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Patriot Exchange Student Insurance

Ideal for international students, study abroad students and scholars.

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Patriot Exchange student insurance

Patriot Exchange student insurance is an international student health insurance plan offered by IMG (International Medical Group) for the medical insurance needs of international students (F1 visa holders in the US), scholars, and cultural exchange participants (J visa holders in the US) studying or engaging in educational programs abroad. The plan offers comprehensive medical benefits, including hospitalization, doctor visits, emergency medical evacuation, prescription drugs, and more, ensuring that students have access to necessary medical care while away from home. The plan meets the US visa requirements for J1 and J2 visa holders, as well as other visa types.

The plan pays 10% of the first $10,000 with an out of pocket maximum of $1,000 within the provider network in the US, and the plan pays 20% with no cap (besides the maximum of the plan; so it’s a straight 80/20 plan) in outside the network in the US. Outside the US, there is no coinsurance.

This plan offers coverage for minimum of 1 month up to 12 months and it can be renewable up to 48 months. It offers $5 co-pay per visit to Student Health Center. Offers 24/7 access to tele-health providers for non-emergency care within the US. covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.

After a waiting period of 12 months, charges for conditions existing within 36 months before the effective date, can be covered up to $500 per period of coverage and $1,500 maximum limit. The plan offers up to a $5,000 maximum limit for a sudden and unexpected recurrence of a pre-existing.

Key benefits of Patriot Exchange Insurance

Student Health Center

Emergency Medical Evacuation

Pre-existing conditions

United Health Care PPO

Urgent Care

Sports Coverage

Patriot Exchange student insurance Reviews

Insurance provider
International Medical Group
Patriot Exchange insurance rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Policy maximum

Maximum medical coverage options are: $50, $100, $250, $500, $5,000,000

Deductible options

Individual deductible options are: $0, $100, $250, $500

Plan life 12 months.
Patriot Exchange Insurance can be Patriot Exchange Insurance can be renewed online maximum up to 48 months.
Patriot Exchange insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
IMG Patriot America Lite travel insurance

Patriot Exchange Insurance - Key Highlights

  • It is a very affordable plan and meets J visa requirements and F Visa for international students.
  • The deductible can be $500 or less with no further costs for the insured (while most plans have coinsurance which still must be paid after the deductible).
  • If the educational institution has a health center, the student can pay only a $5 copay for each visit for additional benefit and savings.
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.

Patriot Exchange Insurance related links

  • Brochure
  • Benefits
  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Group Quotes

Patriot Exchange Insurance, Comprehensive International student insurance

IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars. Patriot Exchange insurance is ideal for organizations that focus on international educational or cultural exchange programs. This Insurance offers coverage for pre-existing conditions. This plan is very popular among the IMG J1 visa insurance and F1 Visa holders. Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements

and is popular with students from China and India. J2 and F2 holders can also buy this plan without J1 and F1 being on the plan.

Patriot Exchange international student insurance plan summary


Patriot Exchange insurance optional riders

The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Adventure Sports rider
  • Chaperone/Faculty Leader Replacement Rider

Conditions of Coverage for Patriot Exchange Insurance
  • Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy.
  • Coverage under this plan is secondary to any other coverage.
  • Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only.
  • Charges must be administered or ordered by a physician.
  • Charges must be incurred during the period of coverage or benefit period.
  • Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

  • Eligibility to buy Patriot Exchange Insurance
    • Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
    • Be at least 31 days old but not yet 65 year old.
    • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
    • Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.

    Patriot Exchange insurance links

    IMG Patriot Exchange insurance - Pre-existing condition coverage

    Pre-existing conditions

    For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1.5K lifetime maximum.

