Patriot America Lite

IMG

Patriot America Lite provides dependable medical insurance when you’re traveling outside your home country to America or American territories. You can’t go wrong with such a robust insurance policy. Patriot America Lite is the perfect protection during any medical emergency. Plus, without realizing it, your existing medical coverage may not protect you so far from home. So you’ll need to find insurance that will travel with you, all the way to the U.S.A.

The Patriot America Lite plan offers a variety of deductible options and a large maximum limit. Valuable perks like identity theft, lost luggage, and trip interruption insurance are additional coverages that can be invaluable when you are thousands of miles from home.

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General

Coinsurance
In the PPO Network - Pays 100% | Out of the PPO Network - Pays 80% up to $5,000, then 100%
Brochure
Patriot_Travel_brochure_2023
Medical Benefits

Hospital Room and Board
Average semi-private room rate up to the policy maximum. Comprises of nursing service.
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the Plans Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Diagnostic Procedures
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
No Coverage
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
Up to the maximum limit (Medical order/treatment plan required)
Ambulance
Up to the maximum limit (Subject to coinsurance & deductible)
Emergency Room
As per the plans maximum limit. $250 deductible if its not inpatient.
Hospital Indemnity
Up to $250 per overnight up to a maximum of 10 overnights. Not subject to deductible.
Dental Benefits

Unexpected pain to sound natural teeth
$300 Maximum
Accident related Emergency
Up to maximum limit (Subject to coinsurance & deductible)
Life Insurance

Accidental Death & Dismemberment
$50,000 principal sum
Common Carrier Accidental Death
$25,000 per injured child | $100,000 per insured adult | Up to maximum of $250,000 per family
Other Travel Benefits

Emergency Medical Evacuation
$1,000,000 maximum limit
Return of Mortal Remains or Cremation/Burial
Up to max limit for return of mortal remains | $5,000 max for Cremation/Burial at the place of death
Emergency Reunion
Up to $100,000
Return of Minor Children
Up to $100,000
Trip Interruption
Up to $10,000
Loss Luggage
$50 per item; maximum of $500
Terrorism
Up to $50,000
Coverage Information
Plan Type
Comprehensive
Underwriter
Sirius Specialty Insurance Corporation
PPO Network
United Healthcare
Covid-19 Coverage
No
Cancelable
Yes
Extendable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.