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Patriot Lite : Reviews, Ratings, and Feedback

Patriot Lite

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Patriot Lite (A.M. Best Rating: A-) is a comprehensive travel medical insurance plan that offers affordable medical coverage for international visitors traveling to the United States. It provides coverage for eligible new illnesses and injuries, access to the UnitedHealthcare PPO network, and emergency travel assistance throughout your stay. Coverage 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 selected policy maximum. Outside of the PPO network, the plan will pay 80% of the first $5,000 of eligible medical expenses then 100% thereafter, up to the selected policy maximum.

Patriot Lite does not cover pre-existing conditions.

Review the Patriot Lite Insurance plan policy documents for complete and accurate coverage and exclusions.

Learn more about 4 optional add-on benefits available on this plan.

Plan Highlights

  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare 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/Medication
  • COVID-19 Coverage: Excluded
  • Pre-Existing Conditions: No Coverage
Key Metrics

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 and Ratings

Reviews & Ratings

  • A.M. Best Rating: A
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • 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

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.

Luna
VisitorsCoverage Support