Can F2 visa holder buy Patriot Exchange insurance?

Yes, Patriot Exchange is one of the best health insurance plans for F1 student dependents, including F2 visa holders. The F2 visa holder can buy the plan even if the corresponding F1 visa holder is not enrolled in the same policy.

Which insurance company is best for Student Travel insurance?

IMG offers two excellent student travel insurance plans: Patriot Exchange and Student Health Advantage. Patriot Exchange is ideal for short-term trips with coverage up to $500,000, while Student Health Advantage is better for longer-term stays, offering coverage up to $1,000,000 and more comprehensive benefits.

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Patriot Exchange vs Student Health Advantage

IMG Student Health Advantage vs Patriot Exchange insurance review

Patriot Exchange vs Student Health Advantage insurance comparison

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Compare Student Plans Patriot Exchange Program vs Student Health Advantage	Patriot Exchange Program Plan Maximum Deductible $54.00 Buy Now for 1 Month 0 Day	Student Health Advantage Standard Plan Maximum Deductible $68.00 Buy Now for 1 Month 0 Day	Student Health Advantage Platinum Plan Maximum Deductible $207.00 Buy Now for 1 Month 0 Day
Coinsurance help	Inside US: In-Network: Plan pays 90%; Insured pays 10% Out-of-Network: Plan pays 80%; Insured pays 20% Ouside US: No Coinsurance	Inside US: In-Network: Plan pays 90%; Insured pays 10% Out-of-Network: Plan pays 80%; Insured pays 20% Ouside US: Plan pays 100% up to the policy maximum after the deductible	Inside US: In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum Out of Network - The plan pays 80% up to the policy maximum. Ouside US: Plan pays 100% up to the policy maximum after the deductible
Period of Coveragehelp	1 month up to 12 months	1 month up to 12 months	1 month up to 12 months
Renewability help	Up to 48 months	Up to 60 months	Up to 60 months
Medical Benefits
Hospital room and board help	Average semi-private room rate, including nursing services.	Average semi-private room rate, including nursing services	Average semi-private room rate, including nursing services
Intensive care unit help	In-Network - 90% up to policy maximum Out-Network- 80% up to policy maximum International- 100% up to policy maximum	In-Network - 90% up to policy maximum Out-Network- 80% up to policy maximum International- 100% up to policy maximum	In-Network - 90% up to policy maximum Out-Network- 80% up to policy maximum International- 100% up to policy maximum
Urgent Care Clinic help	$50 copay. Copayment is not applicable if the Declaration states a $0 Deductible. Not subject to deductible	Not Available	Not Available
Emergency Services
Emergency local ambulance help	Subject to Deductible Injury Illness resulting in a Hospitalization admission In-Network: 100% Out-of-Network: 100% International: 100%	Period of Coverage Limit per Injury $350 Period of Coverage Limit per Illness $350 (resulting in an Inpatient	Period of Coverage Limit per Injury $750 Period of Coverage Limit per Illness $750 (resulting in an Inpatient
Hospital emergency room help	Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.	Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.	Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
Dental
Emergency dental treatment help	Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth) Period of Coverage Limit per Injury: $500 (Non-emergency Treatment at a Dental Provider due to an Accident)	Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth) Period of Coverage Limit per Injury: $500 (Non-emergency Treatment at a Dental Provider due to an Accident	Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth)
Pre-existing condition
Pre-existing conditions help	After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.	Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.	Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded until the Insured Person has maintained 6 months of continuous coverage under this insurance.
Life
AD&D help	Principal Sum Maximum: $25,000 Death must occur within 90 days of the Accident	$25,000 principal sum, Not subject to deductible	$25,000 principal sum, Not subject to deductible
Evacuation
Emergency medical evacuation help	Up to $50,000 lifetime maximum	Up to $500,000 lifetime maximum	Up to $500,000 lifetime maximum
Emergency reunion help	$15,000 maximum limit. Not subject to deductible	$50,000 lifetime maximum	$50,000 lifetime maximum
Return of mortal remains or cremation/burial help	$25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial	$50,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial	$50,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Political evacuation and repatriation help	$10,000 lifetime maximum	$10,000 lifetime maximum	$10,000 lifetime maximum
Terrorism help	$50,000 maximum limit. Not subject to deductible	Not Covered	Not subject to Deductible and Coinsurance Maximum Limit: $50,000
Unique Advantages	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). The student can buy this plan with a sports rider to cover activities such as downhill skiing.	The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent. Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.	The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent. Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
Travel Insurance
Underwriter	SiriusPoint Specialty Insurance Corporation	SiriusPoint Specialty Insurance Corporation	SiriusPoint Specialty Insurance Corporation
Rating	AM Best Rating: "A-" (Excellent) and A- by Standard & poor's	"A-" (Excellent) and A- by Standard & poor's	AM Best Rating: "A" (Excellent)
Brochure and Details	» Patriot Exchange Student Insurance Brochure » Patriot Exchange Student Insurance Details » Patriot Exchange Student Insurance Reviews	» Student Health Advantage Standard Insurance Brochure » Student Health Advantage Standard Insurance Details » Student Health Advantage Standard Insurance Reviews	» Student Health Advantage Platinum Insurance Brochure » Student Health Advantage Platinum Insurance Details » Student Health Advantage Platinum Insurance Reviews

