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:
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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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.
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.
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.
Patriot 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 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.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
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.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
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.
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.
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Frequently asked questions and answer about insurance plans.Know more »
Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
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:
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.