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Patriot Lite Group Travel Medical Insurance

Patriot Lite Group Travel Medical Insurance for 5 or more Individuals

Review the Patriot Lite Group Travel Medical Insurance plan for groups of 5 or more, non-US residents visiting the USA or traveling outside their home country, or US citizens traveling abroad, purchase for 5 days, renew up to 2 years, 10% discount for group rates.

COVID-19 / SARS-CoV-2 Patriot Lite Group Travel Medical Insurance purchased on or after March 11 2020, COVID-19 will be NOT be covered and testing/treatment will be excluded from coverage. The Novel Coronavirus Disease, COVID-19, was declared a pandemic by the World Health Organization (WHO) on this date, hence the exclusion applies per the policy certificate of insurance document.

Patriot Lite Group Medical Travel Insurance is a group travel medical insurance plan for groups of 5 or more visitors to USA and/or anyone traveling outside their home country. Patriot Lite Group Travel Medical Insurance provides coverage for groups of five or more non-U.S. citizens and/or American citizens who need temporary visitor medical insurance while traveling for business or pleasure anywhere outside their home country. Patriot Group Travel Insurance offers a 10% discount from Patriot Lite Travel Medical Insurance and has one easy-to-use online enrollment form. Patriot Lite Group Travel Insurance offers coverage from a minimum of five days up to a maximum of two years.

There are two Patriot Lite Group Travel plans that provide up to $2,000,000 of medical coverage with a choice of deductibles and policy maximums. Patriot International Lite Group provides coverage for U.S. citizens traveling outside the U.S. and Patriot America Lite Group provides coverage for non-U.S. citizens traveling outside their home country. In addition to medical benefits, the plans include coverage for medical evacuation and repatriation.

Patriot Lite Group Travel Medical Insurance is administered worldwide by International Medical Group (IMG), and the policy coverage is underwritten and issued by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Patriot Lite Group Insurance Review

Group Travel Medical Plan for 5+

VIS Product Rating:

Notes: Save 10% on group rates for groups of 5 or more individuals visiting the USA or traveling abroad, easy purchase with single policy for entire group.

Eligibility: Groups of 5 or more foreign resident individuals, above age 14 days, and visiting the USA or traveling outside the United States.

Coverage Duration: Minimum of 5 days and purchase up to maximum of 1 year (365 days), renew up to 24 months total.

Amounts:

  • Member maximum limits: $50K to $1 million
  • Choice of deductible: $0 to $2,500
  • AD&D benefit: $25K (included), additional to $1 million

PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.

Renew or Extend: Renewable plan, extend coverage dates prior to expiration of policy. $5 renewal fee applies.

Other Highlights

  • Groups of 5+ individuals visiting the USA
  • 5+ groups of international travelers
  • Save 10% on group rates savings
  • Sickness/injury plan outside home country
  • Quote & purchase online for single trip
  • Optional riders to policy available

Patriot Lite Group Travel Health Insurance Policy Information

For more details, review the Patriot Lite Group Travel Medical Insurance Brochure, the in-depth coverage description is available in the Patriot Lite Group Travel Medical Certificate of Insurance sample document.

Two plan options are available:

  • Patriot America Lite Group for 5+ groups of foreign residents visiting the USA and other nations outside home country, and
  • Patriot International Lite Group for 5+ groups of USA residents or foreign residents traveling abroad outside America to any destination country outside their home country.

To purchase the policy, complete the online application to Quote and Buy Patriot Lite Group Travel Medical Insurance. If you prefer not to apply online, you can also print and complete the paper application, mail/fax the Patriot Lite Group Travel Medical Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.

Renew Patriot Lite Travel Medical Insurance or extend an existing policy online prior to expiration date, Patriot Lite Group Travel Medical Insurance is extendable and renewable up to 24 months (2 years) of continuous coverage.