    Plan benefits of Patriot Exchange Insurance

      In-Patient Medical Benefits
    COVID-19 Coverage Patriot Exchange insurance Offers coverage for COVID-19 as any other Illness or Injury.
    Coinsurance In-Network: Plan pays 90%, insured pays 10%
    Out-Network: Plan pays 80%, insured pays 20%
    International: Plan pays 100%, insured pays 0%
    Out of Pocket Maximum In-Network: $1K
    Out-Network: Up to the Maximum Limit
    International: $0
    Eligible medical expenses In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Hospital room and board Average semi-private room rate, including nursing services
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Surgery In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Intensive care unit In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Bedside visit $1.5K maximum limit. Not subject to deductible
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Student Health Center $5 co-pay per visit. Not subject to deductible.
    Mental/Nervous Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
    Physician visits In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Teladoc Consultation Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
    Urgent Care Clinic $50 copay. Copay is not applicable when the $0 deductible is selected.
    Not subject to deductible
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Walk-In Clinic $20 copay. Copay is not applicable when the $0 deductible is selected.
    Not subject to deductible
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Physical Therapy In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Prescription Drugs and Medications Period of Coverage limit: $250K per person
    Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits.Dispensing maximum for Retail Pharmacy: 90 days per prescription
    In-Network: Not Covered
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Emergency local ambulance Company pays 100%
    Hospital emergency room Injury: Not subject to Emergency Room Deductible
    Illness: Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Interfacility ambulance transfer Company pays 100%
    Emergency dental treatment Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum
    In-Network: Not Covered
    Out-Network: 90% up to policy maximum
    International: 100% up to policy maximum
    Traumatic Dental Injury In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Emergency medical evacuation $50K maximum limit
    Emergency reunion $100K maximum limit. Not subject to deductibley
    Repatriation for Medical Treatment $100K maximum limit. Not subject to deductibley
    Return of mortal remains or cremation/burial $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
    Political evacuation and repatriation $10K lifetime maximum
    Terrorism $50K maximum limit. Not subject to deductible
    Lost Personal Property $250 per period of coverage limit
    Pre-Existing Condition After 12 months of continous coverage $500 per period of coverage; $1.5K lifetime maximum.
    Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.
    Accidental death & dismemberment $25K principal sum, Not subject to deductible
    Incidental Emergency in the U.S. Up to a cumulative 14 days (available for non-U.S. residents only)
    In-Network: 90% up to policy maximum
    Out-Network: 80% up to policy maximum
    International: 100% up to policy maximum
    Legal Assistance $500 per period of coverage limit
    Limited High School and College Sports Company pays 100% after deductible is met
    Lost Personal Property $250 per period of cover age limit
    Personal liability $Personal Liability: $2K per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible
    Coinsurance
    In addition to Deductible
    In-Network: Plan pays 90%, insured pays 10%
    Out-Network: Plan pays 80%, insured pays 20%
    International: Plan pays 100%, insured pays 0%
    Out of Pocket Maximum In-Network: $1K
    Out-Network: Up to the Maximum Limit
    International: $0

    IMG's Patriot Exchange vs Student Health Advantage

    An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.

      Read Article  

    A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.

    Compare Now
    Patriot Exchange vs Student Health Advantage Insurance

    Patriot Exchange Insurance - Frequently asked questions

    Patriot Exchange is available for 12 months and it can be renewed for 48 months.

    Patriot Exchange is one of the best health insurance for f1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.

    The "Patriot Exchange" student insurance offered by International Medical Group (IMG) is student travel health insurance designed for international students, scholars, and participants of educational and cultural exchange programs. Patriot exchange insurance provides coverage for medical expenses and other travel-related benefits during the insured person's stay abroad. It is important to check the Patriot Exchange policy documents and coverage details on American Visitor insurance.

