Patriot Exchange student health insurance plan

There are many international students in the US either without proper US student medical insurance, or with F1 student health insurance that does not cover Covid19. At American Visitor Insurance, we are committed to getting you the best Covid19 international student health insurance in USA for Coronavirus coverage. Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance. However recent changes by the US government has removed this requirement and international students can buy affordable health insurance for international students studying in the USA offered here without violating any US government requirements. There are few Covid19 international student health insurance USA plans:

International Medical Group Covid19 health insurance plans for international students in the US:

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans that offer coverage for medical expenses from coronavirus are
International students can compare student insurance plans to most appropriate plan that suits their specific needs. There are some F1 visa students still stranded in the USA or on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs. Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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Patriot exchange student insurance

IMG Patriot Exchange insurance for international students

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 $50,000, $100,000, $250,000 and $500,000. The plan has a deductible of $100. Repatriation available for $25,000 and medical evacuation of $50,000 for exchange visitor to his or her home country.
Patriot Exchange Insurance 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 this plan 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.

Patriot Exchange Insurance - Key Highlights

  • Covers Covid19 illness.
  • 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.

IMG Patriot Exchange Insurance - Frequently asked questions

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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 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.

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