Policy maximum
$50k, $100k, $500k and $1M
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
Acute onset of a pre-existing condition
Covers up to the age of 70 years.
Renewability
Plan is renewable up to a maximum of 2 years.
PPO Network
Patriot International Lite is a comprehensive travel medical insurance available for both non-US citizens and US citizens traveling outside their home country, excluding USA. Available for individuals, families, and groups.
Traveler can get all the plan document and plan id card by using Patriot International Lite insurance login. At American Visitor Insurance, International Travelers can contact the Patriot International Lite insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
"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."
"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."
" 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."
Below is a simple calculation showing how much the plan/insurance company pays you:
| Expense | Billed | Insurance pays | You Pay |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Hospital Stay (for 3 days) | $6,000 | $6,000 | $0 |
| Surgery | $16,000 | $16,000 | $0 |
| Prescription Drugs | $600 | $600 | $0 |
| Diagnostic X-rays & Lab Services | $1,400 | $1,400 | $0 |
| Total: | $24,100 | $24,000 | $100 |
* 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.
The Patriot International Lite cost per month ranges between is starting at just $29 to $379 per month, based on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Patriot International Lite insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | |
| 18 – 29 years | $29 | $35 | $41 | $45 |
| 30 – 39 years | $33 | $40 | $50 | $52 |
| 40 – 49 years | $55 | $65 | $74 | $74 |
| 50 – 59 years | $94 | $109 | $115 | $117 |
| 60 -64 years | $121 | $132 | $143 | $144 |
| 65 – 69 years | $143 | $156 | Not available | |
| 70 – 79 years | $214 | Not available | ||
For senior travelers aged 80 to 99, the cost is $379, with a maximum coverage of $10,000 and a deductible of $250.
American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different IMG travel insurance plans (Patriot travel insurance…) easily and make an informed decision of the best IMG travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries or concerns while buying IMG travel insurance. The customer support staff are available at all times to help you with the online application process as well as to help customers while filing for IMG insurance claims should you need to use the insurance coverage while in the USA.
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 $50,000, $100,000, $500,000, $1,000,000 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 International Lite Insurance plan provides coverage for non-US citizens and US citizens traveling outside their home country, Excluding USA.
The Patriot International Platinum offers first class medical coverage up to $8,000,000 and provides coverage for non-US citizens and US citizens traveling outside their home country, Excluding USA.
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 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.
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.
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:
Yes, Patriot International Lite insurance meets Schengen visa requirements. The Patriot international lite Schengen visa plan satisfies the following criteria for Schengen visa insurance:
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.
Yes. Patriot International lite have $50 cancellation fee after the effective date.
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »To file a claim with Patriot America Lite Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124.
Email Help
customercare@imglobal.com
Frequently asked questions and answer about travel insurance.
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