Patriot Exchange student health insurance plan

Patriot Exchange Insurance Cost

Age & Citizenship
Coverage region
Start date
End date
An overview

IMG Patriot student exchange insurance for international students

Patriot exchange student insurance

Patriot Exchange student insurance is offered by the International Medical Group (IMG) and is designed for students participating in educational and cultural exchange programs abroad. This is a per injury sickness plan and satisfies the US J1 Visa requirements.

This plan has a policy maximum of $50,000, $100,000, $250,000 and $500,000. The plan has a deductible of $100. Repatriation available for $25,000 and medical evacuation of $50,000 for exchange visitor to his or her home country.

IMG Patriot Exchange program offers international student insurance coverage for Covid illness for students studying outside their home country.

This plan is designed for:
  • Individuals and groups participating in student international programs
  • Cultural exchange participants
  • International graduate students
  • Scholars and educators
  • Dependents

Scholars who are coming to the US on an Exchange program on the J1 Visa are eligible to buy this plan. The plan is also available for spouse and dependent children. If a J1 Visa holder wants this plan for his J2 spouse only, then this is the only plan that is available for the J2 visa holders. This plan can be purchased by F1 visa international students and their dependents as well.

This is how the 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.

The benefits of patriot exchange program include all of the essential requirements but does not provide coverage for maternity. This plan is renewable for up to 48 months and is purchased for a minimum of one month. This Patriot Exchange plan also has an optional 'Adventure Sports rider' benefit.

Pre-existing conditions are covered with a look back period of 3 years. There is a Patriot Group Exchange plan available as well for group of five or more students or participants in cultural exchange program. You can see an example of how Patriot Exchange insurance works.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

Testimonials - From Our Customers - More testimonials...

"I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100."

testimonial male
star insurancestar insurancestar insurancestar insurancestar insurance


"Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon......."

testimonial male
star insurancestar insurancestar insurancestar insurancestar insurance


"I am pleased to say that your company is very professional in the field of Insurance.
The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need. "

testimonial male
star insurancestar insurancestar insurancestar insurance

Lori Fields

Resourceful travel insurance information for new customers...

Find out the best insurance for your budget and needs
Claims process for expenses due to injury or sickness
Step by step guide to buying the best travel insurance online
Commonly used international travel insurance terms
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Compare the best travel insurance plan for your needs

Unique feature of Patriot Exchange Student insurance

The Patriot Exchange student insurance plan is available for spouse and dependent children even if the primary F1 or J1 visa holder is not on this insurance plan. If a J1 Visa holder wants to buy this plan for his J2 spouse or children, then Patriot Exchange insurance plan can be purchased for the J2 visa holders. The same is true for F2 visa holders as they can buy Patriot Exchange student insurance even if the F1 visa holder is not on the Patriot exchange student insurance plan.

Patriot America Insurance
Insurance provider
International Medical Group
Plan life- 12 months.
Patriot Exchange Insurance can be renewed online up to 48 months.
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.
Deductible options?
$0, $100, $250 or $500 per illness or injury available
Patriot Exchange insurance rating
AM Best Rating: "A" (Excellent)
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
  • PPO Network
  • Group Quotes

IMG Patriot Exchange Insurance

IMG exchange protection plan - Frequently asked 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 Patriot Exchange Insurance cover covid illness?

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.

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 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.

Steps to buy
IMG international exchange student insurance online

 Step 1: Finding the available US travel insurance for exchange students.

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the visitors insurance plan documents received by email
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance

Factors that determine the cost of student medical insurance

Age of the Student

The cost of health insurance is directly proportional to the age of the sudent. The older the student and greater will be the cost of the student health insurance.

Medical maximum coverage and deductible options

The price of student medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

student insurance depends on the coverage region. The cost for student health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of student medical insurance required, the higher will be the cost.

Additional coverage

Student medical insurance coverage for pre-existing conditions,sports, metal illness, preventive care services.

International Medical Group(IMG) Insurance related coverage

International Medical Group(IMG) Insurance related coverage

Student health insurance information

Patriot Exchange Insurance Restrictions

Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Covid Travel Health insurance for Non Residents for USA Covid19 international student insurance review

Covid F1 student health insurance

There are many international students in the US either without proper US student medical insurance, or with F1 student health insurance that does not cover Covid19. The new variant Omicron and Delta Plus is considered more infectious than the previous variants and it is vital that international students have good student health insurance.

A Covid-19 cover will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we are committed to getting you the best Covid19 international student health insurance in USA for Coronavirus coverage. Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance.

However recent changes by the US government has removed this requirement and international students can buy affordable health insurance for international students studying in the USA offered here without violating any US government requirements. There are few Covid19 international student health insurance USA plans:

International Medical Group Covid19 health insurance plans for international students in the US:

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans that offer coverage for medical expenses from coronavirus are

International students can compare student insurance plans to most appropriate plan that suits their specific needs. There are some F1 visa students still stranded in the USA or on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance.

The visitors health insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs. Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

International Medical Group, IMG travel insurance Links