just 5 days up to 364 days, with renewability for up to 2 years

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Access to the UnitedHealthcare and FirstHealth PPO networks nationwide

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Meets J1, J2, F1, F2, M1, M2, and A visa insurance requirements

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Flexible deductibles ranging from $0 to $2,500 allow for premium customization

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Available for individuals, families, and groups of 5 or more

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Optional adventure sports rider available for active travelers (up to age 65)

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Can be purchased even after arrival in the U.S. (within 30 days for ages 65+)

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Includes a pharmacy discount program for certificate holders

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Underwritten by SiriusPoint Specialty Insurance Corporation, rated A by A.M. Best

View Details →

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Patriot America Lite disadvantages

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Pre-existing conditions are not covered - consider Patriot America Plus for this benefit

COVID-19 is not covered under the Lite plan

Limited maximum coverage for seniors aged 80+ (only $10,000)

Not available to residents of, or travelers visiting, Belarus, Russia, or Ukraine

Applicants must not be HIV-positive, pregnant, hospitalized, or disabled on the policy start date

A $50 cancellation fee applies if the policy is cancelled after the start date

Lower coverage limits compared to Patriot Platinum America (which offers coverage up to $8 million)

View Details →

Pricing Guide

How Much Does Patriot America Lite Insurance Cost?

The cost of Patriot America Lite Insurance ranges from $1.14 to $13.47 per day, 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.

Ages 0–79: $50,000, $100,000, $250,000, $500,000 & $1,000,000 options Age 80+: $10,000 only

Age of traveler	Medical Coverage
Age of traveler	$50,000	$100,000	$250,000	$500,000	$1,000,000
0 - 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	Not available for this age group
80 - 99 years	$13.47/day $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:

×1.25

Highest premium

$100

×1.10

Higher premium

$250

×1.00

Base rate

$500

×0.90

Lower premium

$1,000

×0.80

Lower premium

$2,500

×0.70

Lowest premium

Example: A 45-year-old with $100K coverage at $500 deductible = $2.83 × 0.90 = $2.55/day

How it compares

Patriot America Lite vs Competitor Plans

See how Patriot America Lite compares with leading visitor insurance plans like Atlas America (WorldTrips), Safe Travels USA Comprehensive (Trawick International), and Patriot America Plus (IMG).

Feature	Patriot America Lite	Atlas America (WorldTrips)	Safe Travels USA (Trawick)	Patriot America Plus (IMG)
Max coverage	$1,000,000	$2,000,000	$1,000,000	$1,000,000
PPO network (USA)	UnitedHealthcare	UnitedHealthcare	First Health PPO	UnitedHealthcare
Pre-existing coverage	Not Available	Acute onset to age 80	Acute onset to age 89	Acute onset to age 70
Out-of-network coinsurance	80% - 100%	100%	100%	90% - 100%
Emergency evacuation	Up to $1,000,000	Up to $1,000,000	Up to $1,000,000	Up to $1,000,000
Renewable period	24 months	24 months	24 months	24 months
Adventure sports rider	Available	Available	Limited	Available
Telehealth	Optional add-on	Optional	Optional	Optional
Deductible options	$0–$2,500	$100–$5,000	$0–$5,000	$0–$2,500
AM Best rating	A (Excellent)	A++ (Superior)	A (Excellent)	A-
Explore Plan	View Plan »	View Plan »	View Plan »	View Plan »
Get Started	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now

*Competitor data based on publicly available plan details. Always verify current terms. Full comparison →

Patriot America Plus vs Atlas America » Patriot America Lite vs Patriot America Plus » Patriot America Plus vs Patriot America Platinum » Patriot America Plus vs Diplomat America »

Patriot America Lite Insurance Reviews vs Competitor Plans - Summary

Patriot America Lite stands out as a budget-friendly visitor insurance plan with solid core benefits, but it comes with some important limitations compared to competitors.

Coverage & Pricing: Offers up to $1,000,000 coverage, similar to most competitors, but lower than Atlas America’s higher maximum options.
Network Access: Provides access to the UnitedHealthcare PPO network, comparable to Atlas America and Patriot America Plus, while Safe Travels USA uses the First Health PPO network.
Pre-existing Conditions: Does not cover pre-existing conditions, whereas all competitor plans offer acute onset coverage (with varying age limits).
Coinsurance: Uses an 80% to 100% coinsurance structure, which is less favorable than competitors that often offer 100% coverage within PPO networks.
Emergency Evacuation & Renewability: Matches competitors with up to $1,000,000 evacuation coverage and renewability up to 24 months.
Flexibility & Add-ons: Includes options like adventure sports rider and telehealth, similar to other plans.
Overall Positioning: Best suited for travelers seeking affordable basic coverage, while plans like Atlas America, Safe Travels USA Comprehensive, and Patriot America Plus provide broader benefits and better coverage for pre-existing conditions.

