What is Patriot International Lite insurance?
Patriot International Lite Comprehensive benefit travel medical insurance is available for both Non US citizens and US citizens traveling outside their home country,excluding USA. Available for individuals, families, and groups. Patriot International Lite insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years. This plan meets Schengen Visa requirements or Europe Long Term visa requirements. Underwritten by Sirius International Insurance Group with a rating of “A” is most popular visitor medical insurance among international travelers visiting outside the USA.
Patriot International Lite visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years.
Traveler can get the Patriot International Lite insurance id card and all the plan document by using Patriot International Lite insurance login. At American Visitor Insurance, International 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 Insurance Reviews
Why should I Patriot International Lite travel insurance?
- Available for both US citizens and Non US citizens traveling outside USA.
- Coverage available from 5 days to 364 days, renewable up to 2 years.
- Emergency medical evacuation covered up to policy maximum.
- Urgent Care Clinic covered up to $25 copay.
- Incidental emergency coverage within the US is available for up to 2 weeks.
- COVID-19/SARS-CoV-2 are covered the same as any other illness.
- Acute onset of pre-existing condition coverage is available within the age of 70.
Who is eligible for Patriot International Lite insurance plan?
- This plan is available for both US and Non-US citizens traveling outside the US.
- People outside their home country whose destination excludes the United States or its territories.
Can the Patriot International 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 International Lite insurance cost per month?
The Patriot international cost per month is ranges between $29 to $379 per a month. This is dependent on a few factors namely the age of the traveler, the plan maximum and the deductible.
The cost of Patriot International Lite insurance is higher for senior travelers as they are more likely to need healthcare 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. 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 IMG Patriot International Lite cost per month with deductible of $250.
| 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 | $143 | $156 | ||||
| 70 – 79 years | $214 | |||||
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 Travel insurance for Israel and Ukraine
For International travelers going to Israel and Ukraine, Patriot International Insurance form IMG covers unexpected medical expenses while traveling to Israel including medical evacuation like ambulance coverage and repatriation. This insurance is very economical and comprehensive to take care of unexpected medical problems while you are away from home. The medical emergencies related to the wars will be excluded from the coverage.
Patriot International Lite Insurance for Schengen visa
How much does Patriot International Lite insurance cost per month?
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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 -
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:- Maximum limit: $20,000
- Up to the period of coverage limit
- Maximum limit: $2,500
Age 69 and under:- Up to the period of coverage limit or $1,000,000 (whichever is lower)
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
Patriot International Lite optional add-on benefits
1. Patriot International Lite 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.
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 0-49 years: $50,000 certificate period
- Age 50-59 years: $30,000 certificate period
- Age 60-64 years: $15,000 certificate period
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 $3,000 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 $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
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 far 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. |
Patriot International Lite - PPO network
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.
local_hospital IPA network local_hospital Find Provider NetworkWhat are the benefits of different Patriot International Lite insurance plans?
Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.
Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.
The cost of Patriot International 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 $50,000, $100,000, $500,000, $1,000,000 depending on the age of traveler.
To buy the Patriot International Lite 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.
You can get the quotes and make an instant purchase of Patriot International 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.
Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.
The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot International Lite Insurance plan provides coverage for non-US citizens and US citizens traveling outside their home country, Excluding USA.
The Patriot International Platinum offers first class medical coverage up to $8,000,000 and provides coverage for non-US citizens and US citizens traveling outside their home country, Excluding USA.
Yes, you can buy Patriot International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International Lite travel insurance also offers visa letter in French if required.
Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.
Patriot International Lite insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot International Lite insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International Lite insurance working example.
Yes Patriot International 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 International Lite insurance online.
Patriot International Lite travel insurance only covers acute onset of pre-existing conditions when they meet certain criteria. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. The plan covers acute onset of pre-existing conditions for insured persons under the age of 70, up to the overall policy maximum. However, the plan does not cover any chronic or congenital conditions, or any complications or consequences arising from such conditions.
Patriot International Lite insurance review shows that is a travel medical insurance plan that covers travelers outside their home country, excluding the USA. Here are some of the main exclusions of the plan:
- Does not cover pre-existing conditions, unless they are acute onset of pre-existing conditions and meet certain criteria.
- Does not cover chronic or congenital conditions, or any complications or consequences arising from such conditions.
- Does not cover expenses related to quarantine, isolation, or travel restrictions due to COVID-19 or any other condition.
- Does not cover expenses related to terrorism, war, or military action.
- Does not cover expenses related to sports and leisure activities, such as skiing, snowboarding, scuba diving, etc.
- Does not cover expenses related to maternity, pregnancy, birth control, abortion, or infertility.
- Does not cover expenses related to mental or nervous disorders, substance abuse, or suicide attempts.
- Does not cover expenses related to dental treatment, except for accidental injury.
Yes, Patriot International Lite insurance meets Schengen visa requirements. The Patriot international lite Schengen visa plan satisfies the following criteria for Schengen visa insurance:
- Offers a coverage of at least €30,000 for medical expenses and emergency medical evacuation. You can choose from different policy maximum options, ranging from $50K to $2M.
- Covers repatriation of remains up to $50K.
- Availalble to buy for the entire duration of your stay in the Schengen area.
- Covers all Schengen countries and has no geographic restrictions.
With your Patriot International Lite plan, you have access to a wide network of medical providers around the world. You have the freedom to seek treatment with any medical provider of your choice, but you may save money and time by using a provider within the network. You can use the International Provider Access (IPA) tool to search for doctors, hospitals, clinics, and other facilities in your destination country. If you use a network provider, you will not have to pay for eligible medical expenses up front and then submit a claim for reimbursement. The provider will bill IMG directly for covered services. You will also benefit from reduced or waived deductibles and coinsurance when you use a network provider.
Yes. Patriot International lite have $50 cancellation fee after the effective date.
How do I file a claim with Patriot International Lite Insurance?
To file a claim with Patriot International Lite Insurance, follow these steps:
- Download the Claims Form: Access the Patriot International 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, PO Box 240429, Apple Valley, MN 55124.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Patriot International Lite Insurance?
Patriot health insurance plans are not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
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Which nationalities most commonly purchase Patriot International Lite?
India
Canada
UK
China
Mexico
Nepal
Philippines
RussiaPatriot International Lite insurance blog
IMG visitors insurance plan with pre-existing coverage.