Patriot America Lite Plan Information, Eligibility And Benefits
Patriot America Lite by International Medical Group is a cost-effective, comprehensive travel medical insurance plan.
The plan provides coverage for non-U.S. residents traveling outside their home country and visiting the USA.
With a wide network of providers, flexible coverage options, and no medical exam required this travel medical insurance plan can be a suitable option for your medical coverage needs and non-medical incidents.
A medical emergency can strike anyone while traveling internationally. Getting travel medical insurance for medical coverage to protect oneself from a calamity due to an unforeseen reason is essential.
Patriot America Lite Plan Overview
The Patriot America Insurance plans are part of the Patriot series of travel medical insurance plans from IMG.
The International Medical Group is a leading travel medical insurance provider based in the United States with global operations.
IMG’s Patriot travel medical insurance plans are among the popular travel insurance plans.
| Plan Name | Patriot America Lite |
| Plan Type | Comprehensive Coverage |
| Area Of Coverage | Worldwide (Excluding The Insured Persons Country of Residence) |
| Coverage Duration | 5 Days to 365 days |
| Ages For Coverage | 14 days old to 99 years |
| PPO Network | Yes |
| Pre-Existing Conditions Covered | No |
| Acute On-Set Of Pre-Existing Condition Coverage | No |
| Renewable | Yes |
| Cancellable | Yes |
| COVID-19 Coverage | No |
| Rated By A.M. Best | “A” |
| Plan Administrator | IMG (International Medical Group) |
| Plan Underwriter | Sirius Specialty Insurance Corporation |
In the U.S. for medical coverage within the PPO network, the plan pays 100% of eligible medical expenses, Outside the PPO network the plan pays 80% of the first $5,000 then 100% after that.
The plan excludes medical coverage for:
- Pre-existing medical conditions: No medical coverage for pre-existing conditions
- Acute onset of pre-existing conditions: No medical coverage for the acute onset of pre-existing conditions
- COVID-19: No medical coverage offered
The following plans can be used for traveling inside the US or outside the US:
- Patriot America Lite is for coverage inside the United States
- Patriot International Lite plan is for coverage outside the United States
Patriot America Lite Insurance Highlights
- The plan is Rated “A” by A.M. Best
- Offers 100% Coverage
- Offers Coverage for international travel
- Utilizes PPO Network
- The plan is Renewable and Cancellable
- Overall Maximum limit Up to $1,000,000
- Emergency Medical Evacuation Up to $1,000,000
- Emergency travel benefits including AD&D, Emergency Reunion, and Political Evacuation
The Plan Is Suitable For:
- Foreign Tourists, non-US citizens visiting the USA
- Parents visiting the USA
- B-1/B-2 Visa Holders visiting the USA
- International Students
- Business Professionals
- International visitors to the USA
- Foreign nationals visiting the USA
- US citizens living abroad and visiting the US for a short trip
- And More…..
Patriot America Lite Plan Eligibility
Who Can Buy Patriot America Lite Plan?
Available to non-U.S. residents whose travel includes the USA
Eligibility extends to non-US citizens and non-U.S. residents who are at least 14 days old and are seeking coverage outside their home countries.
Under this plan, U.S. citizens and residents are not eligible for coverage within the U.S., except as permitted by home country coverage or during an approved benefit period.
About Patriot America Lite Insurance
This travel medical insurance plan is a Visitor plan for international travel designed for non-U.S. citizens and non-U.S. residents who need temporary medical insurance coverage while traveling outside their home country and visiting the United States.
Individuals through age 69 as of the certificate effective date are subject to a $1,000,000 overall maximum limit or less.
Individuals aged through age 70 to 79 as of the certificate effective date are subject to a $50,000 overall maximum limit or less.
Individuals aged 80 and above as of the certificate effective date are subject to a $10,000 overall maximum limit.
This travel medical insurance plan provides quality healthcare, and important medical and emergency travel benefits, for travel to the U.S. and worldwide.
This travel medical insurance plan includes coverage for eligible injuries and illnesses that could occur while participating in many vacation adventure sports, However, certain extreme sports are excluded from coverage.
You can review the complete list in the sample certificate.
Coverage Options:
One of the standout features of this travel insurance is its budget-friendly option for visitors to the USA. Providing basic comprehensive coverage with access to a wide network of providers, and flexible options.
