Patriot Exchange Student Health Insurance

Patriot Exchange Insurance Cost

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IMG Patriot exchange insurance for international students

Patriot lite Insurance

Patriot Exchange student insurance is offered by the International Medical Group (IMG) and is designed for students participating in educational and cultural exchange programs abroad. This is a per injury sickness plan and satisfies the US J1 Visa requirements.

This plan has a policy maximum of $50K, $100K, $250K and $500K. The plan has a deductible of $100. Repatriation available for $25K and medical evacuation of $50K for exchange visitor to his or her home country.

IMG Patriot Exchange program offers international student insurance coverage for Covid illness for students studying outside their home country.

This plan is designed for:
  • Individuals and groups participating in student international programs
  • Cultural exchange participants
  • International graduate students
  • Scholars and educators
  • Dependents

Scholars who are coming to the US on an Exchange program on the J1 Visa are eligible to buy this plan. The plan is also available for spouse and dependent children. If a J1 Visa holder wants this plan for his J2 spouse only, then this is the only plan that is available for the J2 visa holders. This plan can be purchased by F1 visa international students and their dependents as well.

This is how the Affordable Care Act affects the Non US students purchasing this plan. As non resident aliens, international students, scholars and people involved in cultural exchange programs on F, J, Q, M Visas are not subject to the individual mandate for the first five years in the US. All other J categories are not subjected to the individual mandate for two years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase the Patriot Exchange program.

The benefits of patriot exchange program include all of the essential requirements but does not provide coverage for maternity. This plan is renewable for up to 48 months and is purchased for a minimum of one month. This Patriot Exchange plan also has an optional 'Adventure Sports rider' benefit.

Pre-existing conditions are covered with a look back period of 3 years. There is a Patriot Group Exchange plan available as well for group of five or more students or participants in cultural exchange program. You can see an example of how Patriot Exchange insurance works.

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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.
Key Highlights of Visitors Care

Unique feature of Patriot Exchange Student insurance

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.

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Patriot Exchange program student medical insurance review

Policy maximum
$50k $100k $250k 500k 5M
Deductible options
$0 $100 $250 $500
Insurance provider
International Medical Group
Patriot Exchange insurance rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Patriot Exchange insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life - 12 months.
Patriot Exchange Insurance can be renewed onlineup to 48 months.

IMG Patriot Exchange Insurance, IMG exchange protection plan - FAQ

01. How long can I renew Patriot Exchange?

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

02. Can F2 visa holder buy Patriot Exchange insurance?

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.

03. Unique feature of Patriot Exchange Student insurance

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.

04. Who is eligible for Patriot Exchange student travel Insurance by IMG?

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

05. What are the benefits of Patriot Exchange student travel Insurance?

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

06. How much does Patriot Exchange Travel Insurance cost?

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

07. Are there any waiting periods or exclusions for pre-existing conditions?

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

08. How does Patriot Exchange student Insurance cover pre-existing conditions?

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.

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Steps to compare and buy
Best International student insurance

 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

 2: Compare the different medical insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the student health insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the students medical insurance plan documents received by email

Review the visitors insurance plan documents received by email
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step student travel insurance

Factors to buy best travel medical insurance USA

Age of the traveler

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.


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