{"id":376,"date":"2016-06-15T17:16:23","date_gmt":"2016-06-15T17:16:23","guid":{"rendered":"http:\/\/www.j1insurance.net\/blog\/?p=376"},"modified":"2025-12-28T15:21:31","modified_gmt":"2025-12-28T15:21:31","slug":"patriot-travel-medical-insurance","status":"publish","type":"post","link":"https:\/\/www.j1insurance.net\/blog\/patriot-travel-medical-insurance\/","title":{"rendered":"IMG Patriot Travel Medical"},"content":{"rendered":"\n
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\"IMGIMG Patriot Travel Medical Insurance offering has a broad range of options to meet differing needs. There are plans designed for anyone (U.S. and non-U.S. residents) traveling out of their residence country, regardless of visa requirements. Cost starts at about $1\/day. You can purchase from 5 days – 1 year, and renew if 1 month or more is purchased initially. After submitting an application online successfully, you will receive an Email which contains your insurance ID card and your confirmation letter (Visa Letter).   Let us guide you to the right plan for you.<\/p>\n

Content updated 3\/6\/2025<\/p>\n
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Travel Medical Plans that cover COVID-19 Same as any Illness:<\/b>

Patriot America Plus
Patriot Platinum America
Patriot International Lite
Patriot Platinum International
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Patriot Lite Travel Medical Insurance Choices<\/h2>\n
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Patriot America Lite and Patriot International Lite<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
IMG Patriot Lite Travel Medical Insurance<\/th>\nPatriot America Lite For non-US residents traveling to the US<\/th>\nPatriot International Lite For  anyone traveling outside the US and outside their resident country<\/th>\n<\/tr>\n
Lifetime maximum<\/td>\n$50,000, $100,000, $250,000, $500,000, $1,000,000<\/td>\n$50,000, $100,000, $500,000, $1,000,000,<\/td>\n<\/tr>\n
Term<\/td>\n5 days to 2 years<\/td>\n5 days to 2 years<\/td>\n<\/tr>\n\n
Deductible<\/td>\n$0, $100, $250, $500, $1,000, $2,500.
Optional Benefit – Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		$0, $100, $250, $500, $1,000, $2,500.
Optional Benefit – Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n<\/tr>\n
Urgent Care Center<\/td>\n$25 copay, deductible waived. Not applicable when $0 deductible selected.<\/td>\n$25 copay, deductible waived. Not applicable when $0 deductible selected.<\/td>\n<\/tr>\n
Walk in Clinic<\/td>\n$15 copay, deductible waived. Not applicable when $0 deductible selected.<\/td>\n$15 copay, deductible waived. Not applicable when $0 deductible selected.<\/td>\n<\/tr>\n
Doctor Care<\/td>\nUp to the Maximum<\/td>\nUp to the Maximum<\/td>\n<\/tr>\n
Coinsurance<\/td>\nIn-PPO No Coinsurance Out-PPO, 20% to $5,000 then 0%<\/td>\nNo coinsurance outside of U.S.<\/td>\n<\/tr>\n\n\n
Intensive care unit<\/td>\nUp to the Maximum<\/td>\nUp to the Maximum<\/td>\n<\/tr>\n
Bedside Visit<\/td>\n$1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.<\/td>\n$1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.<\/td>\n<\/tr>\n
Hospitalization \/ room & board<\/td>\nUp to the Maximum for average semi-private room rate<\/td>\nUp to the Maximum for average semi-private room rate<\/td>\n<\/tr>\nSurgery Care<\/td>\nUp to the Maximum<\/td>\nUp to the Maximum<\/td>\n<\/tr>\n<\/tr>\nOutpatient Surgery Care<\/td>\nUp to the Maximum<\/td>\nUp to the Maximum<\/td>\n<\/tr>\n
Hospital Daily Indemnity<\/td>\n$250 per day. 10 day maximum.<\/td>\n$250 per day. 10 day maximum.<\/td>\n<\/tr>\n
Prescription Drugs<\/td>\nUp to the Maximum, not to exceed $250,000. Subject to coinsurance in the US.<\/td>\nUp to the Maximum, not to exceed $250,000.<\/td>\n<\/tr>\n
Emergency Room<\/td>\nURC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\nURC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\n<\/tr>\n
Local Ambulance<\/td>\nUp to Maximum for injury resulting in needed emergency care, or illness resulting in overnight hospital stay. Otherwise not covered.<\/td>\nUp to Maximum for injury resulting in needed emergency care, or illness resulting in overnight hospital stay. Otherwise not covered.<\/td>\n<\/tr>\n