Real-World Example

How Patriot America Lite Works - A Real Claim Example

Using a $50,000 policy with $250 deductible and in-network (PPO) care:

Expense	Amount Billed	Insurance Pays	You Owe
Deductible	$250	$0	$250
Hospital stay (3 days × $2,000)	$6,000	$6,000	$0
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X-Ray	$1,400	$1,400	$0
Total	$24,250	$24,000	$250

Result: On a $24,250 medical bill, you pay only $250 (your one-time deductible). The insurance covers $24,000 - that's a 99% coverage rate when using an in-network PPO provider.

Disclaimer: Example is illustrative. Actual coverage depends on policy terms, network participation, and eligibility of expenses.

Provider Access

PPO Networks - Finding a Doctor

Using an in-network provider means the plan pays 100% after your deductible. Out-of-network, the plan pays 80% up to $5,000 then 100%.

UnitedHealthcare Options

The primary network for US care. One of the nation's largest PPO networks with access to thousands of board-certified doctors and hospitals nationwide.

search Find a UHC Doctor

First Health / First Health International

Secondary network option with strong nationwide provider access. Your ID card will indicate which network applies.

search Find a First Health Doctor

Tip: When checking in at a US hospital or clinic, say: "My healthcare coverage uses the United Healthcare travel health insurance network." Always confirm PPO participation directly with the provider before your visit.

Simple Process

How Do I File a Claim With Patriot America Lite Insurance?

To file a claim with Patriot America Lite Insurance, follow these steps:

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Step 01

Download Form

Get the IMG claim form from the member portal.

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Step 02

Call Support

Speak to our licensed support staff for guidance.
1-800-628-4664

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Step 03

Submit Documents

Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.

Step 04

Email Help

customercare@imglobal.com

Common Questions

Patriot America Lite Insurance - FAQs

Patriot America Lite is a comprehensive short-term travel medical insurance plan for non-U.S. residents traveling outside their home country to the United States or its territories. It is offered by International Medical Group (IMG) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A- by A.M. Best.

The cost depends on your age, desired coverage maximum, chosen deductible, and length of coverage. As a reference, a 25-year-old buying a 30-day plan with $50,000 coverage and a $250 deductible starts at approximately $28/month. Premiums increase significantly with age. Travelers aged 80–99 with a $10,000 maximum and $250 deductible pay approximately $417/month.

No. The Patriot America Lite plan does not cover pre-existing conditions or the acute onset of pre-existing conditions. If you need coverage for pre-existing conditions, consider upgrading to Patriot America Plus, which covers acute onset of pre-existing conditions for travelers under age 70.

The plan meets insurance requirements for most U.S. visa types including J1, J2, F1, F2, M1, M2, and A visas. These are typically issued for students, scholars, cultural exchange participants, and diplomats traveling to the U.S.

Yes, the plan can be purchased after arrival in the USA. However, travelers above age 65 must purchase within 30 days of arrival. For coverage to take effect, premium must be paid on or before the effective date and you must have legally entered your destination country.

In the U.S., Patriot America Lite provides access to both the UnitedHealthcare Options PPO network and the FirstHealth PPO network. Using in-network providers means the plan pays 100% of eligible expenses after your deductible. Out-of-network care is covered at 80% up to $5,000, then 100% up to the maximum.

Yes. The plan can be extended for a minimum of 5 days up to 12 months per period, and is renewable up to a maximum of 24 continuous months total. The plan must be purchased for a minimum of 1 month to be eligible for renewal.

A full refund of premium is available if you cancel before the effective start date of coverage. After the policy start date, you will receive a refund for unused complete months minus a $50 cancellation fee charged by the insurance company.

Yes, an optional Adventure Sports Rider is available for an additional premium for insured travelers up to age 65. It covers 50+ activities including skydiving, bungee jumping, paragliding, whitewater kayaking, spelunking, jungle zip-lining, wildlife safaris, and more - as long as they are for leisure, recreation, or entertainment.

The plan is underwritten by SiriusPoint Specialty Insurance Corporation (formerly White Mountains Insurance Group), rated "A" (Excellent) by A.M. Best. It is administered by International Medical Group (IMG), a leading global health and travel insurance administrator. After purchase, you can access your ID card and documents through the IMG online portal.

Compare Plans

Patriot America Plan Comparison

Not sure which plan is right for you? Compare the three Patriot America plans side by side to find the best fit for your coverage needs and budget.

Patriot America Lite Insurance Reviews 2026

IMG Patriot America Lite Insurance Reviews

Eligibility Requirements

Non-U.S. Residents

Green Card Holders

U.S. Citizens Living Abroad

Age Requirements

Who Cannot Apply

Enhance Your Coverage

Adventure Sports Rider

Enhanced AD&D Rider

Evacuation Plus Rider

Cellular Phone Rider

Pros & Cons of Patriot America Lite Insurance

Patriot America Lite advantages

Patriot America Lite disadvantages

How Much Does Patriot America Lite Insurance Cost?

Deductible Adjustment Factors

Patriot America Lite vs Competitor Plans

Patriot America Lite Insurance Reviews vs Competitor Plans - Summary

How Patriot America Lite Works - A Real Claim Example

PPO Networks - Finding a Doctor

How Do I File a Claim With Patriot America Lite Insurance?

Patriot America Lite Insurance - FAQs

Patriot America Plan Comparison

IMG Travel Insurance Links

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