Patriot America Lite Insurance, IMG Patriot insurance, IMG Patriot America Lite travel insurance

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Benefits
Advantages of Patriot America Lite
It is a comprehensive benefit plan.

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.
Disadvantages of Patriot America Lite
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.
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Comprehensive plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

IMG Patriot America Lite visitor health insurance summary

Patriot America Lite Travel insurance optional riders

Adventure Sports Rider
Chaperone/Faculty Leader Replacement Rider
Accidental Death & Dismemberment
Bolt Device Protection (Cellular Phone Rider)
Trip Cancellation, Interruption and Travel Delay Rider

Click here to read more

Patriot America Lite Visitor insurance renewal

Patriot America Lite visitor insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
Prior to the end of each period of coverage purchased, you will receive renewal information.
You have the option to renew online or you may complete a paper renewal form.
Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.

Eligibility to buy Patriot America Lite health insurance

People travelling outside their home country whose destination includes the US and its territories.
US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips

Age of traveler	Maximum of $50K	Maximum of $100K	Maximum of $500K	Maximum of $1M
60 - 64 years	$146	$192	$285	$292
65 - 69 years	$168	$215	$316	$323
70 - 79 years	$250	Not Available	Not Available	Not Available
80 - 99 years	$422	Not Available	Not Available	Not Available

Plan benefits of Patriot America Lite insurance

In-Patient Medical Benefits

Eligible medical expenses	Up to the maximum limit
Home Nursing Care	Up to the maximum limit (Upon direct transfer from an acute care facility)
Hospital room and board	Average semi-private room rate, including nursing services
Surgery	Up to the maximum limit
Intensive care unit	Up to the overall maximum limit.
Bedside visit	$1.5k maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Supplemental Accident	Maximum limit per covered accident: $300
Physician visits	Physician visits or services: Up to the maximum limit
Prescription drugs and medications?	Up to the plan maximum limit, may not exceed $250k (Dispensing limit per prescription: 90 days))

Out-Patient Medical Benefits

Urgent Care Clinic	$25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Physician visits	Up to the maximum limit
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray	Up to the maximum limit
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory	Up to the maximum limit
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Physical Therapy	Up to the maximum limit (Medical order or treatment plan required)
Pre-Admission Testing	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Prescription Drugs and Medications	Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Reconstructive Surgery	Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Chiropractic Care	Up to the maximum limit
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met

Emergency Services

Emergency local ambulance	Up to the maximum limit.
Hospital emergency room	Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer	Company pays 100%
Emergency eye examination	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)

Dental

Emergency dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Evacuation

Emergency medical evacuation	Up to $1M
Emergency reunion	$100k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children	$100k maximum limit. Not subject to deductible
Political evacuation and repatriation	$100k maximum limit. Not subject to deductible
Remote transportation	$5k per certificate period / $20k maximum limit
Emergency reunion	$100k maximum limit. Not subject to deductible
Natural disaster evacuation	$25k maximum limit. Not subject to deductible

Trip Protection

Natural disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Return travel	$10k maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death	$500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Identity theft	$500 maximum limit. Not subject to deductible
Terrorism	Up to $50k maximum limit. Not subject to deductible
Lost luggage	$50 per item, $500 maximum limit. Not subject to deductible

Pre-exisiting conditions

Acute Onset of Pre-Existing Conditions	Up to the maximum limit.(Insured person must be under 70 years of age) United States citizens: Age 64 and under without a primary health plan: Maximum limit: $20k Age 64 and under with a primary health plan: Maximum limit: $1M Age 65 through age 69: Maximum limit: $2.5k Non-United States citizens: Age 69 and under: Up to the period of coverage limit or $1M (whichever is lower)
Pre-Existing condition medical evacuation	$25k maximum limit for emergency medical evacuation

Life

Accidental death & dismemberment	$50k principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Common carrier accidental death	$25k per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible

Other Benefits

Pet return	$1k maximum limit. Not subject to deductible
Durable medical equipment	Up to the maximum limit
Extended care facility	Up to the maximum limit
Personal liability	$25k combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Telehealth	Optional add-on available

Expand your coverage, Select your coverage options with add on benefits

Adventure Sports Rider

Available for those 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.

Age 0-49 years: $50,000 certificate period
Age 50-59 years: $30,000 certificate period
Age 60-64 years: $15,000 certificate period

Adventure Sports Rider - More Details

Chaperone/Faculty Leader Replacement Rider

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)

Chaperone Replacement Rider - More Details

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.

Accidental Death & Dismemberment - More Details

Mobile Device Protection^*

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

^*Rider option is available in select countries on individual plans only.

Trip Cancellation, Interruption and Travel Delay Rider^**

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

^**Rider option is available an individual plans far U.S. residents only.

Teladoc Rider

Insured Person meets the eligibility requirements, they are eligible for this rider

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

IMG Patriot America Lite travel insurance - Frequently asked questions

Can I buy Patriot America Lite insurance after my arrival in the US?

Yes Patriot America Lite insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot America Lite insurance within a 6 month time period after arriving in the US.

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.

How do I cancel Patriot America Lite Insurance?

Patriot America Lite Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

Full refund of premium.

Cancellation after effective date:

$50 cancellation fee will be charged by the insurance company.
Only full month premium will be considered for refund.

I wish to extend my stay in the US, is it possible to renew Patriot America Lite Insurance?

Yes Patriot America Lite Insurance is available up to a maximum of 364 days. Visitors to USA can renew Patriot America Lite insurance online to extend their coverage.

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.

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.

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