Patriot America Lite Insurance Reviews

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 America Lite insurance for visitors to USA 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 America 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 America 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 America Lite insurance provides coverage in US and its territories.

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.

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.

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.

This plan covers 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, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
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Patriot Lite travel health insurance is a plan that provides basic coverage and benefits for travelers who want an affordable protection. It covers eligible medical expenses incurred during your trip, up to the chosen policy limit. In case of a medical emergency, the plan also covers emergency medical evacuation and repatriation.

Some of the coverage’s included in Patriot Lite travel health insurance are:

• Physician visits and services up to the maximum limit.
• Urgent care clinic with a $25 copay.
• Hospital emergency room, hospitalization, room and board, and intensive care up to the maximum limit.
• Local ambulance up to the maximum limit.
• Acute onset of pre-existing conditions up to $50K for travelers under age 70.
• Remote transportation up to $5K per period and $20,000 lifetime maximum.
• Supplemental accident up to $300 per covered accident.
• Outpatient surgical/hospital facility, laboratory, radiology, chemotherapy, radiation therapy, pre-admission testing, and surgery up to the maximum limit.
• Reconstructive surgery incidental to and following a covered surgery.
• Bedside visit up to $1,500 maximum limit for travelers hospitalized in an intensive care unit.
• Return of mortal remains or cremation/burial up to $50Kmaximum limit.
• Return of minor children up to $50K maximum limit.
• Accidental death and dismemberment up to $25K principal sum.
• Dental treatment due to an accident up to the maximum limit or due to sudden dental pain up to $100.

Some of the exclusions of Patriot Lite insurance are:

• War, military action, terrorism, and any related consequences.
• Any use of radiological, chemical, nuclear or biological weapons or events.
• Adventure sports activities.
• Pre-existing medical conditions, except for acute onset of pre-existing conditions up to $50K for travelers under age 70.
• HIV, AIDS, and any related conditions.
• Routine physicals, immunizations, and preventive care.
• Dental treatment, except for accidental injury or sudden pain.
• Vision or hearing tests and treatment.
• Pregnancy, childbirth, and newborn care.
• Mental or nervous disorders and substance abuse.
• Organ transplants and experimental treatments.
• Injury or illness resulting from a motor vehicle accident if the insured person operated the vehicle without a proper license or while under the influence of alcohol or drugs.
• Injury or illness resulting from participation in professional sports, athletic events, violation of law or criminal acts.

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.