Patriot Exchange student insurance, IMG Coronavirus Patriot Exchange student insurance for J1 and J2 visas and F1 visa international students

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Patriot Exchange insurance covid - Patriot Exchange insurance coverage for Coronavirus

Patriot Exchange Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.

Patriot Exchange Insurance Review

Insurance provider
International Medical Group

Plan life
12 months
Patriot Exchange Insurance can be renewed online up to 48 months.

Deductible options^?
$0, $100, $250 or $500 per illness or injury available

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.

Patriot Exchange insurance rating
AM Best Rating: "A" (Excellent)

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Patriot Exchange student insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot Exchange Links

Brochure
Advantages
COMPARATIVE ADVANTAGES
Patriot Exchange Covid19 travel insurance by International Medical Group for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage

"Adventure Sports Rider" is available for purchase.

Plan is renewable up to 48 months if plan is purchased for a minimum of 1 month.

If the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). Even several visits will be cheaper than paying a deductible.

$500,000 coverage plan available with a lifetime maximum of $5,000,000.

There is no coinsurance.

This plan covers for medical evacuation, repatriation, emergency reunion.

Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.

Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.

Discounted prices for pharmacy prescriptions at universal Rx pharmacy.

Sudden recurrence of a Pre existing for US citizens is $5000 for eligible medical expenses and $25,000 for emergency evacuation. Look back period is 3 years from start date of plan.
Disadvantages
DISADVANTAGES
The policy cannot be renewed if purchased for less than 1 month.

Does not cover pregnancy.
Reviews
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Claims
Renewal
Provider Network
Group Quotes

Patriot Exchange Insurance, Comprehensive International student insurance

IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars. Patriot Exchange insurance is ideal for organizations that focus on international educational or cultural exchange programs. This Insurance offers coverage for pre-existing conditions. This plan is very popular among the IMG J1 visa insurance and F1 Visa holders. Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements and is popular with students from China and India. J2 and F2 holders can also buy this plan without J1 and F1 being on the plan.

IMG's Patriot Exchange vs Student Health Advantage

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
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Patriot Exchange vs Student Health Advantage Insurance

International Medical group Patriot Exchange international student insurance plan summary

What is the eligibility to buy Patriot Exchange Insurance?

Be 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
Be at least 31 days old but not yet 65 year old.
Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.

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Patriot Exchange insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure Sports rider
Adventure Sports rider
Available for those up to the age of 65 years.

Activities Covered upto lifetime maximum: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 lifetime maximum

Age 50-59 years: $30,000 lifetime maximum

Age 60-64 years: $15,000 lifetime maximum

Loss Personal Property: $250 per period of coverage limit
Legal Assistance: $500 per period of coverage limit
Personal Liability - Injury to third party: $2,000 per period of coverage limit after $100 deductible
Personal Liability - Damgae to third party's property: $500 per period of coverage limit after $100 deductible
Limited high scholl and college sports: Company pays 100% after deductible is met

Patriot Exchange insurance coinsurance^?

Company pays 100%

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Acute onset of pre-existing condition coverage^?

Pre-existing conditions: For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.

Sudden recurrence of pre-existing conditions (for US citizens)

Medical - Up to $5,000 of the eligible expenses;
Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses

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Patriot Exchange Travel Insurance, Patriot Exchange program review - Frequently asked questions

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.