Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups

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Summary of Benefits

Plan Information
 
Maximum Limits Up to $1,000,000
Individual Deductible Options $0 to $2,500
ExtensionsUp to 24 continuous months
Emergency Medical Evacuation
(Must be approved in advance and coordinated by the company) 		$1,000,000
Coinsurance for treatment received outside the U.S. (International)100% up to the maximum limit
Coinsurance for treatment received in the U.S. (America)In the PPO network: 100% up to the maximum limit
Out of the PPO network: 80% up to $5,000, then 100%
Incidental Emergency Coverage in the U.S.
(Patriot International only) 		14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country
COVID-19 / SARS-CoV-2 Coverage
(Not available on the Patriot America Lite plan) 		COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Acute Onset of Pre-Existing Conditions
(Insured person must be under 70 years of age) (Patriot International Lite only) 		United States citizens:
Age 64 and under without a primary health plan:
  • Maximum limit: $20,000
Age 64 and under with a primary health plan:
  • Up to the period of coverage limit
Age 65 through age 69:
  • Maximum limit: $2,500
Non-United States citizens:
Age 69 and under:
  • Up to the period of coverage limit or $1,000,000 (whichever is lower)
$25,000 maximum limit for emergency medical evacuation
Eligible Medical ExpensesUp to the maximum limit
Physician Visits/ServicesUp to the maximum limit
Urgent Care Clinic$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Hospital Emergency Room
(Inside the U.S.) 		Injury not subject to emergency room deductible
Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Hospital Emergency Room
(Outside the U.S.) 		Up to the maximum limit
Hospitalization/Room & BoardAverage semi-private room rate up to the maximum limit. Includes nursing service
Intensive CareUp to the maximum limit
Bedside Visit
(Hospitalized in an intensive care unit) 		$1,500 maximum limit. Not subject to deductible.
Remote Transportation$5,000 per period; $20,000 lifetime maximum
Supplemental Accident$300 per covered accident
Outpatient Surgical / Hospital FacilityUp to the maximum limit
LaboratoryUp to the maximum limit
Radiology / X-rayUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
SurgeryUp to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan 		Up to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Durable Medical EquipmentUp to the maximum limit
Chiropractic Care
Medical order or treatment plan required 		Up to the maximum limit
Physical Therapy
(Medical order or treatment plan required) 		Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute care facility 		Up to the maximum limit
Home Nursing Care
(Upon direct transfer from an acute care facility) 		Up to the maximum limit
Prescription Drugs and Medications
(Dispensing limit per prescription: 90 days) 		Up to the plan maximum limit, may not exceed $250,000
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) 		Up to the maximum limit. Subject to deductible and coinsurance
Emergency Reunion
(Must be approved in advance by the company) 		$100,000 maximum limit. Not subject to deductible
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission 		IMG pays 100%
Natural Disaster Evacuation Must be approved in advance by the company $25,000 maximum limit. Not subject to deductible.
Political Evacuation & Repatriation
(Must be approved in advance by the company) 		$100,000 maximum limit. Not subject to deductible
Return of Minor Children
(Must be approved in advance by the company) 		$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial
(Must be approved in advance by the company) 		Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident $50,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Dental Treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Traumatic Dental Injury
Treatment at a hospital due to an accident 		Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident 		$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Hospital Indemnity$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Identity Theft$500 maximum limit. Not subject to deductible
Lost Luggage$50 per item, $500 maximum limit. Not subject to deductible
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Personal Liability
Secondary to any other insurance 		$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return
For a pet cat or dog traveling with the insured person 		$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person 		$500 maximum limit. Not subject to deductible.
Terrorism$50,000 maximum limit. Not subject to deductible
Return Travel$10,000 maximum limit. Not subject to deductible

Coverage Information

Conditions of Coverage

  1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
  2. Coverage under this plan is secondary to any other coverage
  3. Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
  4. Charges must be administered or ordered by a physician
  5. Charges must be incurred during the period of coverage or benefit period
  6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred

Eligibility

Patriot Lite travel medical insurance is available for U.S. citizens and permanent residents traveling outside the United States with coverage for brief returns to the U.S., and for non-U.S. citizens traveling outside their home country. For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international medical coverage. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the Application. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.

Renewal and Extensions

Subject to the terms of the plan, Patriot Lite travel medical insurance can be extended for a minimum of five days up to a 365-day period, until reaching a maximum of 24 continuous months. Prior to the end of each period of coverage purchased, you will receive renewal information. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage.

Enrollment

To apply for this plan, simply complete the online application by clicking "Get Quote". If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for coverage. If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG.

Ideal for Traveling Outside of Your Home Country

Patriot Lite Travel Medical Insurance

Patriot Lite

America
Most Popular
Most Popular Patriot America Plus Travel Medical Insurance

Patriot Plus

America
Recommended
Recommended Patriot Platinum Travel Medical Insurance

Patriot Platinum

America
Maximum LimitUp to $1,000,000Up to $1,000,000Up to $8,000,000
Deductible$0 to $2,500$0 to $2,500$0 to $25,000
Extensions24 months24 months36 months
Emergency Medical Evacuation$1,000,000$1,000,000Up to maximum limit
Coinsurance ( In Network ) 100%100%100%
Coinsurance ( Out of Network ) 80% up to $5,000 - then 100%80% up to $5,000 - then 100%90% up to $5,000 - then 100%
COVID-19 Coverage*   
Acute Onset of Pre-Existing Conditions   
Travel Intelligence   
TelehealthOptional add-on availableOptional add-on available 
Evacuation Plus   
 

* Up to policy maximum if contracted and treatment is provided after the policy effective date

Patriot Lite Travel Medial Insurance

Patriot Lite

International
Recommended
Recommended Patriot Platinum Travel Medial Insurance

Patriot Platinum

International
Maximum LimitUp to $1,000,000Up to $8,000,000
Deductible$0 to $2,500$0 to $25,000
Extensions24 months36 months
Emergency Medical Evacuation$1,000,000Up to maximum limit
Coinsurance 100% up to the maximum limit100% up to the maximum limit
Incidental Emergency in the U.S. Up to 2 weeksUp to 2 weeks
COVID-19 Coverage*   
Acute Onset of Pre-Existing Conditions  
Travel Intelligence  
TelehealthOptional add-on available 
Evacuation Plus  
 

* Up to policy maximum if contracted and treatment is provided after the policy effective date

All Patriot Series Plans Include...

Inpatient & Outpatient Services

  • Physician Visits
  • Urgent Care Clinic
  • Emergency Room
  • Intensive Care

Emergency Services

  • Local Ambulance
  • Natural Disaster Evac
  • Return of Mortal Remains
  • Return of Minor Children

Other Services

  • Accidental Death & Dismemberment
  • Dental Treatment
  • Emergency Eye Exam
  • Lost Luggage
  • Identity Theft
  • Pet Return
  • Prescription Medication
 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.