Patriot Exchange Student Health Insurance

Patriot Exchange insurance cost

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    Policy maximum
    $50k, $100k, $250k, $500k and $5M

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    Deductible
    $0, $100, $250, $500

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    Comprehensive benefit plan
    Benefits for covered medical expenses go all the way up to the plan maximum

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    Pre-existing condition
    Covered after 6 months of waiting period

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    Renewability
    Plan is renewable up to a maximum of 4 years.

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    PPO Network
    United Healthcare Provider Network

IMG Patriot Exchange Insurance for International Students

Patriot Exchange student insurance, offered by International Medical Group (IMG), is a per-injury/illness plan designed for students in educational and cultural exchange programs abroad. This plan meets US J1 Visa requirements and is suitable for both individuals and groups.

πŸ“Œ Coverage Highlights

  • Policy Maximum Options: $50,000, $100,000, $250,000, $500,000
  • Deductible: $100
  • Repatriation: $25,000
  • Medical Evacuation: $50,000
  • COVID-19 Coverage: Included for students studying outside their home country

πŸŽ“ Eligibility & Intended Audience

This plan is designed for:

  • Individuals & groups in international student programs
  • Cultural exchange participants
  • International graduate students
  • Scholars and educators
  • Dependents (including J2 visa holders)

F1 visa students and their dependents are also eligible to purchase this plan.

Only plan available for J1 visa holders wanting coverage solely for their J2 spouse.

βš–οΈ ACA (Affordable Care Act) Compliance

πŸ’΅ Coinsurance & Co-pays

  • Within the US provider network:
    • Plan pays 90% of the first $10,000
    • Out-of-pocket maximum: $1,000
  • Outside the US network: Plan pays 80%, no cap beyond policy maximum
  • Outside the US: No coinsurance
  • Student Health Center visits: $5 co-pay per visit

βœ… Key Benefits

  • Covers essential requirements for exchange students
  • No maternity coverage
  • Pre-existing conditions covered (3-year lookback period)
  • Renewable up to 48 months
  • Minimum purchase: 1 month
  • Optional Adventure Sports Rider available
  • Includes all essential requirements for international students and exchange visitors
  • Does not provide coverage for maternity
  • Complete the Patriot Exchange insurance application form to ensure you’re covered while studying abroad

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

How Much Does Patriot Exchange Cost Per Month?

The Patriot Exchange insurance cost is ranges from $56 to $85 per month. This is dependent on the factors namely age of the student, the plan maximum and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Students up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000, $5,000,000.

For example here is the cost of patriot exchange for students studying in USA with a deductible of $250.

Age of traveler Medical Maximum $50,000 Medical Maximum $100,000
Under 18 - 24 years $56 $65
25 – 30 years $74 $85
31 – 40 years $74 $85

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.

How Much Does Patriot Exchange Student Insurance Cost Per Month?

The Patriot exchange student program insurance cost is ranges from $56 to $85 per month. This is dependent on the factors namely age of the student, the plan maximum and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Students up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000, $5,000,000.

For example here is the cost of patriot exchange cost per month for students studying outside USA with a deductible of $250.

Age of student Medical Maximum $50,000 Medical Maximum $100,000
Under 18 - 24 years $39 $47
25 – 30 years $47 $53
31 – 40 years $47 $53

IMG Patriot Exchange Insurance, IMG Exchange Protection Plan FAQ

1. How long can I renew Patriot Exchange?

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

2. 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.

3. 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.

4. 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

5. 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
  • The coinsurance is 10% of the first $10,000 with an out of pocket maximum of $1000. Out of network, the coinsurance is 20% with no cap (besides the maximum of the plan; so it’s a straight 80/20 plan).
  • 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

6. 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

7. 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

8. 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.

US Based Underwriter for F1 Visa Student Insurance

Hi,
Looking to buy your Patriot Exchange program.
I am a UK citizen and will be doing my Masters in Ohio, USA and have my F1 visa.

My University's own healthcare plan has stipulated if I take out my own healthcare plan they need to be based in the USA and the underwriters need to be American too. If the Insurance plans are not underwritten within the United States they do not meet waiver requirements. Plans that are not underwritten in the United States are not required to meet mandated benefit and underwriting regulations as set forth by the Affordable Care Act (ACA).


Can you please let me know as soon as you can.
Thanks,
Lisa
Hi Lisa,

The Patriot Exchange program is administered by the International Medical Group, which is based in Indianapolis.

The plan is underwritten and issued by SiriusPoint Specialty Insurance Corporation. SiriusPoint is a global underwriter of insurance and reinsurance providing solutions to clients and brokers around the world. Bermuda-headquartered with offices in New York, London, Stockholm and other locations, they are listed on the New York Stock Exchange (SPNT)

I hope this answers your questions about the Patriot Exchange program.
Thanks,
Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

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