Travelers can choose from a range of deductible options and coverage benefit limits to customize their plans according to their specific needs and budget. This ensures that travelers get the coverage they need without paying for unnecessary extra.
Worldwide Assistance Services:
The plan offers 24/7 worldwide assistance services to help travelers navigate any challenges they might encounter during their trip. From medical consultation to emergency medical evacuation, travelers can rest assured knowing that help is just a phone call away.
Deductible Options And Premiums:
Patriot America Lite Insurance offers a range of deductible options and premiums to suit different budgets and preferences.
Travelers can choose the deductible that works best for them, balancing their coverage needs with their out-of-pocket expenses.
Key Features Of Patriot America Lite Insurance Plans
The key features of the Patriot America Lite Insurance Plan are as follows:
- Comprehensive Coverage: Patriot America Lite Insurance offers comprehensive short-term medical insurance coverage for international travelers visiting the United States or traveling outside their home country, with coverage options ranging from $50,000 to $1,000,000 in maximum limits
- Deductible Options: The plan provides deductible options from $0 to $2,500, allowing travelers to choose the deductible amount that suits their needs
- Coverage Duration: Patriot America Lite Insurance can be purchased for a duration ranging from 5 days up to 2 years, providing flexibility in coverage length for travelers
- Underwriter and Rating: The plan is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- “Excellent” by A.M. Best, ensuring reliable coverage for policyholders
- Network Participation: Patriot America Lite Insurance participates in the United Healthcare PPO network, offering access to a wide range of healthcare providers across the USA, which can help reduce out-of-pocket costs for policyholders seeking treatment within the network
- No Medical Exam Required: Travelers can purchase Patriot America Lite Insurance online or by phone without the need for a medical exam, making the application process convenient and efficient
- Renewability: The plan is renewable and extendable before expiration, allowing travelers to extend their coverage if needed
Patriot America Lite Insurance is a comprehensive and flexible travel medical insurance plan designed for non-U.S. residents traveling to the USA, offering essential coverage benefits, deductible options, network participation, and no medical exam requirement for purchase.
How To Buy Patriot America Lite Insurance Plan
To buy the Patriot America Lite plan, you can follow these steps
Online Purchase: You can purchase travel insurance online by generating a free quote:
- Simply complete the online application form
- provide details like the date of birth, passport number, name, and travel dates of the traveler
- complete purchase & receive an email confirmation with the policy document & insurance ID card
No Medical Exam Required: There is no need for a medical exam to purchase Patriot America Lite Insurance, simplifying the application process and making it more accessible for travelers.
Similar Travel Medical Insurance Plans For The USA:
- Patriot America Plus
- Patriot America Platinum
Patriot America Lite Travel Insurance Coverage Limit/Maximum Amount
Period Of Coverage:
5 days up to 365 days
Overall Maximum Limits:
- Age Up To 69: $50,000, $1,00,000, $500,000, $1,000,000
- Age 70 to 79: $50,000
- Age 80 or older: $10,000
Maximum Limit Per Injury/Illness
- Age Up To 64: $50,000, $1,00,000, $250,000, $500,000, $1,000,000 or $2,000,000
- Age 65 to 79: $50,000 or $1,00,000
- Age 80 or older: $10,000
Patriot America Lite Travel Insurance Plan Benefits Features
Deductibles:
- $0, $100, $250, $500, $1,000, $2,500, Per insured person
Co-insurance:
- Co-insurance in the United States:
- In-Network: 100% of eligible medical expenses, after the deductible, up to the overall maximum limit
- Out-of-Network: 80% of eligible medical expenses, after the deductible, up to the overall maximum limit
- International Co-insurance: 100% of eligible medical expenses, after the deductible, up to the overall maximum limit
Out Of Pocket Maximum:
- In the United States:
- In-Network: $0
- Out-of-Network: $1,000
- International: $0
Pre-existing Conditions:
Charges resulting directly or indirectly from or relating to any Pre-existing condition are excluded from coverage under this insurance plan.
What Coverage And Benefits Are Offered By Patriot America Lite Travel Insurance?
