Quotes for Patriot Exchange Student insurance

IMG travel insurance coverage for Coronavirus (Covid 19)

Patriot Exchange Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.
Patriot Exchange Insurance
Insurance provider
International Medical Group
Plan life
12 months
Patriot Exchange Insurance can be renewed online up to 48 months.
Deductible options?
$0, $100, $250 or $500 per illness or injury available
Policy maximum?
Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.
Patriot Exchange insurance rating
AM Best Rating: "A" (Excellent)
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Compare Patriot student insurance plans
Patriot Exchange student insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Exchange Links

  • Brochure
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network
  • Group Quotes

Patriot Exchange Insurance, Comprehensive International student insurance

IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars. Patriot Exchange insurance is ideal for organizations that focus on international educational or cultural exchange programs. This Insurance offers coverage for pre-existing conditions. This plan is very popular among the J1 and F1 Visa holders. Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements and is popular with students from China and India. J2 and F2 holders can also buy this plan without J1 and F1 being on the plan.

IMG's Patriot Exchange vs Student Health Advantage

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
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Patriot Exchange vs Student Health Advantage Insurance

International Medical group Patriot Exchange 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.
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Patriot Exchange insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • Adventure Sports rider
  • Loss Personal Property: $250 per period of coverage limit
  • Legal Assistance: $500 per period of coverage limit
  • Personal Liability - Injury to third party: $2,000 per period of coverage limit after $100 deductible
  • Personal Liability - Damgae to third party's property: $500 per period of coverage limit after $100 deductible
  • Limited high scholl and college sports: Company pays 100% after deductible is met
Patriot Exchange insurance coinsurance?

Company pays 100%


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Acute onset of pre-existing condition coverage?
Pre-existing conditions: For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.

Sudden recurrence of pre-existing conditions (for US citizens)

Medical - Up to $5,000 of the eligible expenses;
Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses

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Plan benefits of Patriot Exchange insurance

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services
Intensive care unit Company pays 100% after deductible is met
Physical therapy Company pays 100% after deductible is met; one visit per day(Medical order or treatment plan required)
Bedside Visit $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Physician visit Company pays 100% after deductible is met; one visit per day
Student health center $5 co-pay per visit (Not subject to deductible)
Prescription drugs Company pays 100% after deductible is met
90 day dispensing maximum
Urgent care $50 copay. Not subject to deductible.
Copay is not applicable if you choose a $0 deductible
walk-in clinic $20 copay. Not subject to deductible.
Copay is not applicable if you choose a $0 deductible
Eligible medical expenses Company pays 100% after deductible is met
Emergency room visit with in-patient admission Company pays 100% after deductible is met
Emergency room visit without in-patient admission Additional $250 deductible
Interfacility ambulance transfer(for services rendered in the U.S.) Company pays 100%. Transfer must be a result of an inpatient hospital admission not subject to deductible
Dental Injury due to covered accident - $500 maximum
Sudden & unexpected pain to natural teeth - $350 maximum
Mental or nervous/Substance abuse Not covered if incurred in student health center
Inpatient: $10,000 maximum limit
Outpatient: $50 maximum limit per day.$500 maximum limit
Emergency medical evacuation $50,000 lifetime maximum
Emergency reunion $15,000 lifetime maximum
Return of mortal remains or cremation/burial $25,000 maximum for return of mortal remains or $5,000 for cremation/burial
Political evacuation $10,000 lifetime maximum
Accidental death & dismemberment $25,000 principal sum, Not subject to deductible
Terrorism $50,000 maximum limit, Not subject to deductible
Incidental trip coverage Up to a cumulative 14 days

How long can I renew Patriot Exchange?

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

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.

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