Patriot Exchange vs Student Health Advantage Insurance

Compare and review benefits and coverage limits of Patriot Exchange Insurance and Student Health advantage insurance for international students from International Medical Group (IMG) to find best student plan for your needs..

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Compare Student Plans
           Patriot Exchange          
versus
  Student Health Advantage 
Patriot Exchange
Plan Maximum
Deductible
$54.00  Buy Now for 1 Month 0 Day
Student Health Advantage
Standard
Plan Maximum
Deductible
$68.00  Buy Now for 1 Month 0 Day
Student Health Advantage
Platinum
Plan Maximum
Deductible
$207.00  Buy Now for 1 Month 0 Day
Covid 19 Coverage Covered Covered Covered
Coinsurance Inside US:
In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum
Out of Network - The plan pays 80% up to the policy maximum.
Ouside US: Plan pays 100% up to the policy maximum after the deductible
Inside US:
In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum
Out of Network - The plan pays 80% up to the policy maximum.
Ouside US: Plan pays 100% up to the policy maximum after the deductible
Inside US:
In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum
Out of Network - The plan pays 80% up to the policy maximum.
Ouside US: Plan pays 100% up to the policy maximum after the deductible
Length of coverage Upto 12 months Upto 5 years Upto 5 years
Renewability Yes : Up to 12 months Yes : Up to 5 years Yes : Up to 5 years
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
Intensive care unit In-Network - 90% up to policy maximum
Out-Network- 80% up to policy maximum
International- 100% up to policy maximum
In-Network - 90% up to policy maximum
Out-Network- 80% up to policy maximum
International- 100% up to policy maximum
In-Network - 90% up to policy maximum
Out-Network- 80% up to policy maximum
International- 100% up to policy maximum
Urgent Care Clinic $50 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Not Available Not Available
 Emergency Services
Emergency local ambulance Company pays 100% Up to $350 Up to $350
Hospital emergency room Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission
Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
 Dental
Emergency dental treatment Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum Upto $350 maximum Upto $350 maximum
 Pre-existing condition
Pre-existing conditions After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum. Covered after a waiting period of 12 months Covered after a waiting period of 6 months
 Life
AD&D $25K principal sum, Not subject to deductible $25K principal sum, Not subject to deductible $25K principal sum, Not subject to deductible
 Evacuation
Emergency medical evacuation Up to $50K lifetime maximum Up to $500K lifetime maximum Up to $500K lifetime maximum
Emergency reunion $15K maximum limit. Not subject to deductible $50K lifetime maximum $50K lifetime maximum
Return of mortal remains or cremation/burial $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial $50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial $50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
Political evacuation and repatriation $10K lifetime maximum $10K lifetime maximum $10K lifetime maximum
Terrorism $50K maximum limit. Not subject to deductible Not Covered Not Covered
Unique Advantages
  • The deductible can be $500 or less with no further costs for the insured (while most plans have coinsurance which still must be paid after the deductible).
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
  • The Standard plan provides a policy maximum of $500K and a $100K for a dependent.
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
  • The Standard plan provides a policy maximum of $500K and a $100K for a dependent.
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
 Travel Insurance
Underwriter SiriusPoint Specialty Insurance Corporation SiriusPoint Specialty Insurance Corporation SiriusPoint Specialty Insurance Corporation
Rating AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent)
Brochure and Details

Compare Patriot Exchange vs Student Health Advantage Insurance plans

International Medical Group Has designed Patriot Exchange Insurance and Student Health advantage insurance for international students. These are comprehensive medical insurance plans ideal for international students, exchange scholars taking part is full time study abroad courses. Both these plans are underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company and have AM Best Rating of "A" (Excellent). International Medical Group has been offering international health insurance since 27 years and is popularly known for its excellent claims settlement. It is advisable to compare Patriot Exchange and Student Health Advantage plans before buying the best plan satisfying your needs. They both satisfy university requirements and US J visa requirements, After the student or exchange scholar has purchased the student medical insurance, a waiver form showing the proof of comparable coverage and visa letters would be sent on request.

Patriot Exchange Insurance offers basic student medical insurance coverage for international students from $50K up to $500K. It has no coinsurance.

Student Health Advantage Standard Insurance offers international student health insurance coverage up to $500K. The per injury illness maximum for this plan is $500K for student. It doesn’t offer coverage for maternity and new born care.
Student Health Advantage Platinum Insurance offers medical coverage up $100K. The per injury illness maximum for this plan is $500K. The platinum insurance offers coverage for Maternity and new born care. Outside the US: 100% of eligible expenses is covered, in US and PPO Network 80% of the eligible expenses and in non-PPO Network 60% of the eligible maternity expenses are covered.

Both the standard and the platinum plans cover high school sports, mental illness... Both the plans also cover Pre-existing conditions. The standard plan has a 12 month waiting period for coverage of pre-existing conditions and the Platinum plan has 6 month waiting period for coverage of pre-existing conditions. The Platinum plan has less deductible of $25.

Factors for comparing IMG Student medical insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among by Patriot Exchange, Student Health Advantage Standard and Student Health Platinum Insurance visitors travel insurance:

Compare medical maximum coverage:

This the maximum coverage that the plan would offer for the medical expenses. Patriot Exchange insurance offers medical coverage for students up to 5M. Student Health Advantage Standard offers maximum coverage for Student - $500K per period of coverage; Dependent - $100K per period of coverage. Student Health Advantage Platinum Insurance Coverage for Student - $1M per period of coverage; Dependent - $100K per period of coverage.

