Patriot Lite Travel Medical Insurance is designed for budget-conscious travelers seeking reliable and affordable medical coverage during their international trips.
In this in-depth review, we’ll explore the details of this insurance plan, its advantages and disadvantages, and whether it’s the right choice for your travel needs.
In this article...
Details about Patriot Lite Travel Medical Insurance
Patriot Lite Travel Medical Insurance is a short-term international travel medical insurance plan, providing coverage for medical expenses, emergency medical evacuation, and repatriation.
The policy offers a range of coverage limits and customizable options, making it a versatile option for travelers on a budget.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
The Company Behind Patriot Lite Travel Medical Insurance
Patriot Lite Travel Medical Insurance is a product of International Medical Group (IMG), a leading provider of travel insurance and global assistance services.
IMG has been serving the needs of travelers for over 25 years and is known for its comprehensive coverage, competitive pricing, and exceptional customer service.
Who is Patriot Lite Travel Medical Insurance Intended For?
Patriot Lite is ideal for:
- Budget-conscious travelers seeking affordable medical coverage
- Short-term international travelers, including tourists, students, and business travelers
- Individuals who require basic medical coverage without the need for extensive trip-related benefits
How Does Patriot Lite Travel Medical Insurance Work?
When you purchase Patriot Lite Travel Medical Insurance, you’ll have the option to choose your coverage limits, deductible, and policy duration.
The policy covers eligible medical expenses incurred during your trip, up to the chosen policy limit. In case of a medical emergency, the plan also covers emergency medical evacuation and repatriation.
Advantages of Patriot Lite Travel Medical Insurance
Some key advantages of this plan include:
- Affordable pricing for budget-conscious travelers
- Customizable coverage limits and deductibles
- Emergency medical evacuation and repatriation included
- 24/7 access to IMG’s global assistance services
Disadvantages of Patriot Lite Travel Medical Insurance
On the downside:
- Limited coverage for trip-related benefits, such as trip interruption and baggage protection
- Exclusions and limitations for certain pre-existing conditions and high-risk activities
Competing Insurance Plans from Other Companies
Some alternative travel medical insurance plans to consider include:
- WorldTrips Atlas Travel: Offers a similar level of medical coverage, with additional trip-related benefits and coverage for hazardous sports
- Seven Corners Liaison Travel Medical: Provides comprehensive medical coverage, along with customizable options and trip-related benefits
Cost of Patriot Lite Travel Medical Insurance
The cost of Patriot Lite Travel Medical Insurance depends on factors such as your age, trip duration, coverage limits, and deductible. To get an accurate quote for your specific needs, visit IMG’s website and provide your trip details.
Plan Details
Patriot Lite Travel Medical Insurance offers the following coverage:
- Medical expenses: Coverage for eligible medical expenses incurred during your trip, up to the chosen policy limit
- Emergency medical evacuation: Covers the cost of transporting you to the nearest appropriate medical facility or your home country
- Repatriation: Covers the cost of returning your remains to your home country in case of death
What is Not Included in Patriot Lite Travel Medical Insurance?
Some exclusions and limitations in Patriot Lite Travel Medical Insurance include:
- Certain pre-existing medical conditions
- High-risk activities and sports
- Coverage for trip-related benefits, such as trip interruption and baggage protection
Recommendation: Should You Choose Patriot Lite Travel Medical Insurance?
As an expert, we recognize that Patriot Lite Travel Medical Insurance is an affordable and customizable option for travelers seeking basic medical coverage during their international trips.
However, if you require more comprehensive coverage, including trip-related benefits and coverage for high-risk activities, you may want to consider alternative plans.
Before making a decision, it’s essential to carefully review the policy wording, compare it with other travel medical insurance plans, and assess your specific needs and travel plans.
While Patriot Lite Travel Medical Insurance is a cost-effective choice for some travelers, it may not be the ideal solution for everyone.
Conclusion
Patriot Lite Travel Medical Insurance offers an affordable and customizable option for budget-conscious travelers seeking short-term international medical coverage.
While the plan has some limitations and exclusions, it can be an excellent choice for those who require basic medical coverage without the need for extensive trip-related benefits.
It’s essential to carefully review the policy details, weigh the advantages and disadvantages, and compare it with other travel medical insurance plans to ensure you’re making the best choice for your travel needs.
By doing so, you can travel with peace of mind, knowing that you’re protected in case of a medical emergency during your trip.
