Patriot Lite Group Travel Medical InsuranceSM
All amounts shown are in U.S. dollars.
All amounts shown are in U.S. dollars.
| PLAN INFORMATION | |
| Maximum Limits | Up to $1,000,000 |
| Individual Deductible Options | $0 to $2,500 |
| Extensions | Up to 24 continuous months |
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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% |
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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 |
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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 |
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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:
Age 69 and under:
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| Eligible Medical Expenses | Up to the maximum limit |
| Physician Visits/Services | Up 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 |
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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 |
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Hospital Emergency Room
(Outside the U.S.) | Up to the maximum limit |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
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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 Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Surgery | Up to the maximum limit |
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Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
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Chiropractic Care
Medical order or treatment plan required | Up to the maximum limit |
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Physical Therapy
(Medical order or treatment plan required) | Up to the maximum limit |
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Extended Care Facility
Upon direct transfer from an acute care facility | Up to the maximum limit |
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Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
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Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
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Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
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Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
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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. |
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Political Evacuation & Repatriation (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
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Return of Minor Children (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
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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 |
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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. |
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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. |
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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. |
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Pet Return
For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible |
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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 |
* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.