Inpatient or Outpatient Services
| BENEFITS | In-Network | Out-Of-Network | International | |
|---|---|---|---|---|
| Intensive Care Unit | 100% | 80% | 100% | |
| Pre-admission Testing | 100% | 80% | 100% | |
| Eligible Medical Expenses | 100% | 80% | 100% | |
| Physician Visits/Services | 100% | 80% | 100% | |
| Urgent Care Clinic (Not subject to Deductible) | Copayment: $25 (Copayment is not applicable for a $0 deductible) | 100% | 80% | 100% |
| Walk-In Clinic (Not subject to Deductible) | Copayment: $15 (Copayment is not applicable for a $0 deductible) | 100% | 80% | 100% |
| Hospital Emergency Room (United States) | Injury: Not subject to Emergency Room Deductible. Illness: Subject to a $250 deductible for each ER visit | 100% | 80% | NA |
| Hospital Emergency Room (International) | NA | NA | 100% | |
| Hospitalization/Room & Board (Includes nursing services, miscellaneous and Ancillary services) | Average semi-private room rate | 100% | 80% | 100% |
| Bedside Visit (Not subject to deductible) (Hospitalized in an ICU) | Maximum limit $1,500 | 100% | 80% | 100% |
| Outpatient Surgical/Hospital Facility | 100% | 80% | 100% | |
| Laboratory | 100% | 80% | 100% | |
| Radiology/X-ray | 100% | 80% | 100% | |
| Chemotherapy/Radiation Therapy | 100% | 80% | 100% | |
| Surgery | 100% | 80% | 100% | |
| Reconstructive Surgery | 100% | 80% | 100% | |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee | 100% | 80% | 100% |
| Home Nursing Care | 100% | 80% | 100% | |
| Durable Medical Equipment | 100% | 80% | 100% | |
| Anesthesia | 100% | 80% | 100% | |
| Physical Therapy | 100% | 80% | 100% | |
| Extended Care Facility | 100% | 80% | 100% | |
| Chiropractic Care | 100% | 80% | 100% | |
| Prescription Drugs and Medication | For certificate of insurance limit: $10,000, $50,000 or $100,000 Limit is up to plan maximum limit For certificate of insurance limit: $500,000 or $1,000,000 Limit is up to $250,000 per period of coverage | NA | 80% | 100% |
Other Emergency Travel Benefits (Emergency Services)
Emergency Travel Benefits
| BENEFITS | In-Network | Out-Of-Network | International | |
|---|---|---|---|---|
| Emergency Local Ambulance (Subject to deductible and coinsurance) | Injury Illness (Resulting in an inpatient hospital admission) | 100% | 80% | 100% |
| Interfacility Ambulance Transfer | Transfer as a result of an inpatient hospital admission | 100% | 100% | 100% |
| Emergency Medical Evacuation (Must be approved in advance and coordinated by the company) | Up to $1,000,000 Maximum limit | 100% | 100% | 100% |
| Return of Minor Children (Must be approved in advance by the company) | $100,000 Maximum limit | 100% | 100% | 100% |
| Remote Transportation (Must be approved in advance by the company) | $20,000 Maximum limit $5,000 Limit per incidence | 100% | 100% | 100% |
| Natural Disaster Evacuation (Must be approved in advance by the company) | $25,000 Maximum limit | 100% | 100% | 100% |
| Political Evacuation and Repatriation (Must be approved in advance by the company) | $100,000 Maximum limit | 100% | 100% | 100% |
| Return Of Mortal Remains (Return of insured persons’ mortal remains to country of residence) (Must be approved in advance by the company) | Up to the period of coverage limit ($5,000 Maximum limit For Local Burial/Cremation) | 100% | 100% | 100% |
| Emergency Reunion (Must be approved in advance and coordinated by the company) | Up to $100,000 maximum limit Maximum 15 days Meal per day: $25 (maximum) Reasonable & necessary travel costs & accommodations | 100% | 100% | 100% |
Other Services
| BENEFITS | In-Network | Out-Of-Network | International | |
|---|---|---|---|---|
| Identity Theft | $500 (limit) | 100% | 100% | 100% |
| Lost luggage | Limit: $500 ($50 limit per item) | 100% | 100% | 100% |
| Dental Treatment (Subject to deductible and coinsurance) | $300 limit (For unexpected pain or treatment due to an accident) | NA | 80% | 100% |
| Traumatic Dental Injury (Subject to deductible and coinsurance) | Treatment at a hospital due to an accident (Additional treatment for the same injury rendered by a dental provider will be paid at 100%) | 100% | 80% | 100% |
| Emergency Eye Examination (Subject to coinsurance) $50 deductible per occurrence (plan deductible waived) | $150 limit (Loss or damage to prescription corrective lenses due to an accident) | NA | 100% | 100% |