IMG Student Health Advantage vs Patriot Exchange Program Insurance

Patriot Exchange Insurance Insurance is a plan from IMG (International Medical Group), which is designed for international students and scholars coming to the US. International students coming to the US on F1 visa can buy F1 Student visa insurance, while research scholars, professors and exchange visitors coming on the J1 Visa can buy J1 Visa Insurance.

J1 Visa holders also come to participate in programs that promote cultural exchange and to get medical and business training in the US. J1 visa holders are required by the US immigration authorities to have J visa insurance. International students on the F1 Visa enrolled in a US University are often required to have a health insurance plan according to University rules.

Student Health Advantage

Designed for F1 Visa students
Offers $5 co-pay at Student Health Center
In-network: 90% coverage up to $10,000
Out-of-network: 80% with no cap (until policy max)
No coinsurance outside the US

Brochure Buy now

Patriot Exchange

Designed for F1 and J1 Visa holders
Same $5 co-pay at Student Health Center
In-network: 90% coverage up to $10,000
Out-of-network: 80% with no cap (until policy max)
No coinsurance outside the US

Brochure Buy now

These student insurance plans must satisfy the specific rules and requirements set by the University. Some Universities recommend their own health plans, while others allow students to purchase private insurance as long as it meets certain criteria.

Which is the best health insurance for international students in USA?

Patriot Exchange ^IMG

Ideal for : F1 & J1 students visa holders, Medical Coverage
Pre-existing condition: Covered after 6 months of waiting period
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Direct Billing: First healthcare network or United HealthCare
Renewal: Can be renewed and extended up to 24 months.
Patriot Exchange Program insurance cost for a 20 years old student starts from $56 per month ($675 per year). An annual payment option is available to students.

Policy maximum^?
$50,000, $100,000, $250,000, $500,000, 50,00,000
Deductible options^?
$0, $100, $250, $500
Period of coverage^?
1 month up to 12 months

Student Health Advantage ^IMG

Ideal for : F1 & J1 students visa holders, holdersMaternity
Pre-existing condition: Covers after 12 months of waiting period
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Direct Billing: First healthcare network or United HealthCare
Renewal: Can be renewed and extended up to 60 months.
Student Health Advantage Platinum insurance cost for a 20 years old student starts from 118 per month ($1,416 per year), both monthly and annual payment options are available. Offers high policy maximum and good coverage for various medical emergencies.

Policy maximum^?
$500,000
Deductible options^?
$250
Period of coverage^?
1 month up to 12 months

How much does IMG Student Insurance cost?

