Patriot International Lite is a comprehensive travel medical insurance plan designed for individuals traveling outside their home country, excluding the United States and its territories. It offers coverage for unexpected medical expenses, emergency medical evacuation, and other essential travel-related benefits.
Patriot International Lite
Patriot International Lite
The Patriot International Lite travel insurance plan is offered by IMG. Patriot International Lite is a comprehensive travel medical insurance plan for international travelers including US Citizens seeking reliable medical and travel coverage worldwide outside their home country excluding the country of residence and the United States. With benefits like emergency medical evacuation, acute onset of pre-existing conditions coverage, and protection against unforeseen travel issues such as lost luggage and political evacuation, this plan ensures peace of mind during international journeys. Popular among globetrotters, the IMG Patriot International Lite plan provides flexible coverage limits, including options for those over 70. Travelers often highlight its robust medical coverage and support in Patriot International Lite reviews, making it a trusted choice for safeguarding health and finances abroad. Whether you are exploring new destinations or traveling for business, the Patriot International Lite travel insurance plan ensures you’re prepared for unexpected events.
Key Highlights
- Comprehensive Emergency Medical Evacuation coverage up to $1,000,000 when approved and coordinated by the company
- Acute Onset of Pre-existing Conditions coverage for individuals under 70 years old with specific sub-limits
- 100% coverage for inpatient and outpatient medical services including hospitalization, physician visits, surgeries, and diagnostic tests
- Emergency Reunion coverage up to $100,000 for travel and accommodation of a relative during ICU hospitalization
- Accidental Death & Dismemberment coverage up to $50,000
- Lost Luggage and Personal Belongings coverage up to $500 with $50 per item limit
- Political evacuation coverage up to $100,000 and natural disaster evacuation up to $25,000
- Return of Mortal Remains covered up to policy maximum or local burial up to $5,000
- Emergency treatment in the USA covered up to 14 consecutive days during temporary visits
- Prescription medication coverage up to $250,000 based on policy maximum
Note:
Please review Patriot International 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 |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network Not Available Out-Network 100% up to policy maximum |
| Urgent Care | In-Network Not Available Out-Network $25 copay, 100% up to Policy Maximum |
| Surgical Treatment | In-Network Not Available Out-Network 100% up to policy maximum |
| Prescription Drugs / Medicines | 100% up to policy maximum |
| Lab & X-rays | In-Network Not Available Out-Network 100% up to policy maximum |
| Physical Therapy | 100% covered |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network Not Available Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network Not Available Out-Network 100% up to policy maximum |
| Hospital Intensive Care Unit | 100% covered |
| Dr. / Physician Visit | In-Network Not Available Out-Network 100% up to Policy Maximum |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Not Available Out-Network Up to policy maximum |
| Emergency Room | In-Network Not Available Out-Network 100% up to policy maximum |
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 | 100% covered |
| 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 will cover COVID-19 the same as any other eligible medical condition. |
| Pre-Existing Conditions | Acute onset of a pre-existing condition coverage, with varying limits by age, up to the policy maximum for those under 70 years old . For people 70 years & over there is no coverage for acute onset of pre-exiting conditions. $25,000 maximum limit for emergency medical evacuation |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | Up to $50,000 lifetime maximum |
| Brochure | Patriot International Lite Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network Not Available Out-Network 100% up to policy maximum |
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 | Up to policy maximum: Age 69 and below |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Patriot International Lite FAQS
-
What is Patriot International Lite insurance?
-
Who is eligible for Patriot International Lite insurance?
This plan is available to both U.S. citizens and foreign nationals traveling internationally, provided the destination excludes the United States and its territories. Coverage is available for individuals of all ages.
-
What are the coverage limits for Patriot International Lite insurance?
Patriot International Lite offers the following coverage options:
Policy Maximum: Available from $50,000 to $1,000,000, depending on the traveler's age.Deductible Options: Choose from $0, $100, $250, $500, $1,000, or $2,500 per covered injury or sickness.
Coinsurance: After the deductible, the plan pays 100% of eligible expenses up to the selected policy maximum.
-
Does Patriot International Lite insurance cover COVID-19?
Yes, Patriot International Lite covers medical expenses related to COVID-19 the same as any other illness, provided the illness occurs after the policy's effective date.
-
Does the plan cover pre-existing conditions?
Patriot International Lite does not provide coverage for pre-existing conditions. However, it offers coverage for the acute onset of pre-existing conditions for travelers under 70 years old, up to the selected policy maximum.
-
What additional benefits does Patriot International Lite offer?
In addition to standard medical coverage, Patriot International Lite includes:
Emergency Medical Evacuation: Up to $1,000,000 per certificate period.Repatriation of Remains: Up to $25,000 per certificate period.
Accidental Death & Dismemberment (AD&D): Principal sum of $50,000.
Trip Interruption: Up to $10,000 for return travel expenses.
Baggage Loss: Up to $500 for lost baggage.
Emergency Dental Treatment: Up to $300 for emergency dental care.
24/7 Travel Assistance Services: Access to emergency assistance while traveling.
-
How long can I purchase Patriot International Lite coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 365 days. The plan is renewable, allowing travelers to extend their coverage as needed, up to a total duration of 24 months.
-
How do I file a claim with Patriot International Lite insurance?
To file a claim, complete the Patriot International Lite Claim Form and submit it along with supporting documents such as medical bills and receipts. Claims can be submitted online or via mail to the claims administrator. For detailed instructions and contact information, refer to the Patriot International Lite Claims Process.