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Patriot International Lite Insurance

Best for Schengen visaAcute on set of pre-existing conditions Covid19 coverage
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Patriot International Lite, IMG Patriot Insurance for international travelers

Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories. It covers acute onset of pre-existing condition coverage. IMG patriot insurance for Schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa. Patriot International Lite covers trip cancellation, trip interruption and travel delay rider as an add on benefit.

Key benefits of Patriot International Lite Insurance

Meets Schengen visa requirements

Comprehensive plan

Acute onset of a pre-existing condition

PPO network

Renewability

Medical Evacuation coverage

Patriot International Lite Insurance Review, 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 International Lite insurance rating
AM Best Rating: "A" (Excellent)
Patriot International 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 Patriot International 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 International Lite Links

  • Brochures
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive coverage
  • Claims
  • Renewal
  • Provider network
  • Application

Img Travel Insurance and trip cancellation insurance with superior benefits

IMG travel insurance namely Travel Lite (Medical expense covered for $100k),  Travel SE (Medical expense covered for $250k) and  Travel LX (Medical expense covered for $500k) also offer trip protection cover for travel expenses from trip cancellation, trip interruption, trip delay, baggage loss. These plans also offer coverage for emergency medical expenses and other evacuation benefits.

IMG Travel Insurance - Highlights
  • Accident Sickness Medical and Dental expense (from $100k to $500k depending on the plan)
  • Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
  • Travel insurance program for trips up to 180 days
  • Standard coverage for trip cancellation and interruption
  • Emergency medical expense, evacuation, and reunion benefits
  • Three product options for varying levels of coverage
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Key Highlights of Visitors Care

Patriot International Lite travel Insurance - Key Highlights

  • Patriot International Lite plan is a Comprehensive plan.
  • The US and its territories is excluded as a destination.
  • Travel insurance plan can be renewed for up to 2 years.
  • The policy maximum options available are $50k, $100k, $500k, and $1M.
  • The deductible options available are $0, $100, $250, $500, $1k, and $2.5k.
  • The IMG travel insurance plan maximum lifetime is 5 days to 12 months.
  • Emergency Medical Evacuation available for up to $1M.
  • Coinsurance is available 100% up to the maximum limit.
  • Acute onset of pre-existing condition coverage is available within the age of 70.
  • Covid19 coverage is available.
  • Incidental emergency coverage within the US is available for up to 2 weeks.
  • This Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.

International Medical Group Patriot International Lite visitors insurance


Patriot International Lite insurance renewability
  • Patriot International Lite 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.

Patriot International Lite Travel insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • 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 »

Eligibility to buy Patriot International Lite insurance?
  • People outside their home country whose destination excludes the United States or its territories.
  • This plan can be renewed up to 24 months.

Patriot International Lite insurance coverage for Acute onset of a pre-existing condition
  • Covers up to maximum limit, under the age of 70 years.
  • Acute onset of a pre-existing condition - Emergency medical evacuation
  • Up to $25k maximum limit for up to age 70.

Steps to buy travel insurance


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Patriot International Lite Insurance for Schengen visa

schengen
Patriot International Lite Insurance satisfies Schengen visa requirements To download the visa letter, after the purchase, wait about 30 minutes, then you can log into the client zone to download your letter. You can download it in English, Spanish or French.

Plan benefits of Patriot International Lite insurance

  • COVID-19/SARS-CoV-2 Coverage Patriot Platinum insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    Eligible medical expenses Company pays 100% after deductible is met
    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. Not subject to deductible
    Supplemental Accident Maximum limit per covered accident: $300
    Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
  • Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
    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 $250k (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 $1M (Must be approved in advance and coordinated by the company)
    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 (Must be approved in advance by the company)
  • 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: Maximum limit: $1M
    Pre-Existing condition medical evacuation $25k maximum limit for emergency medical evacuation
  • Accidental death & dismemberment $50k principal sum. Not subject to deductible
    Common carrier accidental death $25k per insured child, $100k per insured adult, $250k 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
  • Trip Cancellation Covered
    Trip Interruption Covered
    Travel Delay Covered
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Patriot International Lite travel Insurance requirements – FAQs

01. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02. What are the benefits of Patriot International Lite insurance?

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.

03. How much does Patriot International Lite cost?

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 $50k, $100k, $500k, $1M depending on the age of traveler.

04. What are the requirements for purchasing Patriot International Lite insurance?

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.

05. How do I purchase Patriot International Lite insurance?

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.

06. What is the coverage area of Patriot International Lite insurance?

Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.

07. 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 International Lite 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.

08. Can I buy Patriot International insurance for Schengen visa?

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.

09. Which is an ideal temporary medical insurance plan for US citizens travelling outside US?

Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.

10. How does Patriot International Lite insurance offer coverage for 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.

11. Can US citizens buy Patriot International Lite insurance?

Yes.Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.This plan can be renewed up to 24 months.

12. I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot International Lite insurance?

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.

13. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

14. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

15. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

16. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

17. Travel health insurance coverage by Patriot International Lite?

Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel.

The domestic health insurance of the home country invariably provides little or no coverage in a new country.A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

18. What is travel health insurance plan?

A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.

Visitor IMG patriot insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

19. What does IMG patriot insurance medical cover?

The IMG travel health insurance plan covers:

  • Any new sickness or injury that occurs during the trip after the start of the policy.
  • Accidents or illness occurred during the trip
  • Medical emergencies and medical evacuation
  • Cover for hospital treatment ,doctor expenses and prescribed drugs
  • Some plans cover acute onset of pre-existing conditions
  • Dental emergencies (again offered by some insurance plans)
20. What does the IMG Patriot International Lite health insurance not cover?

  • Preventive care like routine health checks, physical examinations, inoculation, vaccination
  • Regular treatment for pre-existing conditions
  • Maternity coverage if conception occurs before purchase of visitor health insurance
Patriot International Lite

Patriot International 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.

Find Provider Network

Patriot International Lite Insurance Restrictions

Patriot International Lite is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Expand your coverage, select your coverage options with add on benefits

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 0-49 years: $50k certificate period
  • Age 50-59 years: $30k certificate period
  • Age 60-64 years: $15k certificate period

Adventure Sports Rider - More Details  

02. 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 $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

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  

04. Mobile Device Protection*

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  

*Rider option is available in select countries on individual plans only.

05. Trip Cancellation, Interruption and Travel Delay Rider**

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.
**Rider option is available an individual plans far U.S. residents only.

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Resourceful links of Patriot travel insurance

Patriot travel insurance FAQ

Frequently asked questions and answer about travel insurance plans.

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Patriot Travel insurance blog

Blog to compare different Patriot Travel insurance plans

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Patriot travel insurance forum

Customer queries about Patriot America Lite insurance plan.

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IMG trip cancellation

Compare and review benefits of IMG trip plans.

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