Patriot Lite Group Travel Medical Insurance - Plan Overview

Patriot Lite Group Travel Medical Insurance plan is designed for groups of five or more visitors or travelers, student travel groups, groups of missionaries, etc. The plan highlights are as follows:

  • Eligibility: Groups of 5 or more visiting USA or traveling abroad
  • Offers short-term coverage for groups for medical expenses from unexpected injuries or illnesses
  • Single plan for entire group of travelers with discounted premium rates by 10% compared to the Patriot individual plan
  • Choice of Medical Maximum Limits from $50,000 to $2,000,000
  • Choice ofDeductible options from $0 to $2,500
  • Two plan designs – one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
  • Available in monthly and daily rates and renewable up to 24 months (if one month is purchased)
  • Emergency medical evacuation and repatriation of mortal remains benefit
  • Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits.
  • Common Carrier Accidental Benefit and Accidental Death and Dismemberment (AD&D)
  • Guarantee issued policy as no medical underwriting to determine eligibility
  • Freedom to seek treatment with the hospital or doctor of your choice
  • Emergency medical evacuations and repatriation of mortal remains
  • Trip cancellation, travel delay and baggage delay benefits available
  • Universal Rx pharmacy discount savings
  • Optional Chaperone Rider benefit
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Immediate coverage available, print virtual ID cards instantly after purchase.
  • Underwritten by SiriusPoint and Administered by IMG Insurance

Patriot Lite Group Travel Medical Plan Details

Patriot  America Visitor Health Insurance is designed for visitors to the USA, and tourist traveling to America for leisure or sightseeing, and Patriot International Travel Medical Insurance is for travelers outside America who are going abroad to any foreign country.

  • Eligibility: Groups of 5 or more visitors to the USA or international travelers outside their home country.
  • Policy Maximum: Plan offers maximum coverage choices from US$50,000 to US$1,000,000 for the life of the plan. For travelers ages 70 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older it is reduced to only $10,000.
  • Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, or US$2500 deductible per certificate/renewal period.
  • Coinsurance: Applies for treatment within the USA only. For treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
  • Policy Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 2 year (24 months).
  • Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
  • Pre-Existing Conditions: Coverage for acute onset of pre-existing condition is NOT available with this plan. To get this benefit, please consider the Patriot America Plus Group (for USA visitors) or Patriot Platinum Group Insurance (for international travelers). Please refer to the “Certificate of Insurance” document for plan exclusions of what is not covered.
  • Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
  • Administrator: Plan is administered by International Medical Group (IMG).

Patriot Lite Group Travel Medical Insurance - Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.

Patriot Lite Group Travel Medical - Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

Patriot Group Travel Medical Insurance PPO Network

IMG Patriot Group Travel Health Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

  • Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Patriot Group Travel Medical Insurance - Quote/Buy Online or Apply

Quote/Buy instantly online or print/complete the paper application along with the payment.

Patriot Group Travel Medical Insurance - Renew/Extend Coverage

IMG Patriot Group Travel Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

Patriot Group Travel Medical Insurance Client Dashboard

Patriot Group Travel Medical America plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

  • Client Dashboard: Access the Patriot Group Travel Medical Plan on the IMG Client Resources dashboard for existing policyholders.
  • Claim Form: Download and submit the Patriot Group Travel Medical Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Patriot Group Travel Medical Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Patriot Lite Group Travel Medical Insurance Plan Questions & Answers

Below are some of the questions frequently asked with the Patriot Lite Group Travel Medical insurance plan gathered over many years:

What are some of the salient features of the Patriot Lite Group Travel Medical policy?

Patriot Lite Group Travel Medical Insurance Highlights

Patriot Lite Group Travel Medical Insurance, review the Patriot Lite Group Travel Medical Insurance Brochure, the in-depth coverage description is available in the Patriot Lite Group Travel Medical Certificate of Insurance sample document.

To purchase the policy, complete the online application to Quote and Buy Patriot Lite Group Travel Medical Insurance along with premium payment.

Renew Patriot Lite Group Travel Medical Insurance or extend an existing policy online prior to expiration date, Patriot Lite Group Travel Medical Insurance is extendable and renewable up to 24 months (2 years) of continuous coverage.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.