| Hospital Indemnity (Inpatient hospitalization only) (Outside insured Persons country of residence and the United States) | Overnight limit: $250 (Maximum nights: 10) | NA | NA | 100% |
| Return Travel | $10,000 limit | 100% | 100% | 100% |
| Incidental Trip (The insured person’s country of residence is not the United States) | Maximum days 14 | 100% | 100% | 100% |
| Terrorism | $50,000 Maximum limit | 100% | 100% | 100% |
| Natural Disaster (Maximum days: 5) | $250 limit per day | 100% | 100% | 100% |
| Personal Liability (Secondary to any other insurance) (No coverage for injury to a related third party or damage to a related third party property) | $25,000 Combined Maximum limit Injury to third person $100 per injury deductible Damage to third-person property $100 per injury deductible | |||
| Pet Return (For a pet cat or dog traveling with the insured person) | Limit: $1,000 | 100% | 100% | 100% |
| Small Pet Common Air Carrier Accidental Death Benefits (For a pet cat or dog up to 30 pounds traveling with the insured person) | $500 Maximum limit per pet | 100% | 100% | 100% |
| Supplemental Accident Benefit | $300 Maximum limit per covered accident | 100% | 100% | 100% |
| Accidental Death & Dismemberment (Death must occur within 90 days of the accident) (Principal sum Maximum limit is $50,000) | Accidental Death: 100% of principal Sum | |||
| Common Carrier Accidental Death | $100,000 (Maximum limit per adult) $25,000 (Maximum limit per child) $250,000 (Maximum limit per family) | 100% | 100% | 100% |
Optional Coverage/Optional Riders Offered:
- Adventure sports rider
- AD&D: Optional Rider
- Device Protection Rider
- Telehealth Rider
Patriot America Lite Insurance Claim Process
The Patriot America Lite claim process involves several steps to ensure that policyholders can efficiently file and manage their claims for medical expenses incurred while traveling to the USA.
Here is a summary of the claim process
- Notify the Insurance Provider
Policyholders should notify the insurance provider as soon as possible after receiving medical treatment, ideally within 48 hours of the incident - Obtain Itemized Bills and Medical Records
Gather itemized bills and medical records from the healthcare provider, including diagnosis, treatment, and charges - Complete the Claim Form
Download and complete the claim form from the insurance provider’s website or request it by mail. The form should be signed and dated by the policyholder - Attach Supporting Documents
Attach the itemized bills, medical records, and any other supporting documents to the claim form - Claim Review and Processing
The insurance provider will review and process the claim according to the policy terms and conditions - Reimbursement
If the claim is approved, the insurance provider will reimburse the policyholder for eligible expenses according to the policy terms and conditions
Additional Tips
- Policyholders should keep a copy of all submitted documents for their records
- Claims should be submitted within 90 days of the date of service or as soon as reasonably possible
- The insurance provider may request additional information or documentation to process the claim
- Policyholders can contact the insurance provider’s customer service for assistance with the claim process
The Patriot America Lite claim process involves notifying the insurance provider, gathering supporting documents, completing the claim form, submitting the claim, and waiting for reimbursement. Policyholders should follow the claim process carefully to avoid any delays or issues with their claims.
FAQs
Patriot America Lite Insurance has access to which medical network?
Patriot America Lite from International Medical Group has access to the United Healthcare Options network in the US. This is a national network of board-certified doctors and healthcare facilities that can reduce your out-of-pocket costs by giving quality care.
What is covered by Patriot America Lite travel health insurance Policy?
Patriot America Lite travel health insurance policy provides basic coverage and benefits seeking affordable protection for any covered medical emergency.
How do I purchase a Patriot America Lite insurance policy?
You have several options to purchase Patriot America insurance plans. You can buy from the official website of International Medical Group’s website or a travel insurance marketplace. The advantage of buying from a marketplace is that you can generate a free quote and compare plans side-by-side. This can help in your purchase decision.
