Patriot America Lite Insurance Reviews

Best visitor medical insurance for Non US citizens traveling to the US.

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International Medical Group Insurance

Patriot America Lite Insurance for US Visitors

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).US citizens living abroad and visiting USA can also buy Patriot America Lite Insurance.

Key benefits of Patriot America Lite Insurance

B1 Visa holders for their business trips to the USA

Comprehensive plan

Greencard holders visiting USA

PPO network

Renewability

Best US Immigrant Health Insurance

Patriot America Lite Insurance Review, Patriot Travel Insurance Review

Policy maximum
$50k $100k $500k $1M
Deductible options
$0 $100 $250 $500 $1,000 $2,500
Insurance provider
International Medical Group
Patriot America Lite rating
AM Best Rating: "A" (Excellent)
Patriot America Lite insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life - 5 days to 12 months.
Patriot America Lite Insurance can be renewed online maximum up to 24 months.
Coinsurance
Patriot America Lite In Network - The plan pays 100%
100%
Patriot America Lite Out of Network
80%

The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot America Lite Visitor Insurance Links

  • Brochure
  • Add on benefits
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider network
  • Application
  • Comprehensive
Key Highlights of Visitors Care

Patriot America Lite travel Insurance - Key Highlights

  • Plan is available for both US citizens and Non US citizens living abroad visiting the US
  • This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US
  • This plan can be renewed for up to 2 years.
  • Patriot America Lite offers coverage for adventure sports and other sports activities.
  • Plan co insurance factor: This plan pays 100% after the deductible for a claim expense, when the treatment is received within the PPO and for treatment received outside the PPO, the plan pays 80% of eligible expenses up to $5000 and then 100% up to the maximum limit.

A working example of using Patriot America Lite insurance *

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $250 per certificate period
  • Coinsurance for claims incurred inside US and in the PPO: The plan pays 100%
  • Your claims for medical expenses is $24,250
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,250 minus $250 equals $24,000. Insured bears $250
  2. Apply 100% coinsurance.
  3. Plan/insurance company pays 100%: $24,250 and insured bears $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 $0
Total: $24,250 $24,000 $250
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Patriot America Lite insurance does not cover covid, but IMG has introduced the new plans for covid19 that is Patriot America Plus and Patriot Platinum

Patriot America Lite travel insurance reviews

  • Coverage for travelling outside their home country when destination includes US and its territories.
  • Plan maximum options available up to $1 million.
  • Provides optional coverage for adventure sports up to $50,000.
  • US citizens, expats and business travelers living outside US and want to visit USA can buy Patriot travel insurance.
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What are some travel insurance terms important to understand Patriot America Lite Insurance reviews?

  • Plan Maximum coverage of Patriot America Lite travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America Lite insurance offers maximum coverage up to 1 million.
  • What is a deductible in Patriot America Lite visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot America Lite insurance has deductible options from $0 up to $2,500
  • What is a provider network of Patriot America Lite Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Patriot America Lite visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot America Lite plan have no coinsurance coverage outside USA.
    For coverage inside USA:
    Patriot America Lite pays
    • IN PPO NETWORK
      The plan pays 100%.
    • OUT OF PPO NETWORK
      The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Renewability of Patriot America Lite Travel health insurance
    Patriot America Lite Insurance can be renewed from 5 days to 364 days and later can be renewed maximum up to 2 years.
  • Eligibility to buy Patriot America Lite Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Lite has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Underwriter and Eligibility of Patriot America Lite Insurance
    Patriot America Lite Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.
Patriot America Lite Insurance cost per month for seniors

Patriot America Lite travel Insurance - Common Questions

01. What are the benefits of Patriot America Lite insurance?

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.

02. How much does Patriot America Lite travel insurance cost?

The cost of Patriot America 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.

03. What are the requirements for purchasing Patriot America Lite insurance?

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.

04. How do I purchase Patriot America lite insurance?

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.

05. What is the coverage area of Patriot America Lite insurance?

Patriot America Lite insurance provides coverage worldwide except in your country of citizenship.

