| Insurance Provider | IMG (International Medical Group) |
| Medical Provider Network | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. |
| Plan Type | Patriot America Lite is for non-US residents traveling outside their residence country and their destinations include the US. Patriot International Lite is for anyone traveling outside their residence country and their destinations excludes the US. |
| Maximum Benefit | $50,000, $100,000, $500,000, $1,000,000 |
| Deductible (Insured pays before insurance pays) | $0, $100, $250, $500, $1,000, $2,500 Optional Benefit - Teladoc - Telephone based doctor visits free - No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
| Trip Benefits | Trip Interruption up to $10,000 Lost Baggage and Personal Effects $500, Optional Cell Phone Protection, Optional iTravelInsured Essential trip expense coverage |
| Illness or Injury Coinsurance | Outside the US there is no coinsurance. In the US - No Coinsurance in PPO. In the US - Out of PPO coinsurance is 20% to $5,000 then 0%. |
| Hospital Room & Board | Up to the Max for average semi-private room rate |
| Intensive Care | Up to the Maximum |
| Mental Health and Substance Abuse | N/A |
| Emergency Room | URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization |
| Prescription Drugs | Up to the Maximum, not to exceed $250,000. Subject to coinsurance in the US. |
| Urgent Care Clinic | $25 copay, deductible waived. Not applicable when $0 deductible selected. |
| Walk in Clinic | $15 copay, deductible waived. Not applicable when $0 deductible selected. |
| Surgery Care | Up to the Maximum |
| Doctor Visit | Up to the Maximum |
| Xray and Lab | Up to the Maximum |
| Ambulance | Up to Maximum for injury resulting in needed emergency care, or illness resulting in hospital admission. Otherwise not covered. |
| Hospital Indemnity | $250 per overnight inpatient stay, 10 maximum |
| Accident Dental | $300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist. |
| Accidental Death & Loss of Limb | $50,000 principal sum |
| Bedside Visit | $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible. |
| Medical Evacuation | $1,000,000 |
| Repatriation of Remains | Up to the Maximum |
| Pre-existing conditions | Acute Onset of pre-existing conditions coverage for Patriot International (not Patriot America). Non-US citizen up to age 69 - up to lower of plan maximum or $1,000,000. US citizen up to age 64 with primary health coverage - up to plan maximum. US citizen up to age 64 without primary health coverage - $20,000. US citizen age 65 up to age 69 - $2,500. Optional Benefit - Teladoc - Telephone based doctor visits free - No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
| Group Pricing | 5 or more primary insured have about 5% discount |
| Benefit Details | https://purchase.imglobal.com/PlanDescription/PATRIOT/BenefitsContent?imgac=80000699 |
| Sample Contract | http://producer.imglobal.com/producerdocuments.ashx?documentid=3115 |
MyIMG Account can help you with:
Submit a Claim, and Lookup Claim Status
Search for Provider in PPO
Change your Email Address or Phone Number
Patriot Travel Lite Insurance for anyone traveling out of their country of residence.
Patriot Travel Lite Insurance is designed for anyone traveling out of their country of residence, regardless of visa status. Cost starts at about $1/day. Purchase 5 days - 1 year, and renewable up to 2 years. After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.
Patriot Travel Lite Insurance includes Patriot America Lite
for travelers to destinations including the US and Patriot
International Lite for travelers to non-US destinations.
Patriot International Lite covers COVID-19 same as any
illness. Patriot America Lite does not cover COVID-19. For a
similar plan covering COVID-19 for a US destination see
Patriot America Plus