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Patriot Exchange Insurance for Covid19

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Patriot Exchange Insurance Review

Patriot Exchange Insurance
Insurance provider
International Medical Group
Plan life? - 12 months.
Patriot Exchange Insurance can be renewed online up to 48 months.
Patriot Exchange insurance rating
AM Best Rating: "A" (Excellent)
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 student insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation.
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Patriot Exchange insurance coinsurance
Company pays 100%
Patriot Exchange Links

Patriot Exchange Insurance - Key Highlights

Patriot America Lite Insurance
  • Covers Covid19 illness.
  • 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.

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.

Patriot Exchange international student insurance plan summary

Patriot Exchange Travel insurance optional ridersPatriot Exchange insurance optional riders

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

  • Adventure Sports rider
  • Chaperone/Faculty Leader Replacement Rider
EligibiltyWhat 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.

Pre-existing condition coverage?
Pre-existing conditions: After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.

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Patriot Exchange Travel Insurance- Frequently asked questions

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 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.

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.

Patriot Exchange Covid19 insurance

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

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.

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Patriot Exchange insurance Benefits

In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Coinsurance In-Network: Plan pays 90%, insured pays 10%
Out-Network: Plan pays 80%, insured pays 20%
International: Plan pays 100%, insured pays 0%
Out of Pocket Maximum In-Network: $1,000
Out-Network: Up to the Maximum Limit
International: $0
Eligible medical expenses In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Hospital room and board 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 In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Intensive care unit In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Bedside visit $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 $5 co-pay per visit. Not subject to deductible.
Mental/Nervous Not covered if incurred in student health center; Inpatient: $10,000 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
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Teladoc Consultation Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Urgent Care Clinic $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 $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 In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Prescription Drugs and Medications Period of Coverage limit: $250,000 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
Emergency local ambulance Company pays 100%
Hospital emergency room Injury: Not subject to Emergency Room Deductible
Illness: Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Interfacility ambulance transfer Company pays 100%
Emergency dental treatment Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum
b>In-Network: Not Covered
Out-Network: 90% up to policy maximum
International: 100% up to policy maximum
Traumatic Dental Injury In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Emergency medical evacuation $50,000 maximum limit
Emergency reunion $100,000 maximum limit. Not subject to deductibley
Repatriation for Medical Treatment $100,000 maximum limit. Not subject to deductibley
Return of mortal remains or cremation/burial $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Political evacuation and repatriation $10,000 lifetime maximum
Terrorism $50,000 maximum limit. Not subject to deductible
Lost Personal Property $250 per period of coverage limit
Pre-Existing Condition 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.
Accidental death & dismemberment $25,000 principal sum, Not subject to deductible
Incidental Emergency in the U.S. Up to a cumulative 14 days (available for non-U.S. residents only)
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Legal Assistance $500 per period of coverage limit
Limited High School and College Sports Company pays 100% after deductible is met
Lost Personal Property $250 per period of cover age limit
Personal liability $Personal Liability: $2,000 per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible

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

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Patriot Exchange Insurance Restrictions

Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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