International Medical Group Patriot America Lite
Traveling to a destination outside of your home country which includes a visit within the US? The IMG Patriot America Lite plan is designed for non-U.S. residents who want reliable protection while exploring abroad. Since unexpected emergency medical expenses can pop-up when you least expect them, this plan provides flexible coverage with maximum limit options ranging from $50,000 to $1,000,000, along with deductible choices from $0 to $2,500 to fit your budget and needs.
For those who thrive on adventure, this plan stands out by offering an optional Adventure Sports Rider, which can offer medical coverage should you get injured during activities like bungee jumping, spelunking, paragliding, and windsurfing, up to the stated limits. While travelers don’t anticipate injuries on their trip, this rider can offer important protection in case it happens. The plan also includes coverage for emergency medical evacuation, repatriation, and accidental death & dismemberment, as well as potential coverage for acute onset of pre-existing conditions.
Beyond medical benefits, the plan offers some basic travel-related protections, including trip interruption and baggage loss coverage. With 24/7 emergency assistance, you’ll have support when you need it most.
This is a general description of coverage. Actual policy details, including coverage and exclusions, may vary based on your quote and state of residence. Please refer to your state-specific certificate for full terms, conditions, and exclusions.
Coverages and Plan Info
The International Medical Group Patriot America Lite plan is a single-trip medical plan which offers coverage for non-U.S. residents traveling outside of their home country with a U.S. visit. The plan information listed below is for general purposes only. To view specific plan information for your trip, start a quote.
Plan Summary
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Limit | Medical limits may vary Pre-certification Provisions/Requirements Coinsurance for Eligible Medical Expenses |
| Sudden Recurrence | – |
| Pre-Existing Lookback Period | 3 Years |
| Medical Evacuation | $1,000,000 max (secondary) |
Plan Info
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Plan Type | Single-Trip Medical |
| Refund Policy | Varies by Request Date |
| Available to | Non-U.S. Residents with U.S. Visit |
| AM Best Rating | A– |
Trip Protection
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Interruption | $10,000 – Return Travel |
| Baggage Loss | $500 max (secondary) |
Medical
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Limit | Medical limits may vary Pre-certification Provisions/Requirements Coinsurance for Eligible Medical Expenses |
| Complications of Pregnancy | – |
| Terrorism | $50,000 max. |
| Dental | Emergency Relief of Pain – $300 max. (secondary) Traumatic Dental Injury – Up to Medical max. (secondary) |
Pre-Existing Conditions
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Sudden Recurrence | – |
| Lookback Period | 3 Years |
Accidental Death
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Full Coverage | $50,000 Accidental Death Rider (optional) |
| Common Carrier | Up to $100,000 (varies by age) |
| Flight Only | Included in Accidental Death – Common Carrier |
Evacuation
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Evacuation | $1,000,000 max (secondary) |
Additional Benefits
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Emergency Assistance | Call for Details |
| Rental Car | – |
| Optional Coverages | Deductible limits may vary $250 Emergency Room Deductible Cell Phone Rider TelaDoc Rider Adventure Sports Rider |
| Notes | Included Benefits Natural Disaster Evacuation Political Evacuation and Repatriation Identity Theft Incidental Trip |