Accidental Dental Injury<\/td>\n$300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist.<\/td>\n$300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist.<\/td>\n<\/tr>\n
Sport & Activities Coverage<\/td>\nUp to the Maximum for basic sports<\/td>\nUp to the Maximum for basic sports<\/td>\n<\/tr>\n
Trip Interruption<\/td>\nUp to $10,000<\/td>\nUp to $10,000<\/td>\n<\/tr>\n
Optional Trip Benefits<\/td>\nCell Phone Protection<\/td>\nCell Phone Protection
iTravelInsured Essential trip expense coverage<\/td>\n<\/tr>\n
Accidental Death & Loss of Limb<\/td>\n$50,000 principal sum<\/td>\n$50,000 principal sum<\/td>\n<\/tr>\n
Emergency Medical Evacuation<\/td>\n$1,000,000<\/td>\n$1,000,000<\/td>\n<\/tr>\n
Repatriation of remains<\/td>\nUp to the maximum benefit selected<\/td>\nUp to the maximum benefit selected<\/td>\n<\/tr>\n
Pre-existing conditions<\/td>\nN\/A.
Optional Benefit – Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		Non-US citizen up to age 69 – up to lower of plan maximum or $1,000,000.
US citizen up to age 64 with primary health coverage – up to plan maximum.
US citizen up to age 64 without primary health coverage – $20,000.
US citizen age 65 up to age 69 – $2,500.
Optional Benefit – Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n<\/tr>\n
Health Network<\/td>\nUnitedHealthcare Options network (for Patriot America in the US) provides access to broadest top tier national network in the US.
Convenient access to simplified claims processing and direct billing.<\/td>\n		IMG Network<\/td>\n\n<\/tr>\n
Personal Liability Coverage<\/td>\nInjury to another or damage to others property – $25,000 maximum subject to $100 deductible<\/td>\nInjury to another or damage to others property – $25,000 maximum subject to $100 deductible<\/td>\n<\/tr>\n
Lost Luggage<\/td>\n$50 per item, $500 maximum<\/td>\n$50 per item, $500 maximum<\/td>\n<\/tr>\n
Group Pricing<\/td>\n5 or more primary insured have about 5% discount<\/td>\n5 or more primary insured have about 5% discount<\/td>\n<\/tr>\n
Premium for $50,000 maximum and $250 deductible ($10,000 max for 80+ age) – minimum purchase 5 days<\/td>\n\n
\n\n\n\n\n\n\n\n\n\n\n\n\n
Age<\/th>\n30 days Premium<\/th>\n<\/tr>\n
< 18 <\/td>\n$42.30<\/td>\n<\/tr>\n
18-29<\/td>\n$42.30<\/td>\n<\/tr>\n
30-39<\/td>\n$52.80<\/td>\n<\/tr>\n
40-49<\/td>\n$69.30<\/td>\n<\/tr>\n
50-59<\/td>\n$116.70<\/td>\n<\/tr>\n
60-64<\/td>\n$147.90<\/td>\n<\/tr>\n
65-69<\/td>\n$149.70<\/td>\n<\/tr>\n
70-79<\/td>\n$243.60<\/td>\n<\/tr>\n
80+<\/td>\n$404.10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Age<\/th>\n30 days Premium<\/th>\n<\/tr>\n
< 18<\/td>\n$26.70<\/td>\n<\/tr>\n
18-29<\/td>\n$27.90<\/td>\n<\/tr>\n
30-39<\/td>\n$31.80<\/td>\n<\/tr>\n
40-49<\/td>\n$53.70<\/td>\n<\/tr>\n
50-59<\/td>\n$91.50<\/td>\n<\/tr>\n
60-64<\/td>\n$117.00<\/td>\n<\/tr>\n
65-69<\/td>\n$138.90<\/td>\n<\/tr>\n
70-79<\/td>\n$207.30<\/td>\n<\/tr>\n
80+<\/td>\n$366.90<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n
Premium for $50,000 maximum and $1000 deductible ($10,000 max for 80+ age) – minimum purchase 5 days<\/td>\n\n
\n\n\n\n\n\n\n\n\n\n\n\n\n
Age<\/th>\n30 days Premium<\/th>\n<\/tr>\n
< 18<\/td>\n$33.84<\/td>\n<\/tr>\n
18-29<\/td>\n$33.84<\/td>\n<\/tr>\n
30-39<\/td>\n$42.24<\/td>\n<\/tr>\n
40-49<\/td>\n$55.44<\/td>\n<\/tr>\n
50-59<\/td>\n$93.36<\/td>\n<\/tr>\n
60-64<\/td>\n$118.32<\/td>\n<\/tr>\n
65-69<\/td>\n$119.76<\/td>\n<\/tr>\n
70-79<\/td>\n$194.88<\/td>\n<\/tr>\n
80+<\/td>\n$323.28<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Age<\/th>\n30 days Premium<\/th>\n<\/tr>\n
< 18<\/td>\n$21.36<\/td>\n<\/tr>\n
18-29<\/td>\n$22.32<\/td>\n<\/tr>\n
30-39<\/td>\n$25.44<\/td>\n<\/tr>\n
40-49<\/td>\n$42.96<\/td>\n<\/tr>\n
50-59<\/td>\n$73.20<\/td>\n<\/tr>\n
60-64<\/td>\n$93.60<\/td>\n<\/tr>\n
65-69<\/td>\n$111.12<\/td>\n<\/tr>\n
70-79<\/td>\n$165.84<\/td>\n<\/tr>\n
80+<\/td>\n$293.52<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n
 <\/td>\nPatriot Lite Travel Medical Insurance<\/span>Buy Now<\/a><\/td>\nPatriot Lite Travel Medical Insurance<\/span>Buy Now<\/a><\/td>\n<\/tr>\n
 <\/td>\nGroup for 5 or more (10% off)Buy Group<\/a><\/td>\nGroup for 5 or more (10% off)Buy Group<\/a><\/td>\n<\/tr>\n
 <\/td>\nPatriot Travel FAQ<\/a><\/td>\nPatriot Travel FAQ<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
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Read a brochure<\/h5>\n