    Patriot Exchange insurance coverage includes the following:

    • Medical Expenses: This includes coverage for doctor visits, hospitalization, prescription drugs, and emergency medical treatment due to illness or injury.
    • Medical Evacuation: In the event of a serious medical condition that requires transportation to a better-equipped medical facility, this coverage helps with the cost of medical evacuation to the nearest suitable facility.
    • Repatriation of Remains: If the insured person passes away while abroad, this benefit covers the cost of returning their remains to their home country.
    • Emergency Medical Reunion: This benefit may cover the expenses for a family member or friend to visit the insured person if they are hospitalized for a certain period.
    • Emergency Medical and Travel Assistance: Provides access to a 24/7 helpline for medical advice, travel assistance, and other related services.
    • Accidental Death and Dismemberment (AD&D): Offers a benefit in case of accidental death or loss of limbs or sight due to an accident during the insured period.
    • Personal Liability: Coverage for legal expenses and compensation in case the insured person is held liable for causing injury or damage to a third party.
    • Trip Interruption: Some plans may offer coverage for the reimbursement of non-refundable trip costs in case of the insured person's unexpected early return to their home country.
    • Personal Belongings: Coverage for loss or theft of personal belongings and baggage during the trip.

    Do note that insurance policies and coverage can change over time, so it's essential to review the policy documentation on American Visitor insurance and review the brochure for the most up-to-date information on Patriot Exchange plan coverage.

    The Patriot Exchange insurance plan offered by IMG is designed for individuals involved in educational or cultural exchange programs, including:

    • International Students: Students who are studying abroad or participating in an exchange program in a foreign country. In the US, these typically include the F1 visa.
    • Scholars and Researchers: Individuals engaged in academic research or teaching activities abroad. This is often in the US under the J1 visa.
    • Cultural Exchange Participants: Individuals taking part in cultural exchange programs, such as internships, work-study programs, or language courses.
    • Visiting Faculty and Professors: Academic personnel visiting foreign universities or institutions for short-term teaching or research assignments.
    • Dependents: Spouses and dependent children of the primary insured may also be eligible for coverage under some plans. In the US, this includes the F2 and J2 visa holders.

    To be eligible for Patriot Exchange student travel Insurance, you must:

    • Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant.
    • Reside outside your home country for the purpose of pursuing international educational activities for a temporary period of time.
    • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal.

    Patriot Exchange student Insurance offers a range of benefits, such as:

    • Medical benefits of up to $5M per policy period
    • Deductible options from $0 to $500 per injury or illness.
    • Coinsurance of 100% within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US.
    • Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $2.5K for US citizens under age 65.
    • Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70.
    • Emergency medical evacuation and repatriation of remains benefits.
    • Accidental death and dismemberment benefit.
    • Terrorism coverage.
    • Sports and leisure activities coverage.

    The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:

    • The type of plan chosen (individual or group).
    • The policy maximum chosen (the maximum amount the plan will pay per injury or illness).
    • The deductible chosen (the amount you have to pay before the plan pays).
    • The age and health status of the insured person.
    • The duration and location of your program.

    Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:

    • The plan does not cover any charges or expenses incurred during the first 12 months of coverage for a pre-existing condition that existed within 36 months before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
    • The plan does not cover any charges or expenses incurred for maternity care if conception occurred before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
    • The plan does not cover any charges or expenses incurred for treatment or surgery that is elective, experimental, investigational, or not medically necessary. This applies to all insured persons regardless of age or citizenship.

    Patriot Exchange student medical insurance covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1.5K lifetime maximum. Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.

    Even if the primary F1 or J1 visa holder isn't covered by this insurance plan, the Patriot Exchange student insurance plan is still available to the spouse and any dependent children. The Patriot Exchange insurance plan can be acquired for J2 visa holders if a J1 visa holder wants to purchase it for his J2 spouse or children. As long as the F1 visa holder is not covered by Patriot Exchange's student insurance plan, F2 visa holders are also eligible to purchase it.

    Patriot Exchange Insurance Restrictions

    Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.

    Patriot Exchange Insurance Claims


    CLAIMS EMAIL

    Email: insurance@imglobal.com
    Fax: 317-655-4505


    CLAIMS PHONE

    1.800.628.4664


    MAIL TO

    International Medical Group
    P.O.Box 88500 Indianapolis,
    IN 46208-0500

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