Patriot Exchange Group Insurance is a comprehensive travel medical insurance plan for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more students. Most of the plan options are designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange. The individual and group (two or more primary insured’s) plans provide coverage for dependents and may be purchased in monthly increments. The plan also covers acute onset of pre-existing conditions, but they are only covered prior to age 70. Plan options are designed to meet the US J1 and J2 visa travel insurance requirements.
Group travel insurance quote »Comprehensive plan
COVID-19 covered
Pre-existing conditions
PPO network
24/7 access to tele-health provider
Adventure sports
Patriot Exchange - Provider network and how to find hospital or doctor?
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 NetworkCoverage | Description |
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Take a quote & purchase for Individual | Patriot exchange insurance page |
Insurance provider | International Medical Group (IMG) |
Patriot Exchange insurance underwriter | Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company. |
Insurance rating | AM Best Rating: "A-" (Excellent) and A- by Standard & poor's |
Plan life | 12 months. Patriot America Plus Insurance can be renewed online up to 48 months. |
Eligibility | Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2 |
Policy maximum | $50k, $100k, $250k, $500k, 5M |
Deductible options | $0, $100, $250, $500. |
Coinsurance | In Network: The plan pays 100% Out of Network: The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit. |
Pre-Existing Conditions | After 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum. |
Optional Riders | Provide additional coverage for a minimal charge. Click here to read more » |
Compare Patriot travel plans | Compare Patriot exchange vs Student health advantage insurance plans |
Review and compare the best Patriot Group Exchange Insurance quotes.
Compare Patriot America Lite insurance quotesPatriot Exchange Group Insurance include coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, and travel delays. The plan also covers acute onset of pre-existing conditions, but they are only covered prior to age 70.
To be eligible to apply for Patriot Exchange Group Insurance, you must be a participant in an educational or cultural exchange program abroad, the spouse or dependent of a participant and reside outside his/her home country for a temporary period, hold a J, M, F, or A Visa, be at least 31 days old and not yet 65 years old.
Patriot Exchange Group Insurance is extendable for up to 48 months if initially purchased for a minimum of one month or more.
Patriot Exchange Group Insurance plan typically does not include coverage for maternity expenses as a standard benefit. These types of travel and student insurance plans are primarily designed to provide coverage for emergency medical situations, accidents, and illnesses that may occur during international travel or while studying abroad.
The cost of Patriot Exchange Group Insurance is dependent on several factors, including the age of the traveler, the length of insurance coverage, the plan limit, and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible, the lower will be the premium.
You can purchase Patriot Exchange Group Insurance after arriving in the USA. However, the plan must be purchased within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the plan within a 6 month time period after arriving in the USA.
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
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.
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.
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: $1K 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: $10K
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: $250K 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 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 | $50K maximum limit |
Emergency reunion | $15K maximum limit. Not subject to deductibley |
Repatriation for Medical Treatment | $100K maximum limit. Not subject to deductibley |
Return of mortal remains or cremation/burial | $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial |
Political evacuation and repatriation | $10K lifetime maximum |
Terrorism | $50K 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 | $25K 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: $2K per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible |
Travelling in groups? Get coverage from IMG Patriot Group travel insurance!.
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