Patriot International Lite

An overview of the requirements and benefits included with this plan. If there are other plans offered by the same company, you’ll find them on the bottom of the page.

Summary

IMG Global Patriot International Lite provides comprehensive worldwide travel insurance for international travelers seeking complete protection with extensive travel benefits. With scalable medical coverage and exceptional age inclusivity up to 99, it targets travelers who need reliable worldwide protection combined with practical travel benefits like luggage insurance and personal liability. The plan emphasizes comprehensive travel protection while excluding US coverage to maintain affordability.

Fact Sheet

Name Patriot International Lite
Provider IMG Global
Age 0 to 99
Premium $1.20 to $13.45 per day
Duration 5 days to 2 years
Minimum cancellation notice 1 month
Maximum number of medical extension days 3 months
Bookable after departure included
Available coverage regions Worldwide excluding US

Highlights

Pros:

  • Exceptional age coverage up to 99
  • Comprehensive worldwide coverage (excluding US)
  • Scalable medical coverage options
  • Home country coverage included
  • Luggage insurance included
  • Personal liability coverage included
  • Accidental death and disability benefits
  • Can be purchased after departure
  • Extended medical extension options (3 months)
  • Duration up to 2 years
  • Personal belongings coverage available

Cons:

  • Lower medical coverage than unlimited plans
  • No maternity coverage
  • No high-risk sports coverage
  • No US coverage option
  • Requires 1 month cancellation notice
  • Variable medical coverage may be insufficient for high-cost countries
  • Personal belongings require surcharge
  • Premium increases with age significantly

Medical Coverage (Illness & Accidents)

Medical Coverage Limit $10,000.00 to $100,000.00
Inpatient Coverage included
Outpatient Coverage included
Emergency Dental Coverage included
Maternity Coverage unavailable

Assistance

Emergency Assistance included
Repatriation Coverage included

Miscellaneous

Accidental Death and Disability Coverage included
High Risk Sports Coverage unavailable
Home Country Coverage included
Luggage Insurance included
Personal Belongings Coverage available at a surcharge
Personal Liability Coverage included

Analysis

IMG Global Patriot International Lite stands out for its exceptional age inclusivity and comprehensive travel benefits, making it one of the few plans available for travelers of any age. Its combination of medical coverage, home country benefits, and travel-specific protection creates a well-rounded package for international travelers seeking complete protection.

Compared to other plans:

  • Vs. ACS Globe plans: Lower medical coverage but covers unlimited age range and includes home country coverage
  • Vs. BDAE plans: Lower medical coverage but includes luggage and liability benefits that BDAE lacks
  • Vs. IMG Europe GlobeHopper: Similar provider but Patriot Lite includes comprehensive travel benefits
  • Vs. SafetyWing Nomad Essential: Similar comprehensive approach but IMG covers unlimited age range

The plan's unique selling point is its age inclusivity combined with comprehensive travel benefits, making it suitable for travelers often excluded from other plans. However, the medical coverage may be insufficient for high-cost healthcare countries, requiring careful consideration of destination healthcare costs.

Best suited for:

  • Travelers over 75 (excluded from most other plans)
  • Multi-generational family travel requiring age-flexible coverage
  • Older retirees on extended international travel
  • Travelers needing comprehensive benefits beyond medical coverage
  • International travelers requiring home country coverage flexibility

The plan provides exceptional value for older travelers who need comprehensive worldwide protection with travel benefits. However, those requiring higher medical coverage should consider premium plans, while US travelers should explore Visitors Care options from the same provider.

All Plans Offered By IMG Global

Plan Duration Age Medical Coverage Available Coverage Regions

Visitors Care Lite

5 days to 2 years 0 to 79 $25,000.00 United States

Visitors Care Platinum

5 days to 2 years 0 to 79 $100,000.00 United States

Visitors Care Plus

5 days to 2 years 0 to 79 $50,000.00 United States

iTravelInsured Lite (US citizen only)

1 day to 6 months 0 to 99 $100,000.00 Worldwide excluding US

Patriot International Platinum

5 days to 3 years 0 to 99 $20,000.00 to $2,000,000.00 Worldwide excluding US

Patriot International Lite

5 days to 2 years 0 to 99 $10,000.00 to $100,000.00 Worldwide excluding US
Visitors Care Lite
Duration: 5 days to 2 years
Age: 0 to 79
Medical Coverage: $25,000.00
Destinations: United States
Visitors Care Platinum
Duration: 5 days to 2 years
Age: 0 to 79
Medical Coverage: $100,000.00
Destinations: United States
Visitors Care Plus
Duration: 5 days to 2 years
Age: 0 to 79
Medical Coverage: $50,000.00
Destinations: United States
iTravelInsured Lite (US citizen only)
Duration: 1 day to 6 months
Age: 0 to 99
Medical Coverage: $100,000.00
Destinations: Worldwide excluding US
Patriot International Platinum
Duration: 5 days to 3 years
Age: 0 to 99
Medical Coverage: $20,000.00 to $2,000,000.00
Destinations: Worldwide excluding US
Patriot International Lite
Duration: 5 days to 2 years
Age: 0 to 99
Medical Coverage: $10,000.00 to $100,000.00
Destinations: Worldwide excluding US

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For full coverage details, terms, and conditions, refer to the provider's official documentation.
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