Patriot Lite Travel Medical Insurance
Temporary health insurance for individuals, families, and groups
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.
All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.
|Through age 49||$50,000|
Chaperone/Faculty Leader Replacement Rider
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.
Trip Cancellation, Interruption, & Travel Delay Rider
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
Mobile Device Protection
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip—so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.
Enhanced AD&D Rider
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
Important Notice Regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine if PPACA is applicable to them, and the Company and IMG shall have no liability to any person whatsoever for their failure to obtain or maintain PPACA compliant insurance coverage.
Ideal for Traveling Outside of Your Home Country
|Maximum Limit||Up to $1,000,000||Up to $1,000,000||Up to $8,000,000|
|Deductible||$0 to $2,000||$0 to $2,000||$0 to $25,000|
|Extensions||24 months||24 months||36 months|
|Emergency Medical Evacuation||$1,000,000||$1,000,000||Up to maximum limit|
|Coinsurance ( In Network )||100%||100%||100%|
|Coinsurance ( Out of Network )||80% up to $5,000 - then 100%||80% up to $5,000 - then 100%||90% up to $5,000 - then 100%|
|Acute Onset of Pre-Existing Conditions|
* Up to policy maximum if contracted and treatment is provided after the policy effective date
|Maximum Limit||Up to $1,000,000||Up to $8,000,000|
|Deductible||$0 to $2,000||$0 to $25,000|
|Extensions||24 months||36 months|
|Emergency Medical Evacuation||$1,000,000||Up to maximum limit|
|Acute Onset of Pre-Existing Conditions|
All Patriot Series Plans Include...
- Local Ambulance
- Natural Disaster Evac
- Return of Mortal Remains
- Return of Minor Children
- Accidental Death & Dismemberment
- Dental Treatment
- Emergency Eye Exam
- Lost Luggage
- Identity Theft
- Pet Return
- Prescription Medication