06. What are the different types of patriot insurance?

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 America Plus 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.

07. Does Patriot America Lite Insurance cover pre-existing conditions?

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.

08. How does Patriot America Lite insurance provider offer coverage for medical expenses?

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.

09. Can US citizens buy Patriot America Lite insurance?

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.

10. How can one use Patriot America Lite visitor medical insurance in case of emergency in USA?

Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.

11. I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Lite insurance?

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.

12. Which is the best visitor insurance in USA?

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries.

We can get you an ideal tourist medical insurance in USA. We offer Patriot America Lite insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.

13. Who is eligible for Patriot America Lite insurance?

You are eligible for Patriot America Lite if you are a non-U.S. citizen traveling outside your home country for a minimum of five days up to a maximum of two years.

14. Are pre-existing conditions covered by Patriot America Lite?

For travelers under age 70, coverage for acute onset of pre-existing conditions is available up to $50K. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition that requires urgent care.

15. Does Patriot America Lite insurance covers Adventure sports?

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 injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy Click here to know more.

16. What is covered in Patriot Lite travel health insurance?

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.
17. What are the exclusions of Patriot Lite insurance?

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.
18. Does the IMG Patriot America Lite Insurance plan meet Visa requirements?

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.

19. Which medical network do I have access to in the U.S. with my Patriot America Lite insurance?

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.

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Patriot America Lite Insurance Information

  • Patriot America Lite Insurance Advantages

    • It is a comprehensive benefit plan.
    • Good provider network.
    • One time deductible per policy period.
    • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
    • Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
    • Discounts on pharmacy for certificate holders of patriot plans through participating pharmacies in the US.
    • Optional rider cover for adventure sports, AD&D, citizenship return rider and cellular Phone Rider.
    • Coinsurance outside US & Canada - No coinsurance.
    • Coinsurance inside US & Canada - Within PPO network, plan pays 90% of eligible expenses up to $5,000, then 100% up to Max limit. Outside PPO network, plan pays 80% of eligible expenses up to $5,000, then 100% up to Max limit.
    • US expats looking to visit the US can buy Patriot travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Patriot America Lite Insurance Disadvantages

    • This plan does not cover pre-exitsing conditions.
    • Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US and for below 65 year old the coverage must begin within 6 months of arrival in US.
Patriot America Lite PPO Network

Patriot America Lite - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Patriot America Lite review unique benefits

  • For those under 65 years of age and visiting the US initial period of coverage must begin within 6 months of arrival and for those above 65 it must begin within 30 days of arrival.
  • Plan can be purchased for a minimum of 5 days and can be renewed (unless there is a break in coverage) for a total of up to 2 years.
  • Each insured person must only satisfy one deductible and co insurance within each 12 months coverage period.
  • Claims must be presented to IMG for payment within the period of coverage, benefit period or during the 3 months immediately following the period of coverage.
  • There is no Co insurance for the treatment received outside the USA and Canada.
  • As per the precertification, the insured or their attending physician must call the number listed on the IMG Identification Card prior to the admittance to a hospital or performance of a surgery. Billing will be done directly if precertification is obtained.
  • Plan offers variety of OPTIONAL RIDERS:
    • Adventure Sports Rider up to $50,000
    • Enhanced AD&D Rider up to $400,000
    • Evacuation Plus Rider
    • Chaperone/Faculty Leader Replacement Rider (avaliable on group plans)

View complete details of benefits

Patriot America Lite Insurance Restrictions

Patriot America Lite Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Top nationalities who buy Patriot America Lite Travel Insurance

IMG visitors insurance related links

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Patriot America Lite Insurance FAQ

Frequently asked questions and answer about travel insurance plans.

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Patriot America Lite insurance blog

Blog about cheap travel health insurance from IMG.

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Patriot America Lite insurance forum

Customer queries about Patriot America Lite insurance plan.

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Patriot America Lite Insurance Claims

Claims about the travel insurance.

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