Patriot America Lite Travel Insurance

Ideal for Us citizens visiting USAB1 Visa holders for their business trips to the USAdventure Sports

Patriot America Lite insurance cost

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Patriot America Lite Visitor Insurance, IMG Patriot America Lite Insurance

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).

Patriot America Lite visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years. 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 Reviews, Patriot Travel Insurance Review

Policy maximum
$50k $100k $500k $1M
Deductible options
$0 $100 $250 $500 $1k $2.5k
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 of IMG Patriot Lite
In Network - The plan pays 100%
100%
Out of Network
80%

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

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Patriot America Lite Links

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  • Benefits
  • Advantages
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  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Application
  • Comprehensive plan

IMG Patriot America Lite visitor health insurance summary


Eligibility to buy Patriot America Lite 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 six months and they must have a current health plan in force.
  • Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips.
  • This plan can be renewed for up to 2 years.

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.

Coinsurance of IMG Patriot America Lite Insurance
  • For treatment received outside the U.S: No coinsurance
  • For treatment received within the U.S:
  • In the PPO Network: The plan pays 100%.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

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
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
  • 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 $5k and then 100% up to the maximum limit.
  • Short-term travel medical coverage.
  • Coverage for individuals, groups, and their dependents.

Steps to buy travel insurance


Complete the quote form by entering your travel information

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Patriot America Lite

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.

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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 Covid ?

No.Patriot America Lite insurance does not cover covid19, however IMG offers Covid19 travel insurance with Patriot America Plus insurance and Patriot America Platinum insurance.

08. 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.

09. 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. 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.

15. 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.

16. Are adventure sports covered in the Patriot America Lite insurance?

No, adventure sports coverage is not available in the Patriot America Lite insurance. If you are looking for a plan that covers adventure sports activities, you may consider Patriot America Plus or Patriot Platinum America plans.

17. 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.
18. 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.
19. 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.

20. 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.

Plan benefits of Patriot America Lite insurance

  • 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))
  • 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 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)
  • 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%
  • 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
  • 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
  • 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
  • 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
  • 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
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Expand your coverage, Patriot America Lite optional riders

01. 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 Maximum limit
0-49 years $50k certificate period
50-59 years $30k certificate period
60-64 years $15k certificate period
02. Chaperone / Faculty Leader Replacement Rider

Available for Groups only

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 $3k 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  

03. Enhanced Accidental Death & Dismemberment Rider AD&D Rider

Available for Individuals

The AD&D rider will pay you or your beneficiaries up to $400k 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  

04. Mobile Device Protection

Available in select countries on individual plans only.

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  

05. Trip Cancellation, Interruption and Travel Delay Rider

Available on individual plans for U.S. residents only.

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.

If 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.

Patriot America Lite Insurance Restrictions

Patriot America Lite is not available for Belarus, Russia and Ukraine residents and for travelers to these countries.

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