Patriot International Lite Group Travel

Groups of 5 or more travelers traveling outside of their home country can purchase the Patriot International Lite Group travel plan. The group must purchase the group policy together.

Pre-existing conditions are not covered by the Patriot International Lite Group Travel Plan. However, the Patriot International Lite Group Travel plan can cover for acute onset of pre-existing conditions. An acute onset of a pre-existing condition is defined as: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. A Pre-existing condition is defined as an Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. Please check the Description of Coverage for more information the limits offered for an acute onset of a pre-existing condition given under the plan.

You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses.

Please refer to the following article concerning the claim process: Travel and Visitors Insurance Claims Process.

Please refer to the following article about the policy usage:How to receve medical care in the America.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Yes, if you buy the plan initially for more than 5 days, you can extend the policy. It is recommended to extend the plan at least two days before the policy expires. There is a $5 extension fee added to the premium for the additional days of coverage. The policy can be extended for up to a maximum of 365 days.

Yes, you can cancel and get a refund for the Patriot Group Travel plan, if you need to go back earlier than planned. The following rules apply: Written request is required for any cancellation. If you cancel before the start date, you would get the full refund back. If you cancel after the policy start date, you can get a prorated refund for the number of days left in the policy. Please note, there is a 5-day minimum purchase at the onset, and if the policy is canceled after the effective date the policy must retain a minimum of 5-days. A $50 cancellation fee applies. If there is any claim on file, you would not get any refund back.

You will need names of the travelers, coverage duration, date(s) of birth, country of residence, citizenships, destination's, home country address, and a valid credit card.

An email confirmation will be sent after purchase to the main applicant or person who completed the application . The email will include links and instructions on how to access and print out your ID card.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Patriot International Lite Group Travel can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am EST on the day after the last date of coverage.

The Patriot Group Travel plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy.Please sign in to your account to view your plan specific documents for any limits or exclusions.

Patriot International Lite Group Travel will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

The Patriot International Lite Group Travel plan does not offer a quarantine benefit. Please review the policy documents for limits and exclusions.

Travelers on the Patriot International Lite Group Travel plan do not need to be from the same country of residence.

Travelers on the Patriot International Lite Group Travel plan do not need to be traveling to the same destination country.

Travelers on the Patriot Group Travel plan do not need to have the same dates of coverage. The group travelers can travel at different times so long as the policy is active.

The coverage for the group will not be changed or impacted if other travelers within the group decide to cancel their coverage.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

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If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.