Compare Patriot Exchange Insurance vs Study USA-HealthCare Insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot Exchange Insurance and Study USA Insurance:

• Patriot Exchange Health Insurance - FAQ's
  What is IMG Patriot Exchange Insurance?

  Patriot Exchange is designed for individuals and groups of students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J1, J2 and F1 visa travel insurance requirements.

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  Patriot Exchange Insurance will cover Adventure Sports?

  Yes, The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.

  All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity.

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  What are the coverage limits of Patriot Exchange Insurance?

  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.

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  Do this Patriot Exchange plan cover sports-related illness or injuries?

  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.

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  How long can I renew Patriot Exchange?

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

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  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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  How Does the Affordable Care Act (ACA) Affect My Coverage?

  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.

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  Who is eligible for Patriot Exchange student travel Insurance by IMG?

  To be eligible for Patriot Exchange student travel Insurance, you must:

  • Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant
  • Reside outside your home country for the purpose of pursuing international educational activities for a temporary period of time
  • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal

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  How much does Patriot Exchange Travel Insurance cost?

  The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:

  • The type of plan chosen (individual or group)
  • The policy maximum chosen (the maximum amount the plan will pay per injury or illness)
  • The deductible chosen (the amount you have to pay before the plan pays)
  • The age and health status of the insured person
  • The duration and location of your program

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  How does Patriot Exchange student Insurance cover pre-existing conditions?

  Patriot Exchange student medical insurance covers Pre-existing conditions after 12 months of continuous 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.

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  Are there any waiting periods or exclusions for pre-existing conditions?

  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

• Study USA Health Insurance - FAQ's
  What are the benefits of Study USA insurance?

  Study USA Insurance is an international travel health insurance for people traveling outside their home country and is available to both US and Non US citizens.

  Green Card holders in the USA and new immigrants are not eligible to purchase Study USA insurance. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion, pre-existing conditions and other related benefits.

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  What is the coverage area of Study USA insurance?

  Study USA is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.

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  How much does Study USA insurance cost?

  The cost of the Study USA insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

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  How do I purchase Study USA insurance?

  You can purchase Travel Insure services on American Visitor Insurance at buy You can purchase Travel Insure services on American Visitor Insurance at buy Study USA insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Study USA insurance from licensed insurance agents..

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  How do I get the college waiver form for Study USA?

  After purchasing Study USA insurance, please fill in your portion of the information in the college waiver form and sign it. The form has to be sent to Travel insurance Services either though fax at (610) 537-9851 or through email it to susaforms@travelinsure.com. Travel Insurance Services will complete the form and fax it back to the school within one business day.

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  Can I buy Study USA if I am already outside my home country and studying?

  Yes, you can buy Study USA insurance as long as you satisfy the eligibility requirements.

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  Can the Study USA insurance plan be renewed?

  Yes, the Study USA plan can be renewed up to a period of 4 years as long as the eligibility requirements are satisfied.