The IMG International student insurance cost ranges from $56 to $353 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.

FEATURES & BENEFITS	Patriot Exchange	Student Health Advantage Standard	Student Health Advantage Platinum
Cost*	$56	$118	$353
Overall Maximum	$50,000	$500,000	$1,000,000
Pre-existing Condition	Covered after 12 months	Covered after 12 months	Covered after 6 months
Emergency local ambulance	Up to the maximum limit	Up to $350	Up to $350
Sports Coverage	Adventure Sports rider option available	Covers intercollegiate, interscholastic activities	Covers intercollegiate, interscholastic activities

*The cost of IMG Student insurance per month for an international student aged 20 years

What Does International Student Insurance Cover?

local_hospital

Health Care Expenses

Covers doctor visits in case of sudden injury or sickness.

sports_soccer

Sports Activities

Some plans cover high school sports activities.

local_hospital

Repat of Remains

Repatriation of remains expenses to home country in case of death.

dentistry

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

pregnancy

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

cardiology

Pre-existing Conditions

Student insurance who need coverage for existing medical ailments.

International Student Health Insurance Reviews

“ After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan. ”

Anirudh

“ Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much! ”

Amanda

🎓 IMG student Insurance for International Students

IMG Patriot Exchange program

Plan details | Brochure | Buy online

Coinsurance: In PPO Network: 90% of first $1,000, 100% then up to the max limit, Out of PPO Network: 80% up to policy maximum.
Hospitals/Doctors: Direct billing though United Healthcare network and First healthcare network
Pre-existing condition: Covers after 12 months of waiting period
Add on benefits: Adventure sports, College sports, device protection.
Payment option: Annual Payment options available.
Renewal: Can be renewed and extended up to 24 months.
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Student health Centre: $5 per visit
Paper application: Patriot Exchange Insurance paper application

 Policy maximum??
$50,000, $100,000,

 Deductible options??
$0, $100, $250, $500

 Period of coverage??
1 month up to 12 months

Student Health Advantage Standard Insurance

Plan details | Brochure | Buy online

Coinsurance: In PPO Network: 90% of first $1,000, 100% then up to the max limit, Out of PPO Network: 80% up to policy maximum.
Hospitals/Doctors: Direct billing though United Healthcare network and First healthcare network
Pre-existing condition: Covers after 12 months of waiting period
Add on benefits: Adventure sports, College sports, device protection.
Payment option: Monthly or Annual Payment options available.
Renewal: Can be renewed and extended up to 60 months
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Student health Centre: $5 per visit

 Policy maximum??
For student: $500,000 Dependent- $100,000

 Deductible options??
$250

 Period of coverage??
1 month up to 12 months

Student Health Advantage Platinum Insurance

Plan details | Brochure | Buy online

Coinsurance: In PPO Network: 90% of first $1,000, 100% then up to the max limit, Out of PPO Network: 80% up to policy maximum
Hospitals/Doctors: Direct billing though United Healthcare network and First healthcare network
Maternity: Covers up to $5,000
Pre-existing condition: Covers after 6 months of waiting period
Add on benefits: Adventure sports, College sports, device protection.
Payment option: Monthly or Annual Payment options available.
Renewal: Can be renewed and extended up to 60 months
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Student health Centre: $5 per visit

 Policy maximum??
For student: $1,000,000
Dependent- $100,000

 Deductible options??
$250

 Period of coverage??
1 month up to 12 months

What is the best 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)

Patriot Exchange Insurance

Plan Details Buy Now

I hope this answers your questions about the Patriot Exchange program.

Thanks,
Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

❓International Medical Group Travel Insurance - FAQ’s

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

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

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

For Student Travel insurance, IMG's Patriot Exchange and Student Health Advantage are two great options :

Patriot Exchange is ideal for short-term trips, offering affordable coverage with limits up to $500,000.
Student Health Advantage is better for longer-term stays, providing higher coverage limits (up to $1,000,000) and more comprehensive benefits.