Patriot International Lite Insurance Reviews

Best for Schengen visaAcute on set of pre-existing conditions Covid19 coverage

Patriot International Lite insurance cost

Age & Citizenship
Destinations
Start Date
End date

Key benefits of Patriot International Lite Insurance

Meets Schengen visa requirements

Comprehensive plan

Acute onset of a pre-existing condition

PPO network

Renewability

Medical Evacuation coverage

Patriot International Lite Insurance Reviews, IMG insurance reviews

Policy maximum
$500k $100k $500k $1M
Deductible options
$0 $100 $250 $500 $1,000 $2,500
Insurance provider
International Medical Group
Patriot International Lite rating
AM Best Rating: "A" (Excellent)
Patriot International Lite underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life -5 days to 364 days.
Patriot International Lite Insurance can be renewed onlinemaximum up to 2 years.
Coinsurance of IMG Patriot International Lite
In Network - The plan pays 90%
90%
Compare IMG Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot International Lite Links

  • Brochure
  • Details
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Group quotes
  • Application
  • Comprehensive

Patriot International Lite travel insurance reviews

  • Patriot International Insurance satisfies Schengen visa requirements.
  • Plan maximum options available up to $1 million.
  • It covers acute onset of pre-existing conditions up to the age of 70 years.
  • This plan can be renewed up to 24 months.

Patriot International Insurance Eligibility:
Coverage for people outside their home country whose destination excludes the United States or its territories.

View complete details of benefits

Patriot International Lite Insurance

The Patriot International Lite travel insurance offered by International Medical Group (IMG) is specifically designed for short term visitors outside the USA and is a hugely popular choice among tourists. This plan covers COVID-19 like any other illness. The plan meets Schengen Visa requirements or Europe Long Term visa requirements as long as you choose a $50,000 maximum (at least) with a $0 deductible (some countries require a $0 deductible). Immediately after purchase, you will receive a confirmation email containing links to ID cards and a "visa letter". The visa letter is what the consulate needs to see for visa purposes and states it covers COVID. They are considered official documents even though you print them out yourself. The plan is available for a minimum of 5 days and a maximum of 2 years.

Patriot International Lite travel Insurance - Key Highlights

  • Patriot International Lite plan is a Comprehensive plan.
  • The US and its territories is excluded as a destination.
  • Travel insurance plan can be renewed for up to 2 years.
  • The policy maximum options available are $50,000, $100,000, $500,000, and $1000,000.
  • The deductible options available are $0, $100, $250, $500, $1000, and $2500.
  • The IMG travel insurance plan maximum lifetime is 5 days to 12 months.
  • Emergency Medical Evacuation available for up to $1000,000.
  • Coinsurance is available 100% up to the maximum limit.
  • Acute onset of pre-existing condition coverage is available within the age of 70.
  • Covid19 coverage is available.
  • Incidental emergency coverage within the US is available for up to 2 weeks.
  • This Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.

A working example of using Patriot International Lite*

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred outside US and in the PPO: After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $24,000
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,000 minus $100 equals $23,900. Insured bears $100
  2. Apply 100% coinsurance.
  3. Plan/insurance company pays 100%: $23,900 and insured bears $100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Days in hospital $2,000/day for 3 days $5,900 $100 (Deductible)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24000 $23,900 $100
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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Important terms of Patriot International Lite Insurance reviews

