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Patriot Lite

Underwriter: SiriusPoint Speciality Insurance Corporation
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
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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 BrochureSample Description of Coverage
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How Patriot Lite Works

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

In Network

100%

After deductible, 100% up to policy maximum
See How Patriot Lite Works.

Out of Network

1.
80%

After deductible, insurance pays 80% of first $5000

outnetwork arrow

Then

2.
100%

Insurance pays 100% up to policy maximum

PPO Network for Patriot Lite

Inside the USA

The PPO provider for Patriot Lite Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.

When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Patriot Lite policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.

View Providers in USA

Outside the USA

There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for IMG.

View Providers Outside USA

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Emergency Room
Emergency Room
100% up to policy maximum
Hospitalization
Hospitalization
Average semi-private room and rate
Urgent Care
Urgent Care
$25 copay, 100% up to Policy Maximum
Prescription Rx - Medicine
Prescription Rx - Medicine
80% of first $5000, 100% thereafter
Acute Onset of Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
No Coverage
PPO Network
PPO Network
PPO Network
Medical Evacuation
Medical Evacuation
Up to $1000000
Lab & X-Rays
Lab & X-Rays
80% of first $5000, 100% thereafter
Emergency Room
Emergency Room
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
No Coverage
Hospitalization
Hospitalization
Average semi-private room and rate
PPO Network
PPO Network
PPO Network
Urgent Care
Urgent Care
$25 copay, 100% up to Policy Maximum
Medical Evacuation
Medical Evacuation
Up to $1000000
Prescription Rx - Medicine
Prescription Rx - Medicine
80% of first $5000, 100% thereafter
Lab & X-Rays
Lab & X-Rays
80% of first $5000, 100% thereafter

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.

Eligibility for Patriot Lite

  • For non U.S residents traveling internationally, including the USA
  • For U.S citizens living abroad and visiting the USA for a short trip
  • Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries
  • 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.
  • Plan can be purchased after arrival at the destination
Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
100%
Out-Network
Out-Network
80% of first $5,000, 100% thereafter
80% $5,000 100%
Available Policy Maximums
Available Policy Maximums
$10K $50K $100K $250K $500K $1M
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
$0 $100 $250 $500 $1,000 $2,500
Limits may vary based on age or destination of traveler
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions

Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition
    Acute onset Pre-Existing Condition
    Not covered
    Out-Patient

    Out-Patient

    Medical treatment that does not include an overnight stay at a hospital.

    Prescription Drugs / Medicines
    Prescription Drugs / Medicines
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    Dr. / Physician Visit
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    Urgent Care
    In-Network
    In-Network
    $25 copay, 100% up to Policy Maximum
    $25 100%
    Out-Network
    Out-Network
    $25 copay, 80% of the first $5,000, 100% thereafter
    $25 80% of first $5,000 100%
    Surgical Treatment
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    Lab & X-rays
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    In-Patient

    In-Patient

    Medical treatment that includes an overnight stay at a hospital.

    Hospital Room and Board
    In-Network
    In-Network
    100% up to Policy Maximum
    100%
    Out-Network
    Out-Network
    Average semi-private room and rate
    Dr. / Physician Visit
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    Surgical Treatment
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    Emergency Services

    Emergency Services

    Hospital emergency services (certain limits may apply).

    Ambulance Expenses
    In-Network
    In-Network
    Up to 100%
    100%
    Out-Network
    Out-Network
    Up to 100%
    100%
    Emergency Room
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    80% of first $5,000, 100% thereafter
    80% $5,000 100%
    Dental Coverage

    Dental Coverage

    Treatment for injury to or acute and spontaneous pain in sound natural teeth.

    Dental Emergency
    Dental Emergency
    Up to $300
    Travel Coverage

    Travel Coverage

    Travel-related coverage

    US Border Entry Protection
    US Border Entry Protection
    Not covered
    Emergency Medical Evacuation / Repatriation
    Emergency Medical Evacuation / Repatriation
    Up to $1,000,000
    Return of Mortal Remains
    Return of Mortal Remains
    100% up to policy maximum
    100%
    Trip Interruption
    Trip Interruption
    Not covered
    Trip Delay
    Trip Delay
    Not covered
    Lost Luggage
    Lost Luggage
    Up to $500, $50 per item
    Terrorism
    Terrorism
    Up to $50,000
    Personal Liability
    Personal Liability
    Up to $25,000
    Identity Theft
    Identity Theft
    Up to $500
    Legal Fees
    Legal Fees
    Not covered
    Lost or Stolen Passport
    Lost or Stolen Passport
    Not covered
    Missed Connection
    Missed Connection
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    Doctor Wellness Visit
    Doctor Wellness Visit
    Not covered
    Preferred Rates
    Preferred Rates
    Not covered
    Optional add-on benefits

    Optional add-on benefits

    More coverage options available for extra protection.

