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.
Patriot America Lite
Comprehensive Coverage,
SiriusPoint Speciality Insurance Corporation
Learn more about 4 additional coverage options available on this plan.
How Patriot America Lite Works
In Network
100% up to policy maximum See How Patriot America Lite Works.
Out of Network
80% of first $5000, 100% thereafter
Key Travel Medical Insurance Benefits
How COVID-19 is Covered Under Patriot America Lite
COVID-19 is not covered under this plan.
Eligibility
- For non U.S residents traveling internationally, including the USA
- For U.S citizens living abroad and visiting the USA for a short trip
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
- Temporary coverage for green card holders visiting the USA for a short trip
- Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
Similar Plans
Comprehensive Coverage
Underwriter: Lloyd's of London
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Emergency Eye Exam Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
Limited Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
- COVID-19 Coverage
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
- Pre-Existing Condition Coverage: Optional Pre-Existing Rider
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage: Optional Vision Rider
- Emergency Dental Coverage: Optional Dental Rider
- Prescriptions/Medication
- Influenza (flu) Vaccination
- Optional Adventure Sports Rider
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
Comprehensive Coverage
Underwriter: Sirius Specialty Insurance Corporation
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
- COVID-19 Coverage: Included
- 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.
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
- Quarantine Indemnity
- Influenza (flu) shot
- No Cancellation Fee
- No Extension Fee
- Pre-Existing Conditions: No Coverage
Preferred rate available.Learn more
Why CoverAmerica-Gold?Learn moreAdditional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
- COVID-19 Coverage: Included
- 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
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.
| COVERAGES | MAXIMUM BENEFIT |
|---|---|
| Trip Cancellation | 100% of Trip Cost |
| Trip Interruption | 125% of Trip Cost |
| Travel Delay | $2,000/$250 (Per Day) |
| Accidental Death & Dismemberment Air Flight Only | $10,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
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.
