IMG Patriot America Lite Insurance
Best visitor medical insurance for Non US citizens traveling to the US.
Are you traveling as a Group?
Available 5% PatriotAmerica Lite group travel insurance discount.
What is Patriot America Lite insurance?
Patriot America Lite offers Comprehensive benefit 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 Patriot America lite id card and all the plan document 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!
Patriot America Lite Insurance Reviews
How much does Patriot America Lite travel insurance coverage offers?
What is a deductible in Patriot America Lite insurance?
What is a Coinsurance in Patriot America Lite insurance?
What are the key highlights of Patriot America Lite insurance?
- Comprehensive plan for Non US citizens visiting the USA
- Coverage available from 5 days to 364 days, renewable up to 2 years
- Short-term travel medical coverage for individuals, groups, and their dependents.
- Emergency medical evacuation covered up to policy maximum
- Urgent Care Clinic covered up to $25 copay.
- Patriot America Lite offers coverage for adventure sports and other sports activities
Who is eligible for Patriot America Lite insurance plan?
- Available for Non US residents traveling to USA
- 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.
- This travel insurance for US B1 visitors offers coverage for business trips.
- This plan is also available for Green Card holders as long as they reside outside the US.
Can the Patriot America Lite insurance be extended or renewed?
- This plan 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.
How much does Patriot America Lite insurance cost per month?
The Patriot America Lite cost per month is ranges from $44 to $417 . This is dependent on the factors namely age of the traveler, the plan maximum and the deductible.
The cost of Patriot America Lite is higher for older travelers as they are more likely to need medical care while traveling.Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
- For individuals under 69 years old: $50,000, $100,000, $250,000, $500,000, and $1,000,000 coverage options.
- For individuals aged 70 to 79 years: $50,000 and $100,000 coverage options.
- For individuals aged 80 to 99 years: $10,000 coverage option only.
For Example here we are showing Patriot America Lite travel insurance cost for one month with deductible of $250.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | ||
| 18 – 29 years | $44 | $56 | $62 | $77 | $89 | |
| 30 – 39 years | $54 | $73 | $86 | $92 | $101 | |
| 40 – 49 years | $72 | $88 | $98 | $116 | $130 | |
| 50 – 59 years | $120 | $148 | $182 | $194 | $207 | |
| 60 -64 years | $153 | $197 | $215 | $267 | $289 | |
| 65 – 69 years | $155 | $207 | $259 | $299 | $318 | |
| 70 – 79 years | $252 | $337 | ||||
For senior travelers aged 80 to 99, the cost is $417, 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 |
What are the benefits of Patriot America Lite Insurance?
- Physical HealthCrisis SupportFinancial ProtectionPersonal PropertyOther Benefits
- Physical Health
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 limitPhysician visits help Up to the maximum limit - Crisis Support
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 - Financial Protection
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 - Personal Property
Lost luggage help $50 per item, $500 maximum limit. Not subject to deductible - Other Benefits
Telehealth Optional add-on available
What optional benefits are included in Patriot America Lite insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Patriot America Lite travel insurance for adventure sports
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 |
|---|---|
| 0-49 years | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
2. 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)
3. 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 picture_as_pdf
4. 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.
5. Trip Cancellation, Interruption and Travel Delay Rider
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.
6. Teladoc Rider
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
| 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. |
What are the Patriot America Lite Insurance PPO networks?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. This insurance have two different network providers.
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 America 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 Patriot America Lite PPO network »Patriot America Lite insurance - Faq's
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.
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.
- Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
- Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the IMG family!
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.
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:
- 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.
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.
How do I file a claim with Patriot America Lite Insurance?
To file a claim with Patriot America Lite Insurance, follow these steps:
- Download the Claims Form: Access the Patriot America Lite insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Patriot America Lite Insurance?
Patriot medical insurance is not available for Belarus, Russia, Iran and Ukraine residents and for travelers to these countries.
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