Student group travel insurance, student travel insurance for group travel, IMG Patriot student group insurance

Patriot Exchange Group Insurance

Patriot Exchange Group Insurance is a comprehensive travel medical insurance plan for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more students. Most of the plan options are designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange. The individual and group (two or more primary insured’s) plans provide coverage for dependents and may be purchased in monthly increments. The plan also covers acute onset of pre-existing conditions, but they are only covered prior to age 70. Plan options are designed to meet the US J1 and J2 visa travel insurance requirements.

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Key Benefits of Patriot Exchange Group Insurance

Pre-existing conditions

Group medical coverage

Emergency medical evacuation

Urgent Care

Student Health Center

Sports Coverage

Patriot Group Exchange Insurance Reviews

Coverage	Description
Take a quote & purchase for Individual	Patriot exchange insurance page
Insurance provider	International Medical Group (IMG)
Patriot Exchange insurance underwriter	Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Insurance rating	AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Plan life	12 months. Patriot America Plus Insurance can be renewed online up to 48 months.
Eligibility	Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
Policy maximum	$50k, $100k, $250k, $500k, 5M
Deductible options	$0, $100, $250, $500.
Coinsurance	In Network: The plan pays 100% Out of Network: The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit.
Pre-Existing Conditions	After 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
Optional Riders	Provide additional coverage for a minimal charge. Click here to read more »
Compare Patriot travel plans	Compare Patriot exchange vs Student health advantage insurance plans

Patriot Exchange insurance for students – Links

Brochure
Benefits
Reviews
Claims
Advantages
Disadvantages
Group insurance
Optional Riders
Patriot Exchange Optional Riders Links
View Patriot Exchange insurance Optional Riders:

Adventure Sports Rider

Add on rider

Chaperone/Faculty Leader Replacement Rider
Comprehensive
Comprehensive Plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Application
Description documents
Patriot Exchange Description Links
View Patriot Exchange insurance description documents for different coverages:

Worldwide coverage

Worldwide excluding the United States

Patriot Exchange Group student 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.

Patriot Exchange international student insurance plan summary

What is the eligibility to buy Patriot Exchange Insurance?

Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
Be at least 31 days old but not yet 65 year old.
Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.

Conditions of Coverage for Patriot Exchange Insurance

Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
Coverage under this plan is secondary to any other coverage
Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
Charges must be administered or ordered by a physician
Charges must be incurred during the period of coverage or benefit period
Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Patriot Exchange Group insurance optional riders

Adventure Sports Rider
Chaperone/Faculty Leader Replacement Rider
Add on Rider with and without collision

Click here to read more

Patriot Exchange - PPO network

Patriot Exchange - Provider network and how to find hospital or doctor?

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Get quotes for Patriot Group Exchange Insurance!

Review and compare the best Patriot Exchange visitor medical insurance quotes.

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Patriot Group Exchange insurance Benefits

Eligible medical expenses	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Hospital room and board	Average semi-private room rate, including nursing services In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Surgery	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Intensive care unit	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Bedside visit	$1,500 maximum limit. Not subject to deductible In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Student Health Center	$5 co-pay per visit. Not subject to deductible.
Mental/Nervous	Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Teladoc Consultation	Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Urgent Care Clinic	$50 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Walk-In Clinic	$20 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Physical Therapy	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Prescription Drugs and Medications	Period of Coverage limit: $250K per person Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits.Dispensing maximum for Retail Pharmacy: 90 days per prescription In-Network: Not Covered Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Emergency local ambulance	Company pays 100%
Hospital emergency room	Injury: Not subject to Emergency Room Deductible Illness: Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission. In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Interfacility ambulance transfer	Company pays 100%

Emergency dental treatment	Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum In-Network: Not Covered Out-Network: 90% up to policy maximum International: 100% up to policy maximum
Traumatic Dental Injury	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Emergency medical evacuation	$50K maximum limit
Emergency reunion	$15K maximum limit. Not subject to deductibley
Repatriation for Medical Treatment	$100K maximum limit. Not subject to deductibley
Return of mortal remains or cremation/burial	$25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
Political evacuation and repatriation	$10K lifetime maximum

Terrorism $50K maximum limit. Not subject to deductible

Lost Personal Property $250 per period of coverage limit

Pre-Existing Condition	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 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.

Accidental death & dismemberment	$25K principal sum, Not subject to deductible
Incidental Emergency in the U.S.	Up to a cumulative 14 days (available for non-U.S. residents only) In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Legal Assistance	$500 per period of coverage limit
Limited High School and College Sports	Company pays 100% after deductible is met
Lost Personal Property	$250 per period of cover age limit
Personal liability	$Personal Liability: $2K per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible

Patriot Exchange Group Insurance Optional Riders for Students

The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Available for those up to the age of 65 years.
Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.

Age	Maximum limit
0-49 years	$50,000 Maximum Limit per Injury or Illness
50-59 years	$30,000 Maximum Limit per Injury or Illness
60-64 years	$15,000 Maximum Limit per Injury or Illness

Adventure Sports Rider - More Details

Available for groups only

All Insured Persons who have elected the Chaperone / Faculty Leader Replacement Rider will be entitled to the benefits listed below.Chaperone / Faculty Leader Replacement (for groups only): $3K lifetime maximum

Chaperone Replacement Rider - More Details

Available an individual and groups

For students looking at more protection IMG Patriot Exchange insurance now offer our Add-on Rider, covering personal liability,lost personal property, legal assistance up to $500 per period of coverage, and limited High School and College sports, which is available with and without Collision Sports coverage.

Add on Rider Collision - More Details

Add on Rider Non Collision - More Details

IMG Patriot Exchange health insurance program

Administered by IMG Patriot Group Exchange plan is designed for groups of students studying abroad or participants of a group cultural exchange program. This plan may be purchased in monthly increments and can include coverage for the students or participants, their spouses and unmarried dependent children travelling with them. This Insurance offers Coverage for pre-existing conditions. Patriot Group Exchange satisfies J Visa (exchange student visa) insurance requirements and is popular as student travel insurance for groups from China and Europe.

Ideal Plan for these groups:

Students taking part in international programs.
Participants in cultural exchange programs.
International graduate students and researchers.
Scholars and Researchers.
Dependents, Spouse or child.
Students or participants of five or more in number.

Patriot Group Exchange Insurance Restrictions

Patriot Group Exchange Travel Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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IMG Patriot Group Exchange Insurance - FAQ's

Patriot Exchange Group Insurance include coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, and travel delays. The plan also covers acute onset of pre-existing conditions, but they are only covered prior to age 70.

To be eligible to apply for Patriot Exchange Group Insurance, you must be a participant in an educational or cultural exchange program abroad, the spouse or dependent of a participant and reside outside his/her home country for a temporary period, hold a J, M, F, or A Visa, be at least 31 days old and not yet 65 years old.

Patriot Exchange Group Insurance is extendable for up to 48 months if initially purchased for a minimum of one month or more.

Patriot Exchange Group Insurance plan typically does not include coverage for maternity expenses as a standard benefit. These types of travel and student insurance plans are primarily designed to provide coverage for emergency medical situations, accidents, and illnesses that may occur during international travel or while studying abroad.

The cost of Patriot Exchange Group Insurance is dependent on several factors, including the age of the traveler, the length of insurance coverage, the plan limit, 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.

You can purchase Patriot Exchange Group Insurance after arriving in the USA. However, the plan must be purchased within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the plan within a 6 month time period after arriving in the USA.

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.