Worldwide
Patriot International Lite
Comprehensive Coverage,
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Patriot International Lite is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries. The coverage duration is available from 5 days to 365 days. After the deductible is satisfied, the plan will pay 100% of eligible medical expenses up to the policy maximum. Learn more about how Patriot International works.
Patriot International Lite can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Patriot International Lite does not cover Pre-Existing medical conditions. Please review Patriot International Lite policy documents for complete coverage and exclusions.
Patriot International Lite can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Patriot International Lite does not cover Pre-Existing medical conditions. Please review Patriot International Lite policy documents for complete coverage and exclusions.
Learn more about 5 optional add-on benefits available on this plan.
How Patriot International Lite Works
100%
Out of Network
After deductible, 100% up to policy maximum See How Patriot International Lite Works.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
100% up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$25 copay, 100% up to Policy Maximum
Prescription
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 69 and below
Schengen Visa Requirement
Yes
Medical Evacuation
Up to $1000000
.png)
Lab & X-Rays
100% up to policy maximum
Emergency Room
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 69 and below
Hospitalization
Average semi-private room and rate
Schengen Visa Requirement
Yes
Urgent Care
$25 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $1000000
Prescription
100% up to policy maximum
Lab & X-Rays
100% up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Eligibility
- For U.S & non U.S residents traveling internationally, excluding the USA
- 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
- Plan can be purchased after arrival at the destination
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
Out-Network
100% up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
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:
Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Up to policy maximum: Age 69 and below
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
100% up to policy maximum
Dr. / Physician Visit
Out-Network
100% up to policy maximum
Urgent Care
Out-Network
$25 copay, 100% up to Policy Maximum
Surgical Treatment
Out-Network
100% up to policy maximum
Lab & X-rays
Out-Network
100% up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
Out-Network
100% up to Policy Maximum
Surgical Treatment
Out-Network
100% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
Out-Network
Up to policy maximum
Emergency Room
Out-Network
100% up to policy maximum
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-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
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
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; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; 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.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Trip Cancellation and Interruption Coverage
Trip Cancellation and Interruption Coverage
Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours).
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. Note: this add-on benefit is only available for US residents.
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. Note: this add-on benefit is only available for US residents.
| 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 |
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.
COVID-19 Benefits
Covid-19 related benefits and coverage
COVID-19 Medical Coverage
COVID-19 Medical Coverage
This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
COVID-19 Testing
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
COVID-19 Vaccine/Booster
COVID-19 Vaccine/Booster
Not covered
COVID-19 Quarantine Coverage
COVID-19 Quarantine Coverage
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Patriot International Lite Exclusions
What is not covered
Patriot International Lite FAQs
All questions are answered by our Licensed Travel Insurance Consultants.
The Patriot International Lite Plan is available for US and non-US citizens and residents, traveling internationally anywhere outside their home country, excluding the USA.
You can go to any doctor or hospital of your choice with Patriot International Lite and be covered 100% for eligible medical expenses, after the deductible is met.
Please refer to the following article about the Patriot International Lite policy usage:
How to Use Your Visitor Insurance
The Trip Cancellation, Interruption, & Travel Delay rider offered with Patriot International Lite is only available to U.S residents traveling internationally and provides the below benefits if chosen. 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. Please review the policy documents for any limits or restrictions.
COVERAGES MAXIMUM BENEFIT
Please refer to the following article concerning the Patriot International Lite claim process:
Visitor Insurance Claim Process
The cost of Patriot International Lite varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, selected coverage benefit limits, and the addition of additional coverage options (riders). Typically, Patriot International Lite can cost about $3 a day for the duration of the trip for a person 50 years of age selecting International travel coverage area that does not include USA .
Yes, you can extend Patriot International Lite. You would need to extend the plan before the policy expires. There would be an extra $5 extension charge.
Yes, you can cancel and get a refund for the Patriot International Lite plan, if you need to go back earlier than planned. 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 Patriot International Lite if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
To purchase Patriot International Lite, you will need full name(s), coverage dates, date(s) of birth, home country address, and a valid credit card.
After purchasing Patriot International Lite, you will receive a digital copy of the ID card via email. You may print out the ID card if you would like a physical copy. You can also retrieve your ID card using MyIMG: Get My ID Card
Patriot International Lite will provide coverage in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates selected.
Patriot International Lite can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Patriot International Lite plan does not cover for the COVID-19 vaccine/booster. Patriot International Lite will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Based on the coverage length you selected, full payment must be made upfront to purchase Patriot International Lite.
This plan is extendable, allowing you to extend it any time before the policy expires. There is an extension fee of $5 for each extension made.
The earliest Patriot International Lite can start is the day after purchase, with no waiting period. Coverage begins on the selected date once the policyholder leaves their home country and only covers new and eligible conditions occurring after this date.
Only the primary destination will be listed on the policy documents, but all eligible countries will still be covered during the Patriot International Lite policy period.
Patriot International Lite coverage begins on the selected coverage start date when the traveler leaves their home country. It applies anywhere outside the home country while the policy is active. Coverage ends immediately upon the traveler's re-entry into their home country.
No, your Patriot International 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.
The Patriot International plan does not offer any coverage for quarantine.
Yes, you may purchase Patriot International Lite even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
The insurance provider for Patriot International Lite recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.
The Adventure Sports Rider offered in the Patriot International 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; 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 Device/Cellular Protection rider is an optional coverage available for Patriot International Lite 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.
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 Accidental Death and Dismemberment rider can be added to increase the Accidental Death and Dismemberment benefits already included in the Patriot International Lite policy. This option must be added and purchased at the time of application, with a minimum coverage period of 3 months. NOTE: The premium is charged in whole-month increments.
The telehealth rider, offered by Patriot International Lite, 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 payment method for Patriot International Lite is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing.
To purchase the Patriot International 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
Didn’t find what you are looking for?
Our smart travel assistant Luna is ready to assist you 24/7. She’ll answer your question instantly. Let’s Chat!
Send your question to one of our licensed agents. You’ll receive a response typically within 1 business day.
How COVID-19 is Covered Under Patriot International Lite
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
Atlas International
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, 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 Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Trip Interruption
- Trip Delay
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
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.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
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.
Atlas International Premium
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, 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 Eye Exam
- Emergency Dental Coverage
- Prescriptions/Medication
- Quarantine Indemnity
- Trip Interruption
- Trip Delay
- Lost Checked Luggage
- COVID-19 Coverage: Included
- No optional add-on benefits available
- Pre-Existing Conditions: No Coverage
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.
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.
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.
