OnshoreKare

Q1: Am I eligible for the Patriot Lite plan?

The Patriot Lite plan is available for any non-US Resident, visiting the USA for a short period of time. It is available to both US and Non US citizens, who permanently live outside the USA, and are traveling to the USA for a short trip.

Q2: Are pre-existing conditions covered by the Patriot Lite plan?

The Patriot Lite plan does not offer any coverage for pre-existing conditions.

Q3: Does Patriot Lite cover for acute onset of pre-existing conditions?

No, Patriot Lite doesn't cover for acute onset of pre-existing conditions.

Q4: Which doctor or hospital can I go to with Patriot Lite?

You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot Lite plan, which is the United Healthcare PPO Network.

You can search for doctors or hospitals in this Provider Directory.

Q5: What is the difference between Patriot Lite and Patriot Plus?

The Patriot Lite plan does not provide coverage for acute onset of pre-existing conditions or COVID-19, whereas Patriot Plus does.

Q6: How do I file a claim on my Patriot Lite policy?

Please refer to the following article concerning the Patriot Lite claim process:
Visitor Insurance Claim Process

Q7: How much does Patriot Lite cost?

The cost of Patriot Lite varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. Typically, it can cost about $4 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.

Q8: How do I use the Patriot Lite insurance?

Please refer to the following article about the Patriot Lite policy usage:
How to Use Your Visitor Insurance

Q9: Can I extend the Patriot Lite plan, if I plan to stay longer?

Yes, you can extend the Patriot Lite policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge.

Q10: Can I cancel the Patriot Lite plan, if I plan to go back earlier?

Yes, you can cancel and get a refund for Patriot Lite, if you need to go back earlier than plan. The following rules apply:

• Submit cancellation request through your account.
• If you cancel the policy before the start date, you are eligible for a full refund.
• If you cancel after the policy start date, you can get a refund only if no claims have been filed.
• $50 cancellation fee applies.

Q11: Can I cancel only one person from the Patriot Lite policy?

You cannot remove one person from the policy if other travelers are included. We recommend letting the current Patriot Lite policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

Q12: What information do I need to buy the Patriot Lite plan?

In order to apply for Patriot Lite, you will need names, date(s) of birth, home country address, and a valid credit card.

Q13: When will I receive my Patriot Lite ID card?

You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online Patriot Lite application, you will receive confirmation in your e-mail. You can also retrieve your ID card using MyIMG: Get My ID Card

Q14: What if I am traveling to multiple countries, will Patriot Lite cover me?

Patriot Lite will provide coverage in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Q15: Does Patriot Lite cover coronavirus?

The Patriot Lite plan does not offer any coverage for COVID-19. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Q16: When I buy the Patriot Lite plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once.

Since Patriot Lite is extendable, you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension.

Q17: Is there a waiting period for coverage to begin on my Patriot Lite plan?

Coverage will begin on the date selected and once the policyholder has left their home country. The Patriot Lite policy will only cover for conditions that occur after the policy effective date.

Q18: I'm traveling to multiple countries and input all the destinations during the quoting process. Why does my Patriot Lite policy documents only list one destination country?

Only the primary destination in the application will be listed on the Patriot Lite policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Q19: When does my coverage start and end on my Patriot Lite plan?

Coverage on the Patriot Lite plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.

Q20: Will my Patriot Lite plan be extended /renewed automatically?

No, your Patriot Lite plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

Q21: I am on a student visa, am I eligible to purchase the Patriot Lite plan as a short term health option during my participation in school or educational program?

If your school or educational program does not any have specific health insurance requirements to meet, Patriot Lite can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them.

Q22: Why do Patriot Lite corrections take 3-5 business days and can't be a quick fix?

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the Patriot Lite application before completing the purchase to prevent any errors and corrections.

Q23: What's the Rx Discount Card that comes with the Patriot Lite plan?

This is a discount savings program available to every certificate holder of the Patriot Lite plan. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot Lite plan. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card

Q24: What is the Patriot Lite Adventure Sports Rider and what does it cover?

The Adventure Sports Rider offered in the Patriot Lite plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is 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; 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.

PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Q25: What is the Patriot Lite Device/Cellular Protection Rider and who can purchase it?

The Patriot Lite Device/Cellular Protection rider is an optional coverage that certain residents can purchase to cover their cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.

Residents from the following countries have the option to purchase this additional rider for coverage during their international travels: USA, Belgium, Netherlands, Norway, Sweden, Finland, Denmark, Austria, Italy, Ireland, South Korea, Hong Kong, Vietnam, Malaysia, Indonesia, Philippines, Thailand.

To learn more about the Device/Cellular protection rider, click here.

Q26: What is the Patriot Lite AD&D Rider and what does it cover?

The Patriot Lite Accidental Death and Dismemberment rider is a choice exclusively offered to the main insured person, and it must be acquired at the time of application, with a minimum requirement of 3 months of coverage. This additional rider provides enhanced coverage on top of the standard Accidental Death and Dismemberment benefit already incorporated within the policy. PLEASE NOTE: The Premium is charged in whole-month increments.

Q27: What is the Patriot Lite Telehealth Rider and what does it cover?

The Patriot Lite Telehealth Rider is an optional benefit that provides 24/7 access to U.S. board-certified doctors and pediatricians for diagnosis, treatment, and prescriptions for new illnesses or injuries via phone or video.

Q28: My credit card expired how do I receive my refund for Patriot Lite?

If your original Patriot Lite payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

Q29: Why is my premium for Patriot Lite $10 when the daily rate calculated is less?

To purchase the Patriot Lite policy, the minimum premium must be at least $10. If your total premium for the duration of coverage is less, you will be charged $10 to meet the requirement. If you have further questions regarding the $10 premium minimum, please feel free to contact our licensed insurance specialist at [email protected].

Q30: Where can I find answers to other questions I have?

Learn more from informative articles at the Visitor Insurance Information section.

Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information.