Patriot America Lite is a comprehensive travel medical insurance plan designed for non-U.S. citizens visiting the United States, this plan provides essential coverage for unexpected medical expenses, emergency medical evacuation, and other necessary benefits during your stay in the U.S.
Patriot America Lite
Patriot America Lite
Patriot America Lite is a comprehensive travel medical insurance plan designed for non-U.S. residents traveling to the United States. The area of coverage is worldwide excluding the insured person's country of residence. Patriot America Lite is ideal for international vacationers, relatives visiting from overseas, international business travelers, and individuals seeking basic coverage and benefits at an affordable price. The plan is a cost-efficient travel medical insurance option for visitors and can be purchased online. It is an affordable and widely recognized visitors health insurance plan. The coverage duration ranges from 5 days to 365 days. The minimum age for coverage is 14 days old and up to 99 years old. The plan offers policy maximums ranging from $50,000 to $1,000,000 and various deductible options ranging from $0 to $2,500. In the U.S. after the deductible is satisfied within the PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum insured pays 0%. Outside the PPO network, the plan pays 80%, insured pays 20% of eligible medical expenses. Patriot America Lite plan provides coverage for medical expenses, emergency medical evacuation, and other travel benefits. It participates in the United Healthcare PPO network, providing access to a wide network of physicians and hospitals across the USA. The plan does not offer coverage for pre-existing conditions and Covid-19. Patriot America Lite is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- "Excellent" by A.M. Best..
Key Highlights
- Overall Maximum Limit Up to $1,000,000
- Deductible $0 to $2,500
- Coinsurance (In-Network) 100% up to the Maximum Limit
- Coinsurance (Out-of-Network) 80% up to $5,000, then 100%
- Emergency Medical Evacuation Up to $1,000,000
- Emergency Reunion Up to $100,000
- Natural Disaster Evacuation Up to $25,000 maximum
- Political Evacuation and Repatriation Up to $100,000
- Return Of Minor Children Up to $100,000
- Terrorism Up to $50,000 lifetime maximum
- Coverage for Accidental Death and Dismemberment, Common Carrier Accidental Death, Incidental Trip, Personal Liability
- Urgent Care, Emergency Local Ambulance, Prescription Drugs and Medication, Dental Treatment, Emergency Eye Examination, Hospital Indemnity, Identity Theft, Natural Disaster
Note:
Please review Patriot America Lite policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | IMG |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
| PPO Network | United healthcare PPO |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
| Urgent Care | In-Network $25 copay, 100% up to Policy Maximum Out-Network $25 copay, 80% of the first $5,000, 100% thereafter |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
| Prescription Drugs / Medicines | 80% of first $5,000, 100% thereafter |
| Lab & X-rays | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
| Physical Therapy | In-Network: 100% covered up to policy maximum Out-of-Network: 80% covered for first $5,000 100% covered thereafter up to policy maximum |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network 100% up to Policy Maximum Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
| Hospital Intensive Care Unit | In-Network: 100% covered up to policy maximum Out-of-Network: 80% covered for first $5,000 100% covered thereafter up to policy maximum |
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Up to 100% Out-Network 80% of first $5,000, 100% thereafter |
| Emergency Room | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Up to $300 |
| Accidental emergency | In-Network: 100% covered up to policy maximum Out-of-Network: 80% covered for first $5,000 100% covered thereafter up to policy maximum |
| Dental Emergency | Up to $300 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $1,000,000 |
| Return of mortal remains | Coverage up to a maximum of $50,000 for return of Mortal Remains to the insured's home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death. |
| Emergency Reunion | Up to $100,000. Not subject to deductible but must be approved beforehand. |
| Return of minor child(ren) | Up to $100,000. Not subject to deductible but must be approved beforehand. |
| Trip Interruption | No Coverage |
| Loss of checked baggage | $50 per item up to $500 maximum per period of coverage |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | No coverage |
| Lost Luggage | Up to $500, $50 per item |
| Terrorism | Up to $50,000 |
| Personal Liability | Up to $25,000 |
| Identity Theft | Up to $500 |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | $50,000 principal sum. |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult. $250,000 maximum limit per family |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan excludes COVID-19 benefits. |
| Pre-Existing Conditions | Not Covered |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | Up to $50,000 lifetime maximum |
| Brochure | Patriot America Lite Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 100% up to policy maximum Out-Network 80% of first $5,000, 100% thereafter |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | No Coverage |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | No Coverage |
| COVID-19 Testing | No Coverage |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Patriot America Lite FAQS
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What is Patriot America Lite insurance?
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Who is eligible for Patriot America Lite insurance?
This plan is available to non-U.S. citizens who are traveling to the United States for tourism, business, or medical purposes. Coverage is available for travelers aged 14 days to 99 years. For travelers aged 70 and above, coverage must begin within 30 days of arrival in the U.S.
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What are the coverage options for Patriot America Lite insurance?
Patriot America Lite offers policy maximums ranging from $50,000 to $1,000,000, depending on the traveler's age. Deductible options include $0, $100, $250, $500, $1,000, $2,500 per certificate period. The plan provides 100% coverage after the deductible is met, up to the overall maximum limit.
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Does Patriot America Lite insurance cover Prescription drugs and medication?
Yes, Patriot America Lite covers prescription drugs and medication as per the limits mentioned in the policy.
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Does the plan cover pre-existing conditions?
No, Patriot America Lite does not cover the acute onset of pre-existing conditions. This benefit is not available in the Lite plan.
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What additional benefits does Patriot America Lite offer?
Beyond standard medical coverage, the plan includes benefits such as:
Emergency medical evacuation up to $1,000,000Repatriation of remains up to period of coverage
Incidental Trip up to 14 days
Baggage loss and personal belongings up to $500
Accidental death and dismemberment (AD&D) up to $50,000
Emergency reunion
Natural disaster evacuation
Common carrier accidental death up to $100,000 per adult
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How long can I purchase Patriot America Lite coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 354 days. The plan is renewable, allowing travelers to extend their coverage as needed, up to the maximum duration.
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How do I file a claim with Patriot America Lite insurance?
To file a claim, complete the Claimant's Statement and Authorization form and submit it along with supporting documents such as itemized bills and medical records. Claims can be submitted via the Member Portal or by contacting IMG directly.