Patriot America Lite is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 of eligible medical expenses then 100% thereafter. Learn more about how Patriot America works.
Patriot America Lite does not offer coverage for COVID-19.
Please review Patriot America Lite Insurance plan brochure and description of coverage for complete and accurate coverage and exclusions.
Comprehensive Coverage,Rated A- (Excellent)
SiriusPoint Speciality Insurance Corporation
Plan Highlights
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions
- Pre-Existing Conditions: No Coverage
Key Metrics
- Administrator: IMG
- Underwriter: SiriusPoint Speciality Insurance Corporation
- Best Suitable for: Non U.S residents traveling internationally, including the USA
- Eligibility (Who can buy this travel insurance?): International including USA
- Type of coverage: Comprehensive Coverage Plan
Reviews & Ratings
- AM Best Rating: A- (Excellent)
- Licensed and Regulated by the United States Department of Insurance
What's Good
- United Healthcare PPO Network
- After the deductible plan pays: 100% up to the policy maximum within the PPO Network
- International Coverage including the USA
- Extenable/Renewable
- Cancellable
- Emergency Medical Evacuation: Up to $1,000,000
- Optional Adventure Sports Rider
- Optional Evacuation Plus Rider
What's Not So Good
- COVID-19 Excluded
- No coverage for Acute onset of Pre-Existing Conditions
- Only $10,000 coverage limit for travelers over 80 years of age
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Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