  • Plan Maximum coverage of Patriot International Lite travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot International Lite insurance offers maximum coverage up to 1 million.
  • What is a deductible in Patriot International Lite visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Patriot International Lite insurance has deductible options from $0 up to $2,500
  • What is a provider network of Patriot International Lite Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Patriot International Lite visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot International Lite plan have no coinsurance coverage outside USA.
    For coverage inside USA:
    • Patriot International Lite pays
    • IN PPO NETWORK
      The plan pays 100%.
    • OUT OF PPO NETWORK
      The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Renewability of Patriot International Lite Travel health insurance
    Patriot International Lite Insurance can be renewed from 5 days to 364 days and later can be renewed maximum up to 2 years.
  • Eligibility to buy Patriot International Lite Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot International Lite has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Patriot International Lite Pre-existing conditions Visitors Insurance for international travelers
    Patriot International Lite insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years for acute onset of pre-existing conditions.
  • Underwriter and Eligibility of Patriot International Lite Insurance
    Patriot International Lite Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.
  • Add on benefits covered under Patriot International Lite visitor insurance
    Trip Cancellation, Trip Interruption and Travel Delay are covered, this rider can protect you from financial losses.

Patriot International Lite Travel Insurance - Common Questions

Patriot International Lite Insurance - FAQ's

01. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02. What are the benefits of Patriot International Lite insurance?

Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories. Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.

03. How much does Patriot International Lite cost?

The cost of Patriot International Lite insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000 depending on the age of traveler.

04. What are the requirements for purchasing Patriot International Lite insurance?

To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.

05. How do I purchase Patriot International Lite insurance?

You can get the quotes and make an instant purchase of Patriot International Lite travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

06. What is the coverage area of Patriot International Lite insurance?

Patriot International Lite insurance provides coverage worldwide except in your country of citizenship.

07. What are the different types of patriot insurance?

The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot International Lite Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.

08. Can I buy Patriot International Lite insurance for Schengen visa?

Yes, you can buy Patriot International Lite insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Patriot International Lite travel insurance also offers visa letter in French if required.

09. Which is an ideal temporary medical insurance plan for US citizens travelling outside US?

Patriot International Lite insurance for US citizens travelling outside USA offers comprehensive coverage up to 1 million for emergency medical expenses.

10. How does Patriot International Lite insurance offer coverage for medical expenses?

Patriot International Lite insurance works for travelers outside their home country by offering comprehensive coverage for medical expenses only outside the US. After the deductible amount, Patriot International Lite insurance pays 100% of the eligible expenses.
For detailed working example of how it works, you can review Patriot International Lite insurance working example.

11. I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot International Lite insurance?

Yes Patriot International Lite Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot International Lite insurance online.

12. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

13. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

14. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

15. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Patriot International Lite Insurance Information

  • Patriot International Lite Insurance Advantages

    • It is a comprehensive benefit plan.
    • One time deductible per policy period.
    • Complies with SCHENGHEN visa requirements.
    • Plan administrator provides VISA LETTER online.
    • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
    • Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
    • Optional rider cover for adventure sports, AD&D, citizenship return rider and cellular Phone Rider.
    • Coinsurance outside US & Canada - No coinsurance.
    • Additional benefit for US citizens with primary health coverage - Coverage for pre-existing conditions up to plan maximum.
    • Add on benefit for Trip Cancellation, Trip Interruption and Travel Delay.
  • Patriot International Lite Insurance Disadvantages

    • This plan does not cover Acute on set of pre-existing conditions for people above 70 years of age.
    • Only $10,000 coverage is available for travelers aged 80+.
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Unique Benefits

  • Comprehensive benefit plan.
  • Complies with SCHENGHEN visa requirements.
  • Plan administrator provides VISA LETTER online.
  • Co-insurance: Outside the USA plan pays 100% of all eligible expenses up to policy maximum.
  • Emergency medical evacuation: $1,000,000 maximum limit.. Not subject to deductible or co-insurance.
  • Repatriation of remains: Up to $50,000.
  • Trip Interruption: $5,000/certificate period.
  • Lost Luggage: $50/item of personal property. $250/certificate period.
  • Optional sports rider available.
  • Natural disaster benefit: Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
  • Offers coverage for acute onset of pre-existing conditions for US and Non US citizens
Patriot International Lite

Patriot International Lite - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Patriot International Lite Insurance Restrictions

Patriot International Lite Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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