Best visitor medical insurance for Non US citizens traveling to the US.
Get Quotes for groups of five or more people, 5% discount available for Patriot Lite group plan
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).
IMG patriot lite insurance can be purchased from 5 days to 364 days and it can be renewed up to 2 years. US citizens living abroad and visiting USA can also buy this plan. Complete your Patriot America Lite insurance application form to ensure you have the coverage you need while traveling to the USA.
After buying the plan, Traveler can get all the plan document and plan id card by using Patriot America Lite login. At American Visitor Insurance, US Travelers can contact the Patriot America Lite insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
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UnitedHealth Care PPO
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IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Lite insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Find Hospitals and DoctorsHome 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 |
Prescription drugs and medications? help | Up to the plan maximum limit, may not exceed $250k (Dispensing limit per prescription: 90 days)) |
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 |
Lost luggage help | $50 per item, $500 maximum limit. Not subject to deductible |
Telehealth | Optional add-on available |
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal 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.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
Age | Maximum limit |
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0-49 years | $50k certificate period |
50-59 years | $30k certificate period |
60-64 years | $15k certificate period |
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)
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 picture_as_pdf
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.
Available an individual plans 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. 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.
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
Benefit | Limits |
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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. |
Contact our customer service team, we are here to help you!
The cost of Patriot America Lite insurance for seniors is dependent on a few factors namely the age of the traveler, the plan maximum 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 up to age of 64 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000. Travelers aged 65 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.
For Example here we are showing cost for seniors per month with deductible of $250.
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.
The cost of Patriot Lite visitor 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, $500,000, $10,00,000 depending on the age of traveler. To get a Patriot America lite quotes Click here.
Patriot America Lite is a type of travel medical insurance plan offered by IMG . It is designed to provide coverage for short-term travel outside of your home country, particularly for non-U.S. citizens who are visiting the United States.
This plan is a good option for providing coverage for emergency medical evacuation, emergency medical coverage like emergency medical treatment, hospital stays, surgery, and other essential medical services for travel outside your home country and this plan is affordable compare to other travel medical plans. But this plan does not offers coverage for pre-existing conditions.
Patriot America lite is available for non-US citizens, including green card holders travelling to the USA. US citizens living outside USA who want to visit US. They must have lived outside the U.S. continuously for the past six months and must have an active health insurance plan in place.
The various types of Patriot Insurance plans differ based on the level of coverage they provide. For example, the Patriot America Insurance plan offers $1million coverage for non-U.S. citizens traveling to the USA.
The Patriot America Plus Insurance plan plan also offers $1million coverage for non-U.S. citizens traveling to the USA, but includes extra benefits, such as coverage for Acute on set of pre-existing coverage, adventure sports.
Meanwhile, the Patriot Platinum America Insurance plan is designed for non-U.S. citizens traveling to the USA and this plan offers high end class coverage up to $8,000,000.
No. Patriot America Lite doesn't offers coverage for Pre-existing conditions. Travelers who need coverage for pre-existing conditions they can buy Patriot America Plus insurance, this plan covers acute on set of pre-existing conditions up to 70 years.
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.
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.
Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.
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.
You are eligible for Patriot America Lite if you are a non-U.S. citizen traveling to USA for a minimum of five days up to a maximum of two years. Green Card Holders in the US are eligible as long as their primary residence is outside the US.
Yes. Adventure sports coverage is available as optional rider 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 any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, cannoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
Some of the exclusions of Patriot Lite insurance are:
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.
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.
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