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 $50K, $100K, $250K and $500K. The plan has a deductible of $100. Repatriation available for $25K and medical evacuation of $50K 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: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.
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Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
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Click here to read more »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.
Buy Online for groupPatriot Exchange is available for 12 months and it can be renewed for 48 months.
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.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
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.
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:
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
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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Compare Patriot Exchange student insurance quotes »Complete the student insurance quotes request form by providing details of the student 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.
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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.
The price of student medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Student insurance depends on the coverage region. The cost for student health insurance for the United States is most expensive.
The longer the duration of Student medical insurance required, the higher will be the cost.
Student medical insurance coverage for pre-existing conditions,sports, metal illness, preventive care services.
Travelling in groups? Get coverage from IMG Patriot Group travel insurance!.
Compare quotesNeed coverage for the IMG acute onset of pre-existing conditions insurance?
Compare quotesInsurance for J1 and J2 visas and F1 visa international students.
Compare quotesProvides coverage for for foreign residents as visitors to the USA.
Compare quotesFrequently asked questions and answer about insurance plans.
Read more »Customer queries about Patriot Exchange insurance plan.
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