Policy maximum
$50k, $100k, $250k, $500k and $5M
Deductible
$0, $100, $250, $500
Comprehensive benefit plan
Benefits for covered medical expenses go all the way up to the plan maximum
Acute onset of a pre-existing condition
Covered pre-existing condition
Renewability
Plan is renewable up to a maximum of 4 years.
PPO Network
Ideal for F1 & J1 students visa holdersMedical Coverage
Patriot Exchange student insurance is an international student health insurance plan offered by IMG for the medical insurance needs of international students (F1 visa holders in the US), scholars, and cultural exchange participants (J visa holders in the US) studying or engaging in educational programs abroad. The plan offers comprehensive medical benefits, including hospitalization, doctor visits, emergency medical evacuation, prescription drugs, and more. Complete your Patriot Exchange insurance application form to ensure you have the coverage you need while studying abroad.
Traveler can get all the plan document and plan id card by using Patriot Exchange insurance login. At American Visitor Insurance, USA Travelers can contact the Patriot Exchange insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Reviews, Ratings and Experiences
Patriot Exchange insurance pays:
Plan excludes coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
A working example of using Patriot Exchange insurance*
Insurance coverage $50,000
Deductible $100 per certificate period
Coinsurance for claimsAfter the deductible, underwriters will pay 100% up to the policy limit
Medical expenses Claims$29,600
The Patriot Exchange USA 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.
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Days in Hospital | $2,000/day for 3 days | $6,000 | $0 |
| Surgery | $20,000 | $20,000 | $0 |
| Prescription | $2,000 | $2,000 | $0 |
| X Ray | $1,500 | $1,500 | $0 |
| Total | $29,600 | $29,500 | $100 |
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.
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.
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 $50,000, $100,000, $250,000, or $500,000 per injury/sickness. This plan offers Coinsurance 90% up to $10,000, 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.
IMG Covid19 travel insurance by Patriot Exchange 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.
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.
To be eligible for Patriot Exchange student travel Insurance, you must:
Patriot Exchange student Insurance offers a range of benefits, such as:
The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:
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.
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
Find Provider NetworkPatriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting J1 & J2 visa. It is ideal because Patriot Exchange can be purchased by the J2 dependent even if the J1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.
Download Patriot Exchange claims form
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
Frequently asked questions and answer about travel insurance.
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