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Patriot International Lite : Reviews, Ratings, and Feedback

Patriot International Lite

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

Best for:
Worldwide
Patriot International Lite Insurance is a comprehensive short-term travel medical insurance plan from International Medical Group (IMG), designed for individuals and families traveling outside their home country when the United States is not included as a destination. The plan provides coverage for eligible unexpected illnesses and injuries while abroad, with policy maximums of up to $1 million for eligible travelers, deductible options ranging from $0 to $2,500, and benefits such as emergency medical evacuation and limited coverage for an acute onset of a pre-existing condition, subject to age, eligibility, limits, exclusions, and other policy requirements.

For travelers comparing Patriot International Lite travel insurance, the plan can provide temporary medical protection for international trips from 5 days up to 12 months, subject to the plan terms. The plan is administered by IMG and underwritten by SiriusPoint Specialty Insurance Corporation. Travelers specifically looking for visitor insurance for the USA should note that Patriot International Lite excludes the United States as a destination. Eligible international travelers visiting the U.S. can instead consider Patriot America Lite, which is designed for temporary travel that includes the United States.

Learn more about 5 optional add-on benefits available on this plan.

Plan Highlights

  • After the deductible, the plan pays 100% of eligible medical expenses
  • 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 Coverage: Included
  • Pre-Existing Conditions: No Coverage
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: SiriusPoint Speciality Insurance Corporation
  • Best Suitable for: International travelers needing coverage outside home country
  • Eligibility (Who can buy this travel insurance?): International excluding 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

  • No PPO Network: Visit Any Doctor/Hospital
  • After the deductible plan pays: 100% up to the policy maximum
  • Medical Coverage During Travel
  • Acute Onset of Pre-Existing Condition
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $1,000,000
  • Optional Adventure Sports Rider
  • Optional Evacuation Plus Rider
  • COVID-19: Included
What's Not So Good

What's Not So Good

  • No Acute Onset Coverage for those above the age of 70
  • $10,000 maximum limit for travelers over 80 years of age
  • $50 cancellation fee

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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