Are you traveling as a Group?
Get a 5% group discount on IMG Patriot Exchange students travel medical insurance.
Get a 5% group discount on IMG Patriot Exchange students travel medical insurance.
Ideal for international student health insurance., Starting at just $1.86/day*
Patriot Exchange insurance is an IMG student health plan for F-1 and J-visa holders, offering essential medical coverage like doctor visits, hospitalization, and emergency evacuation. It also meets U.S. J-visa insurance requirements.
The plan covers 90% in-network and 80/20 out-of-network in the US, with no coinsurance abroad. It offers 1–12 months of coverage, renewable up to 48 months, plus a $5 Student Health Center copay, 24/7 telehealth, and pre-existing condition coverage after 12 months.
After a waiting period of 12 months, charges for conditions existing within 36 months before the effective date, can be covered up to $500 per period of coverage and $1,500 maximum limit. The plan offers up to a $5,000 maximum limit for a sudden and unexpected recurrence of a pre-existing. Complete your Patriot Exchange insurance application form to ensure you have the coverage you need while studying abroad.
After buying the plan, Traveler can get the Patriot Exchange student insurance id card and all the plan document 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!
*The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 24-year-old traveler.
The policy maximum amount of coverage is the total dollar amount of benefits available under the Patriot Exchange plan. Once the maximum is reached, no additional benefits will be paid.
The deductible is the amount the insured must pay before Patriot Exchange insurance starts to cover expenses.
Patriot Exchange insurance has deductible options of : $0, $100, $250, or $500.
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Patriot Exchange student insurance pays 10%. And Outside the PPO Network the plan pays 20% of eligible expenses up to $10,000, then 100% up to the maximum Limit.
The Patriot Exchange Program insurance cost per month is starting at just $56 to $85 and the cost depends on:
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
Example: Below is the monthly cost of Patriot Exchange Program insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Eligible medical expenses help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Hospital room and board help | 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 help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Intensive care unit help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Bedside visit help | $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 help | $5 co-pay per visit. Not subject to deductible. |
| Dental Treatment help |
|
| Traumatic Dental Injury help |
|
| Mental/Nervous help | 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 |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster help | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation help | Up to the maximum limit |
| Return of mortal remains or cremation/burial help | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20,000 maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Political Evacuation & Repatriation help |
|
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
| Physician visits help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Teladoc Consultation help | Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only) |
| Urgent Care Clinic help | $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 help | $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 help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Prescription Drugs and Medications help | 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 |
| Mental/Nervous help | Inpatient Mental or Nervous / Substance Abuse
|
Outpatient Mental or Nervous / Substance Abuse
|
| Pre-Existing Condition help | 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. |
Patriot Exchange international student insurance can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 Maximum Limit per Injury or Illness |
| 50-59 years | $30,000 Maximum Limit per Injury or Illness |
| 60-64 years | $15,000 Maximum Limit per Injury or Illness |
All Insured Persons who have elected the Chaperone / Faculty Leader Replacement Rider will be entitled to the benefits listed below.Chaperone / Faculty Leader Replacement (for groups only): $3K lifetime maximum
Available for individuals only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
Available an individual and groups
For students looking at more protection IMG Patriot Exchange insurance now offer our Add-on Rider, covering personal liability,lost personal property, legal assistance up to $500 per period of coverage, and limited High School and College sports, which is available with and without Collision Sports coverage.
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Exchange health insurance program from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot Exchange student PPO network »American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Patriot Exchange student insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Patriot Exchange student insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Patriot Exchange student insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Patriot Exchange student insurance claims should you need to use the insurance coverage while on your vacation.
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 $50K, $100K, $250K, or $500K per injury/sickness. This plan offers Coinsurance 90% up to $10K, 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.
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.
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.
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.
Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:
On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. On receiving the completed Patriot Exchange insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.
Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
Our support team is ready to assist you.
To file a claim with Patriot Exchange Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
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
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