Travel with confidence with one of the best international medical travel insurance plan for coverage anywhere outside your home country. Patriot International Lite offers affordable protection for medical emergencies, including acute onset of pre-existing conditions, along with access to the International Provider Access (IPA) network. From less than $1/day · $29 per month
Patriot International Lite Insurance is a comprehensive travel medical insurance plan designed for non-U.S. citizens visiting the United States, either individually or in groups. It provides coverage for sudden illness and emergency medical situations while traveling. COVID-19 is covered if it is contracted after the policy start date. The plan is backed by a highly rated insurance company (A rating by AM Best) and is one of the popular choices for travel health insurance for visitors to the USA.
Top Reasons to Buy Patriot International Lite Insurance Before Your Trip:After buying the plan, Travelers can get the Patriot International Lite id card and all the plan document by using Patriot International Lite insurance login You can also complete the Patriot International Lite insurance application form. to ensure you have the coverage you need while traveling to the USA. At American Visitor Insurance, USA 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!
Patriot International Lite is an affordable travel medical insurance plan designed for U.S. citizens and non-U.S. citizens traveling outside their home country, excluding the United States.It's a great choice for international tourists, students, families, and business travelers who need essential medical coverage while abroad. Here are the key reasons to choose Patriot International Lite Insurance:
Patriot International Lite covers acute onset of pre-existing conditions, providing necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment for travelers under age 70.
What is covered:Patriot International Lite is ideal for:
Not the right fit if you need : maternity benefits, long-term health insurance, or coverage inside the United States.
The cost of Patriot International Lite Insurance ranges from $28 to $367 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample daily rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| 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 | 214 | $156 | Not Available | |||
| 70 – 79 years | 214 | Not available for this age group | ||||
| 80 – 99 years | $379/month $10,000 max only, $250 deductible | |||||
For senior travelers aged 80 to 99, the cost is $379, with a maximum coverage of $10,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
Patriot International Lite Insurance offers travel medical coverage for visitors to the USA. It helps pay for medical emergencies, hospital stays, and unexpected trip interruptions. The plan also allows you to choose from different deductible options, making it flexible based on your budget. Overall, it provides useful financial protection so travelers can get medical care and support while visiting the United States.
| Home Nursing Care help | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Bedside visit help | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible |
| Outpatient Surgical / Hospital Facility help | Up to the maximum limit |
| Laboratory help | Up to the maximum limit |
| Chemotherapy / Radiation Therapy help | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery help | Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) |
| Anesthesia help | Up to the maximum limit |
| Chiropractic Care help | Up to the maximum limit |
| Extended care facility help | Up to the maximum limit |
| Emergency eye examination help | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) |
| Hospital room and board help | Average semi-private room rate, including nursing services |
| Radiology / X-ray help | Up to the maximum limit |
| Physician visits help | Physician visits or services: Up to the maximum limit |
| Physical Therapy help | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic help | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Urgent Care Clinic help | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury help | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Surgery help | Up to the maximum limit |
| Intensive care unit help | Up to the overall maximum limit. |
| Durable medical equipment help | Up to the maximum limit |
| Emergency dental treatment help | $300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Prescription Drugs and Medications help | Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
| Supplemental Accident help | Maximum limit per covered accident: $300 |
| Hospital emergency room help | 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 |
| Physician visits help | Up to the maximum limit |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster help | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation help | Up to $1,000,000 |
| Return of mortal remains or cremation/burial help | 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 |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20k maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental death & dismemberment help | $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible |
| Personal liability help | $25,000 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 |
| Pet return help | $1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death help | $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person) |
| Return travel help | $10,000 maximum limit. Not subject to deductible |
| Identity theft help | $500 maximum limit. Not subject to deductible |
| Common carrier accidental death help | $25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Acute Onset of Pre-Existing Conditions help | United States citizens: Age 64 and under without a primary health plan:
Age 69 and under:
|
| Pre-Existing condition medical evacuation | $25,000 maximum limit for emergency medical evacuation |
| Lost luggage help | $50 per item, $500 maximum limit. Not subject to deductible |
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
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.
Groups may purchase the Chaperone/Faculty Leader Replacement Rider or added travel protection.This rider provides reimbursement of up to $3,000 for a round-trip economy airline ticket for a replacement Chaperone or Faculty Leader if the originally designated individual is unable to travel due to:
The AD&D Rider provides additional financial protection by paying up to $400,000 to you or your beneficiaries if death or dismemberment occurs as a direct result of an accident.
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details
Bolt Device Protection - More Details
*Rider option is available in select countries on individual plans only.
Available an individual plans U.S. residents only
Should something unexpected happen before or during your trip, this optional rider can help protect you from financial loss by covering:
While all Patriot plans include basic return travel benefits, the Trip Cancellation, Interruption, & Travel Delay Rider offers expanded coverage for unforeseen events.
If you are unable to travel due to a covered reason (such as illness, natural disaster, or other unexpected situations), this rider can reimburse you for up to 100% of prepaid, non-refundable payments or deposits that would otherwise be lost. Protect your travel investment and gain peace of mind before your journey begins.
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. |
When outside the U.S., you can also enjoy access to quality healthcare worldwide with our IMG's proprietary International Provider Access (IPA network) that includes more than 45,000 accomplished physicians and facilities allows you to access quality care worldwide. The IPA search tool will identify providers with direct billing.
Find PPO Network Providers »Patriot International Lite Insurance is a good option for travelers looking for affordable travel medical insurance. It covers eligible medical emergencies, hospitalization, physician visits, emergency medical evacuation, and other covered expenses while traveling outside your home country.
International Medical Group (IMG) offers the Patriot International Lite insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
Yes Patriot International Lite Insurance is available up to a maximum of 364 days. Visitors to USA can renew Patriot International Lite insurance online to extend their coverage.
Yes. It is a popular visitor insurance option for Indian travelers, parents, relatives, tourists, and business visitors traveling to the United States.
Yes, this plan can be extended for a minimum of 5 days up to 12 months at a time, with a maximum total coverage period of 24 continuous months. Before each coverage period ends, renewal information will be provided, and you can renew online or by submitting a paper renewal form. Each insured person is required to pay one deductible and coinsurance per 12-month coverage period.
Yes, the IMG Patriot International 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.
Yes, Patriot International Lite is an excellent choice for Indian parents visiting the U.S. It offers comprehensive medical coverage, including the acute onset of pre-existing conditions (up to policy maximum for travelers below 70), which is important for elderly visitors.
While ongoing treatment for pre-existing conditions is not covered, the plan does cover the acute onset of these conditions, meaning a sudden and unexpected flare-up. This is especially helpful for common issues like diabetes, high BP, or heart conditions.
Yes, they can visit any hospital or doctor. However, if they use the UnitedHealthcare PPO network, they benefit from direct billing and lower out-of-pocket costs.
Yes, the plan includes COVID-19 coverage as any other eligible illness, provided it is contracted after the policy becomes effective.
Patriot International Lite Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500
