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Patriot Group Exchange Insurance

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Patriot Group Exchange Insurance Reviews, Patriot exchange program review

Patriot America Lite Insurance
Insurance provider
International Medical Group
Policy maximum
$5,000,000
Deductible options
$0, $100, $250 or $500 per illness or injury available.
Plan life
May be renewed up to 48 months.
Patriot Group Exchange insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation.
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Patriot Group Exchange Links

  • Brochures
  • Comprehensive
  • Benefits
  • ID Card
  • Claims
  • Provider Network
  • Renewal
  • Online Fulfillment Kit
  •  Optional Riders
  •  Description documents

IMG Patriot exchange health insurance program

Administered by IMGPatriot 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 Patriot Group Exchange plan summary

EligibiltyEligibility to buy Patriot Group Exchange insurance
  • 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.
RenewalPre-existing conditions
  • After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.
optionsPlan 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?: $0, $100, $250 or $500 per illness or injury available.
  • 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

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Patriot Group Exchange insurance Benefits

In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Coinsurance In-Network: Plan pays 90%, insured pays 10%
Out-Network: Plan pays 80%, insured pays 20%
International: Plan pays 100%, insured pays 0%
Out of Pocket Maximum In-Network: $1,000
Out-Network: Up to the Maximum Limit
International: $0
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: $10,000 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: $250,000 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
b>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 $50,000 maximum limit
Emergency reunion $100,000 maximum limit. Not subject to deductibley
Repatriation for Medical Treatment $100,000 maximum limit. Not subject to deductibley
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
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 $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)
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: $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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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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