English Brochure<\/a>
Chinese Brochure<\/a>
Spanish Brochure<\/a>
Portuguese Brochure<\/a><\/p>\n<\/div>\n<\/div>\n

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Patriot America Plus<\/h2>\n

For non-US residents<\/strong>.  This plan is similar to Patriot America.  This plan adds coverage for acute onset of pre-exisiting conditions for people under 70 years old.  Medical benefits of $50,000, $100,000, $500,000, or $1,000,000.<\/p>\n\n

Learn more about Patriot America Plus<\/a>
Get a Quote or Buy Now for Individual or family<\/a>
Get a Quote for Group<\/a><\/p>\n

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Read a brochure<\/h5>\n

English Brochure<\/a><\/p>\n<\/div>\n<\/div>\n

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Patriot Platinum Travel Medical Insurance<\/h2>\n

Patriot Platinum America for travelers to destinations including the US<\/p>\n

or<\/p>\n

Patriot Platinum International for travelers to non-US destinations<\/p>\n

The Patriot Platinum Travel Medical plan adds additional benefits.  Coverage is available for up to three years.  Maximum medical benefit levels are available from $2,000,000 to $8,000,000.  Deductibles range from $0 to $25,000.   Ages 70-79 can buy up to $100,000 coverage.  Ages 80 and over can have $20,000 coverage.<\/p>\n

Differences from Patriot Travel Medical Insurance<\/p>\n