Patriot Exchange student health insurance plan

IMG Covid19 travel insurance by Patriot Exchange Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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.

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

The Patriot Exchange student insurance plan is available for spouse and dependent children even if the primary F1 or J1 visa holder is not on this insurance plan. If a J1 Visa holder wants to buy this plan for his J2 spouse or children, then Patriot Exchange insurance plan can be purchased for the J2 visa holders. The same is true for F2 visa holders as they can buy Patriot Exchange student insurance even if the F1 visa holder is not on the Patriot exchange student insurance plan.

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 $2,500 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
• Identity theft assistance

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; $1,500 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.