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Patriot Group Exchange Insurance

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Patriot Group Exchange Insurance Reviews, Patriot exchange program review

Patriot Group Exchange Insurance
Insurance Provider
International Medical Group
Plan Life
May be renewed up to 48 months.
Policy Maximum?
$5,000,000
Deductible Options?
$100 per each injury or sickness.
Patriot Group Exchange insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Group Exchange Links

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Patriot Group Exchange Insurance, 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 Exchange insurance offers coverage for Covid19 illness.
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International Medical group’s Patriot Group Exchange plan summary



Eligibility
  • Available to groups of 5 or more students or participants.
  • This plan is open to all students who are pursuing academic activities outside of their home country and their dependent.
  • The plan is also open to F2 and J2 Visa holders when the F1 or J1 visa holder has been given coverage by the University or Institute.
Plan Options
  • Policy Maximum?: Standard Plan Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.
  • Deductible?: $100 per each injury or sickness.
  • Coinsurance?: No coinsurance.
  • Treatment Period?: 60 days per chronic illness.
  • Optional Add on Plan:
    • Loss of personal property: $250 maximum.
    • Legal Assistance: $500 maximum.
    • Personal Liability
      • Injury to third party: $2000 limit after $100 deductible.
      • Damage to third person property: $500 maximum after $100 deductible.
    • High School Sports: Usual, Reasonable and Customary charges

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; $50,000 lifetime maximum.
  • Sudden recurrence of pre-existing conditions (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 Group insurance

In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Exchange group insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Eligible medical expenses? Up to the maximum limit
Hospital room and board? Average semi-private room rate, including nursing services
Surgery? Up to the maximum limit
Intensive care unit? Up to the overall maximum limit.
Bedside visit? $1,500 maximum limit. Not subject to deductible
Student Health Center? $5 co-pay per visit. Not subject to deductible.
Mental/Nervous? Not covered if incurred in student health center; Inpatient: $10,000 maximum limit; Outpatient: $50 maximum limit per day.$500 maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits? Company pays 100% after deductible is met; one visit per day
Urgent Care Clinic? $50 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-In Clinic? $20 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy? Company pays 100% after deductible is met, one visit per day
Prescription Drugs and Medications? Company pays 100% after deductible is met 90 day dispensing maximum Period of Coverage limit: $250,000 per person
Teladoc Consultation? Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Emergency local ambulance? Up to the maximum limit. Subject to deductible and coinsurance
Hospital emergency room? Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer? Company pays 100%
Emergency dental treatment? Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum
Emergency medical evacuation? $50,000 maximum limit
Emergency reunion? $100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial? $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Political evacuation and repatriation? $10,000 lifetime maximum
Terrorism? $50,000 maximum limit. Not subject to deductible
Lost Personal Property? $250 per period of coverage limit
Sudden and Unexpected Recurrence of a Pre-Existing Condition? Medical - Up to $5,000 of the eligible expenses; Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses
Pre-Existing condition For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.
Accidental death & dismemberment? $25,000 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)
Legal Assistance? $500 per period of coverage limit
Limited High School and College Sports Company pays 100% after deductible is met
Personal liability? $Personal Liability: $2,000 per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible

IMG Patriot Group Exchange Insurance - Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

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.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

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

What does IMG insurance stand for?

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.

Is IMG a good travel insurance company?

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

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special-coveragePatriot 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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