Patriot International Lite Insurance Reviews

Patriot International Lite insurance cost

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Patriot International Lite travel medical insurance

“A” (Excellent) by A.M. Best
Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Ideal for Schengen visaAcute on set of pre-existing conditions

Patriot travel insurance reviews

Patriot International Lite comprehensive travel medical insurance is available for both Non US citizens and US citizens traveling outside their home country,excluding USA.Available for individuals, families, and groups.Patriot International Lite insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years. This plan meets Schengen Visa requirements or Europe Long Term visa requirements.

Patriot International Lite visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years.

  • Brochures
  • Benefits
  • Add on Benefits
  • Claims

Patriot International Lite visitor insurance - Key Highlights

  • Plan is available for both US and Non-US citizens traveling outside the US.
  • The policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
  • The deductible options available are $0, $100, $250, $500, $1000, and $2500
  • Coinsurance is available 100% up to the maximum limit.
  • Acute on set of pre-exisitng condition available up to 70 years
  • Emergency medical evacuation coverage up to $1,000,000
  • Urgent Care visits up to $25 copay

IMG Patriot Lite insurance reviews

Reviews, Ratings and Experiences

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
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
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

Advantages and Disadvantages of Patriot International Lite Insurance

  • Patriot International Lite Insurance Advantages
    • It is a comprehensive benefit plan.
    • One time deductible per policy period.
    • This plan can be extend and cancelled.
    • The IMG travel insurance plan maximum lifetime is 5 days to 12 months.
    • Plan is renewable for up to 2 years.
    • Optional Adventure sports coverage is available.
  • Patriot International Lite Insurance Disadvantages
    • Acute onset of Pre-existing coverage not available beyond 70 years.
    • Only $10,000 maximum coverage for 80+ travelers.

An Overview of Patriot International Lite, Patriot health insurance review


  • Available for Non US citizens travelling to the USA.
  • For ages 14 days to 99 years.


  • Coverage is available from 5 days to 12 months.
  • Renewed online max up to 24 months.

Pre-existing condition

  • Offers Acute onset of pre-existing coverage up to the age of 70 years.
  • Covers Emergency medical evacuation available for up to $1M.


  • Before effective date: Full refund of premium is available.
  • After effective date $50 cancellation fee will be charged by the insurance company.


For coverage inside USA Patriot International Lite insurance pays:

  • In the PPO Network: The plan pays 100%.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5000, then 100% up to the max limit


Plan excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.

A working example of using Patriot International Lite*

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Plan/insurance company pays 100%: $23,900 and insured bears $100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Days in hospital $2,000/day for 3 days $5,900 $100 (Deductible)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24000 $23,900 $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.

Plan details of Patriot International Lite insurance

Patriot International Lite Insurance - FAQ's

01. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02. What are the benefits of Patriot International Lite insurance?

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.

03. How much does IMG Patriot International Lite cost?

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.

04. What are the requirements for purchasing Patriot International 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.

05. How do I purchase Patriot International Lite visitor medical insurance?

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.

06. What is the coverage area of Patriot International Lite insurance?

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

07. What are the different types of patriot Lite Travel 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 International Lite 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.

08. Can I buy Patriot International Lite insurance for Schengen visa?

Yes, you can buy Patriot International Lite 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.

09. Which is an ideal temporary medical insurance plan for US citizens travelling outside US?

Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.

10. How does Patriot International Lite insurance offer coverage for 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 insurance reviews working example.

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

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.

Are you traveling in Groups?

Get quotes for groups of five or more people traveling outside their home country!

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Patriot International Lite - PPO network

Patriot International 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 International Lite Insurance cost per month for Seniors

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Patriot International Lite Claims Information

Download Patriot International Lite claims form

Toll Free Number

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
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Top nationalities who buy Patriot International Lite

IMG Travel Insurance related coverage

Patriot Group insurance

Group of 5 or more travelersNewly arrived immigrants

  • Patriot America Lite Group - Coverage for Inside the US
  • Patriot International Lite Group - Coverage for Outside the US

Patriot America Plus insurance

Acute onset of pre-existing conditions

  • US citizens living abroad and visiting USA can also buy this plan.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.

Patriot Platinum insurance

First-class medical coveragePre-existing conditions

  • Best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
  • Available for Non US citizens travelling outside their home country.

Patriot America Lite insurance

Parents visiting USAB1 Visa holders

  • Provides coverage for travelling outside their home country when destination includes US and its territories.
  • US citizens living abroad and visiting USA can also buy this plan.