Compare deductible options:

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Patriot Exchange offer a set of deductible options for the travelers to choose from has deductible options from $0 up to $500 while Standard plan: Student- $500K; Dependent- $100K and Platinum plan: Student- $1M; Dependent- $100K.

Compare provider network:

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Compare coinsurance options:

This is a percentage of the bill that the travel has to pay.
Patriot Exchange
The plan pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US. Outside the US, the plan covers 100% up to the policy maximum after the deductible.
Student Health Advantage Plan
The plan pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US. Outside the US, the plan covers 100% up to the policy maximum after the deductible.

Contrast the renewability options:

Patriot Exchange student insurance can be renewed online up to 48 months while Student Health Advantage can be renewed up to a maximum 5 years.

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot Exchange and Student Health Advantage both has 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.

Pre-existing conditions coverage:

Patriot Exchange and Student health advantage standard covers after a waiting period of 12 months and Student health advantage platinum covers after a waiting period of 6 months.

What is international student health insurance?

International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad. Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a cheapest health insurance for international students in USA just right for you and your situation.

What is the best health insurance for international students?

The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.

  • FEATURES
  • Eligible for J-1 visa
  • Pre-existing Cover
  • Maternity
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Patriot Exchange
  • Yes
  • Yes
  • No
  • Yes
  • $0 to $500
  • AM Best Rating: "A-" (Excellent)
  • Yes
  • Sirius International Insurance
  • IMG
  • Buy Now
  • Standard
  • Yes
  • Yes
  • Yes
  • Yes
  • $250
  • AM Best Rating: "A-" (Excellent)
  • Yes
  • Sirius International Insurance
  • IMG
  • Buy Now
  • Platinum
  • Yes
  • Yes
  • Yes
  • Yes
  • $100
  • AM Best Rating: "A-" (Excellent)
  • Yes
  • Sirius International Insurance
  • IMG
  • Buy Now
j1 visa

Not on a F1 visa? Please review these other visa categories

J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

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F2 dependents

Insurance plans for dependents of an F1 visa holders.

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US Student Abroad

Insurance plans for US students studying outside their home country.

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J2 dependents

Insurance for J2 visa dependants satisfying visa requirements.

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OPT Status within F1 visa

Insurance plans for students on OPT status, OPT student health insurance.

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M1 visa holders

Medical insurance for students on vocational training.

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Patriot Exchange vs Student Health Advantage Insurance

Patriot Exchange vs Student Health Advantage Insurance

Patriot Exchange student health insurance plan has been designed keeping the US Universities and their requirements for F1 and J1 Visa holders in mind. This plan satisfies typical university F1 and US immigration authorities J1 Visa requirements. Student Health Advantage is another student plan from IMG that is designed to the needs of international students coming to the US for higher education. It meets the J1 visa requirements and is also suitable for F1 Visa holders and their dependents. There are two types of Student health advantage plans namely Standard and Platinum.

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Patriot Exchange Student Insurance - Key Highlights

  • It is a very affordable plan and meets J visa requirements and F Visa for international students
  • The deductible can be $500 or less with no further costs for the insured (while most plans have coinsurance which still must be paid after the deductible).
  • If the educational institution has a health center, the student can pay only a $5 copay for each visit for additional benefit and savings.
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
  • Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.

Student Health Advantage Insurance - Key Highlights

  • This is a per injury and illness student insurance plan is available in two types namely Standard and Platinum plan.
  • The Standard plan provides a policy maximum of $500K and a $100K for a dependent.
  • The Platinum plan provides a policy maximum of $1M and $100K for a dependent.
  • Deductible of $100 is applicable on this plan.
  • Student Health Advantage plan is available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders.
  • Pre-existing condition coverage is available after a waiting period of 12 months.
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
  • Co-Insurance for charges incurred within the US and Canada in the PPO network is covered 100%; for out of PPO network, 80% is covered up to $5000 after which 100% is covered.

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.

Student Health Advantage vs Patriot Exchange - FAQs

  • Patriot Exchange - FAQ's

    What is Pre-existing condition?
    Pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

    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 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.

    Does Patriot Exchange Insurance cover covid illness?
    IMG Covid19 travel insurance by Patriot Exchange Insurance for Covid 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.
  • Student Health Advantage - FAQ's

    How long can I renew Student Health Advantage?

    Student Health Advantage can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.


    Can f2 visa holder buy Student Health Advantage insurance?

    Student Health Advantage 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 Student Health Advantage Insurance cover covid illness?

    IMG Covid19 travel insurance by Student Health Advantage insurance for Covid 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.

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Patriot Exchange student insurance

Patriot Exchange student insurance is an international student health insurance plan offered by IMG (International Medical Group) for the medical insurance needs of international students (F1 visa holders in the US), scholars, and cultural exchange participants (J visa holders in the US) studying or engaging in educational programs abroad

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Student Health Advantage Insurance

Student Health Advantage is designed by IMG for students or scholars participating in a sponsored study abroad program, and who want an annually renewable medical plan. The Students health advantage student insurance plan covers pre-existing condition coverage after the first 12 months of the plan.

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