Are you traveling as a Group?
Get a 5% group discount on IMG Patriot Exchange students travel medical insurance.
Get a 5% group discount on IMG Patriot Exchange students travel medical insurance.
Best J-visa compliant international student health insurance ideal for students studying abroad and participants in cultural exchange programs. Starting at just $2 /day*
Patriot Exchange Insurance is a IMG’s best health insurance for international students in USA which is designed for F-1 students and J-visa exchange visitors, offering essential medical coverage for everyday and unexpected healthcare needs. The plan covers services such as doctor visits, hospitalization, emergency medical evacuation, and more, and meets U.S. Department of State J-visa insurance requirements.
In the United States, the plan pays 90% of eligible expenses in-network and 80% in-network / 20% coinsurance out-of-network. Outside the U.S., there is no coinsurance, helping reduce out-of-pocket costs while studying or participating in exchange programs abroad.
Coverage is available for 1 to 12 months, with the option to renew up to a maximum of 48 months. Students also benefit from a $5 Student Health Center copay, 24/7 telehealth access, and coverage for pre-existing conditions after 12 months of continuous coverage.
After a 12-month waiting period, eligible charges related to pre-existing conditions that existed within 36 months prior to the policy effective date may be covered up to $500 per coverage period, with a lifetime maximum of $1,500. In addition, the plan provides coverage of up to $5,000 for a sudden and unexpected recurrence of a pre-existing condition.
*The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 24-year-old traveler.
The policy maximum is the total dollar amount of benefits available under the Patriot Exchange Student Insurance plan. Once this maximum limit is reached, no further benefits will be paid for the duration of the policy period.
Patriot Exchange Student Insurance offers flexible policy maximum options, allowing international students and exchange visitors to choose their own maximum medical coverage amount based on their study duration, visa requirements, and healthcare needs.
This IMG student health insurance plan for F-1 and J-visa holders lets you select the total dollar limit of benefits available under your policy, also known as the policy maximum. Once this maximum coverage limit is reached, no additional eligible medical expenses will be paid during the policy period.
Patriot Exchange is one of the most affordable J-visa compliant student insurance plans, offering higher coverage options to help protect students from the high cost of healthcare in the United States.
Students can choose from the following maximum coverage options:
Choosing the right policy maximum depends on your visa type, length of stay, health needs, and university or sponsor requirements.
The deductible is the amount the insured must pay before Patriot Exchange insurance starts to cover expenses.
Patriot Exchange insurance has deductible options of : $0, $100, $250, or $500.
A deductible is the amount you pay out of pocket before your Patriot Exchange Student Insurance begins covering eligible medical expenses. Choosing the right deductible helps balance premium cost and out-of-pocket spending.
Coinsurance is the percentage of eligible medical expenses that the insurance company pays after the deductible is met. The remaining portion is paid by the insured student.
Under IMG Patriot Exchange Program Insurance, coinsurance varies depending on whether medical care is received inside or outside the PPO network.
This student medical insurance coinsurance structure encourages using in-network providers to reduce out-of-pocket costs and helps control medical expenses for F-1 and J-visa international students.
Patriot Exchange Insurance includes a convenient annual payment option, making it suitable for international students and cultural exchange participants who prefer to pay their insurance premium in full rather than through monthly payments. Paying annually helps eliminate recurring charges, makes financial planning easier, and provides instant proof of coverage to satisfy school, sponsor, or visa insurance requirements.
For exchange visitors who cannot complete an online purchase, Patriot Exchange Insurance offers a paper application option. This is an ideal solution for applicants who do not have access to international credit cards, online banking, or U.S.-based payment methods. With the offline paper application, applicants can enroll without making an online payment, submit required documents manually, and complete the application process through authorized representatives or program sponsors.
Thanks to its annual payment flexibility and offline application availability, Patriot Exchange Insurance remains a popular choice for J-1 and J-2 exchange visitors, students applying from outside the United States, and those seeking a simple, non-digital way to purchase exchange visitor medical insurance.
Patriot Exchange Insurance is a J-visa compliant and F-visa student health insurance plan designed for international students, study abroad participants, and cultural exchange visitors. It offers affordable, reliable medical coverage with benefits tailored to student needs.
Key Benefits :The Patriot Exchange Program insurance offers affordable, J-visa and F-visa compliant student medical coverage, with monthly premiums starting at just is starting at just $56 to $85 and The cost of health insurance for international students in USA depends on several factors:
Selecting the right combination of coverage limit and deductible helps students balance affordability with adequate medical protection for their study abroad or cultural exchange program in the U.S.
Example: Below is the monthly cost of Patriot Exchange Program insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Eligible medical expenses help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Hospital room and board help | 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 help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Intensive care unit help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Bedside visit help | $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 help | $5 co-pay per visit. Not subject to deductible. |
| Dental Treatment help |
|
| Traumatic Dental Injury help |
|
| Mental/Nervous help | 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 |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster help | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation help | Up to the maximum limit |
| Return of mortal remains or cremation/burial help | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20,000 maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Political Evacuation & Repatriation help |
|
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
| Physician visits help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Teladoc Consultation help | Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only) |
| Urgent Care Clinic help | $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 help | $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 help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Prescription Drugs and Medications help | 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 |
| Mental/Nervous help | Inpatient Mental or Nervous / Substance Abuse
|
Outpatient Mental or Nervous / Substance Abuse
|
| Pre-Existing Condition 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 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. |
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 is available for individuals up to 65 years of age.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any illness or injury sustained while participating in adventure activities. The covered adventure sports include: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
Groups may purchase the Chaperone/Faculty Leader Replacement Rider or added travel protection.
This rider provides reimbursement of up to $3,000 for a round-trip economy airline ticket for a replacement Chaperone or Faculty Leader if the originally designated individual is unable to travel due to:
Note: This rider is only available with group plans.
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
The Patriot Exchange Student Insurance PPO Network refers to the network of healthcare providers in the U.S. that students can visit for medical care under their plan. Using in-network providers can maximize benefits and minimize out-of-pocket costs.
The PPO Network for Patriot Exchange Insurance includes:
Using providers within the PPO Network ensures higher coinsurance coverage (typically 90% in-network) and reduces the student’s share of costs compared to out-of-network care.
You can easily buy Patriot Exchange Student Insurance online through American Visitor Insurance, a trusted provider of J-visa and F-visa compliant student medical insurance for international students and exchange visitors.
Buying Patriot Exchange Student Insurance through American Visitor Insurance ensures a smooth, reliable process and access to trusted coverage for your study abroad or exchange program.
Patriot Exchange Insurance is a medical insurance plan for students and cultural exchange participants. It has different coverage limits depending on the plan option you choose. The policy maximum choices are $50K, $100K, $250K, or $500K per injury/sickness. This plan offers Coinsurance 90% up to $10K, then 100% up to the policy maximum within the PPO network. Outside the PPO network, the plan pays 80% up to the policy maximum. Outside the U.S., the plan covers 100% up to the policy maximum.
IMG Patriot Exchange plan include customization options and add-ons, including add-on coverage for high school sports ;interscholastic, intramural, or club sports, personal liability and legal assistance.
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.
Eligible insured can request coverage under the plan be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.
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.
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.
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. On receiving the completed Patriot Exchange insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.
Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
To file a claim with Patriot Exchange Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
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).
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
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