International Medical Group Patriot International Lite
Heading abroad? The IMG Patriot International Lite plan is perfect for U.S. travelers who want reliable emergency medical coverage while exploring the world . Most travelers assume they’re already covered by their domestic health insurance —but that isn’t always the case. Most domestic plans don’t cover medical issues abroad – that’s where Patriot International Lite comes in. This plan helps fill the gaps with flexible emergency medical coverage options, offering maximum limits from $50,000 to $1,000,000 and deductible choices from $0 to $2,500.
All Patriot International plans include coverage for emergency medical evacuation, repatriation, and accidental death & dismemberment, giving you peace of mind while away from home. It also includes potential coverage for acute onset of pre-existing conditions. This plan is ideal for adventurous travelers with extreme sports on their itinerary. Many standard policies exclude medical coverage if you’re injured while participating in an adventure sport activity. However, if you purchase the optional Adventure Sports Rider on Patriot International, you can get coverage if you’re injured during activities like bungee jumping, spelunking, paragliding, and windsurfing. No one wants to get hurt on their trip, but if something does happen during a covered activity, this rider can give you valuable protection.
With 24/7 emergency assistance, help is always just a call away. Whether you’re hiking remote trails, working from a beachside café, or chasing your next thrill, this plan has you covered so you can focus on the adventure.
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 Patriot International Lite plan offers travel medical coverage for individuals that are traveling outside of their home country. 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 $250 Emergency Room deductible |
| Sudden Recurrence | Acute Onset Medical limit varies by age $25,000 Medical Evac. |
| Pre-Existing Lookback Period | 3 years |
| Covered Activities | bungee jumping caving paragliding spelunking abseiling bmx bobsledding canyoning hot air ballooning jungle zip lining parachuting parascending rappelling skydiving windsurfing Some coverages are only available with Adventure Sports Rider selected. Coverage not available in all states. Review your state-specific policy for all exclusions. |
| Medical Evacuation | $1,000,000 |
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 | Residents of Any Country – No 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 for Return Travel |
| Baggage Loss | $500 |
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 $250 Emergency Room deductible |
| Complications of Pregnancy | – |
| Terrorism | $50,000 max |
| Dental | $300 for Emergency Relief of Pain (secondary) Up to Medical max. for Traumatic Dental Injury (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 | Acute Onset Medical limit varies by age $25,000 Medical Evac. |
| 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 |
| 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 |
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 |
| Optional Coverages | Deductible may vary Cell Phone Rider TelaDoc Rider Adventure Sports Rider |
| Notes | Included Benefits: $25,000 for Natural Disaster Evacuation $100,000 for Political Evacuation and Repatriation $500 for Identity Theft $25,000 for Personal Liability [$100 deductible per injury/damage] $250 per day, 5 days max. for Natural Disaster Accommodations Incidental Trip |
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