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Covid 19 IMG travel insurance coverage for Coronavirus

Patriot Exchange Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.

Patriot Exchange Insurance Review

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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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 Student Insurance

  • Covers individuals involved in educational or cultural exchange.
  • Provides lifetime maximum of $5 million.
  • Optional coverage for adventure sports up to $50,000.

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A working example of using Patriot Exchange foreign student health travel insurance (Offered by IMG) *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims : After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $25,000
The Patriot Exchange Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Patriot Exchange Insurance

Patriot Exchange Insurance

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.

Does Patriot Exchange Insurance cover covid illness?

IMG Covid19 travel insurance by Patriot Exchange travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
  • Advantages
  • Disadvantages

Patriot Exchange Student Insurance Advantages

  • Patriot Exchange Covid19 travel insurance by IMG for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • If the policy is purchased for a minimum of 1 month, policy can be renewed till 48 months.
  • $500,000 coverage plan available with a lifetime maximum of $5000,000.
  • There is no coinsurance.
  • This plan covers for medical evacuation, repatriation, emergency reunion.
  • Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.
  • Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.
  • Discounted prices for pharmacy prescriptions at universal Rx pharmacy.
  • Sudden recurrence of a Pre existing for US citizens is $5000 for eligible medical expenses and $25,000 for emergency evacuation. Look back period is 3 years from start date of plan.

Patriot Exchange Student Insurance Disadvantages

  • The policy cannot be renewed if purchased for less than 1 month.
  • Does not cover pregnancy.

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What are some insurance terms important in Patriot Exchange Student Insurance reviews?

  • Plan Maximum coverage of Patriot Exchange Student insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot Exchange Student insurance offers maximum coverage up to $5,000,000.
  • What is a deductible in Patriot Exchange Student insurance?
    This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Patriot Exchange Student insurance offer a set of deductible options for the students to choose from. Patriot Exchange Student insurance has a range of deductible options are $0, $100, $250 or $500.
  • What is coinsurance in Patriot Exchange Student insurance?
    This is a percentage of the bill that the student has to pay. Patriot Exchange Student plan pays 100% coinsurance.
  • What is a provider network of Patriot Exchange Student Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Patriot Exchange Student student health insurance
    Patriot Exchange Student Insurance can be renewed upto 12 months .
  • Patriot Exchange Student Pre-existing conditions for international students.
    It offer covers medical covered expenses up to $5,000.
  • Patriot Exchange Student Underwritten by Certain Underwriters at Lloyd's of London and rating A (Excellent) by AM Best rating.

International Medical Group, IMG travel insurance Links

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