    Adventure Sports Rider
    Adventure Sports Rider
    The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
    Age Lifetime Maximum
    0-49 $50,000
    50-59 $30,000
    60-64 $15,000
    Accidental Death and Dismemberment
    Accidental Death and Dismemberment
    This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
    Device Protection Rider
    Device Protection Rider
    Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

    Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
    Telehealth
    Telehealth
    Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
    Patriot Lite Exclusions

    Patriot Lite Exclusions

    What is not covered

    Manage Your Policy Online

    Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

    Helpful Links

    Claims Contact Information

    Send Claim Form to:
    Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
    Apple Valley, MN 55124 USA
    317-655-4500
    imgcustomercare@imglobal.com
    Administrator Contacts:
    800-628-4664 or 317-655-4500
    imgcustomercare@imglobal.com
    Claims Form(s):
    Download Insurance Claim Form

    The Patriot Lite plan is available for any non-US Resident, visiting the USA for a short period of time. It is available to both US and Non US citizens, who permanently live outside the USA, and are traveling to the USA for a short trip.

    The Patriot Lite plan does not offer any coverage for pre-existing conditions.
    No, Patriot Lite doesn't cover for acute onset of pre-existing conditions.

    You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot Lite plan, which is the United Healthcare PPO Network.

    You can search for doctors or hospitals in this Provider Directory.

    The Patriot Lite plan does not provide coverage for acute onset of pre-existing conditions or COVID-19, whereas Patriot Plus does.

    Please refer to the following article concerning the Patriot Lite claim process:
    Visitor Insurance Claim Process

    The cost of Patriot Lite varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. Typically, it can cost about $4 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.

    Please refer to the following article about the Patriot Lite policy usage:
    How to Use Your Visitor Insurance

    Yes, you can extend the Patriot Lite policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge.

    Yes, you can cancel and get a refund for Patriot Lite, if you need to go back earlier than plan. The following rules apply:

    • Submit cancellation request through your account.
    • If you cancel the policy before the start date, you are eligible for a full refund.
    • If you cancel after the policy start date, you can get a refund only if no claims have been filed.
    • $50 cancellation fee applies.
    You cannot remove one person from the policy if other travelers are included. We recommend letting the current Patriot Lite policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
    In order to apply for Patriot Lite, you will need names, date(s) of birth, home country address, and a valid credit card.

    You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online Patriot Lite application, you will receive confirmation in your e-mail. You can also retrieve your ID card using MyIMG: Get My ID Card

    Patriot Lite will provide coverage 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.
    The Patriot Lite plan does not offer any coverage for COVID-19. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

    Based on the desired coverage length you have selected, you have to make the full payment at once.

    Since Patriot Lite is extendable, you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension.

    Coverage will begin on the date selected and once the policyholder has left their home country. The Patriot Lite 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 Patriot Lite policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
    Coverage on the Patriot Lite plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.
    No, your Patriot Lite plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
    If your school or educational program does not any have specific health insurance requirements to meet, Patriot Lite can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them.
    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 Patriot Lite application before completing the purchase to prevent any errors and corrections.

    This is a discount savings program available to every certificate holder of the Patriot Lite plan. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

    This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot Lite plan. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

    Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card

    The Adventure Sports Rider offered in the Patriot Lite plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing.

    All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

    The Patriot Lite Device/Cellular Protection rider is an optional coverage that certain residents can purchase to cover their cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.

    Residents from the following countries have the option to purchase this additional rider for coverage during their international travels: USA, Belgium, Netherlands, Norway, Sweden, Finland, Denmark, Austria, Italy, Ireland, South Korea, Hong Kong, Vietnam, Malaysia, Indonesia, Philippines, Thailand.

    To learn more about the Device/Cellular protection rider, click here.
    The Patriot Lite Accidental Death and Dismemberment rider is a choice exclusively offered to the main insured person, and it must be acquired at the time of application, with a minimum requirement of 3 months of coverage. This additional rider provides enhanced coverage on top of the standard Accidental Death and Dismemberment benefit already incorporated within the policy. PLEASE NOTE: The Premium is charged in whole-month increments.
    The Patriot Lite Telehealth Rider is an optional benefit that provides 24/7 access to U.S. board-certified doctors and pediatricians for diagnosis, treatment, and prescriptions for new illnesses or injuries via phone or video.
    If your original Patriot Lite 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.
    To purchase the Patriot Lite policy, the minimum premium must be at least $10. If your total premium for the duration of coverage is less, you will be charged $10 to meet the requirement. If you have further questions regarding the $10 premium minimum, please feel free to contact our licensed insurance specialist at support@visitorscoverage.com.

    Learn more from informative articles at the Visitor Insurance Information section.

    Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information.

    Have specific questions about this plan?

    AI Assistant Patriot Lite

    AI assistant can help you find specific terms and details in the policy document.

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    Chat with Luna

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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.

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    Optional add-on benefits

    Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

    Adventure Sports Rider
    View Rider Document
    The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
    Age Lifetime Maximum
    0-49 $50,000
    50-59 $30,000
    60-64 $15,000
    Accidental Death and Dismemberment
    View Rider Document
    This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
    Device Protection Rider
    View Rider Document
    Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

    Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
    Telehealth
    View Rider Document
    Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.

    Disclaimer:
    Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

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