Patriot Exchange Group Insurance

Ideal for F1 & J1 students visa holdersMedical CoveragePre-existing conditions

Patriot Exchange Group Insurance is a comprehensive travel medical insurance plan for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more students. Most of the plan options are designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange. The individual and group (two or more primary insured’s) plans provide coverage for dependents and may be purchased in monthly increments. The plan also covers acute onset of pre-existing conditions, but they are only covered prior to age 70. Plan options are designed to meet the US J1 and J2 visa travel insurance requirements.

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Key benefits of Patriot Exchange Group Insurance

Comprehensive plan

COVID-19 covered

Pre-existing conditions

PPO network

24/7 access to tele-health provider

Adventure sports

Patriot Exchange - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

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Patriot Group Exchange Insurance Reviews

Coverage Description
Take a quote & purchase for Individual Patriot exchange insurance page
Insurance provider International Medical Group (IMG)
Patriot Exchange insurance underwriter Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Insurance rating AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Plan life 12 months. Patriot America Plus Insurance can be renewed online up to 48 months.
Eligibility 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
Policy maximum $50k, $100k, $250k, $500k, 5M
Deductible options $0, $100, $250, $500.
Coinsurance In Network: The plan pays 100%
Out of Network: The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit.
Pre-Existing Conditions After 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
Optional Riders Provide additional coverage for a minimal charge. Click here to read more »
Compare Patriot travel plans Compare Patriot exchange vs Student health advantage insurance plans

Patriot Exchange Links

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Patriot Exchange Group student insurance

  • 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 international student insurance plan summary


Patriot 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

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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IMG Patriot Exchange health insurance program

Administered by IMG Patriot Group Exchange plan is designed for groups of students studying abroad or participants of a group cultural exchange program. This plan may be purchased in monthly increments and can include coverage for the students or participants, their spouses and unmarried dependent children travelling with them. This Insurance offers Coverage for pre-existing conditions. Patriot Group Exchange satisfies J Visa (exchange student visa) insurance requirements and is popular as student travel insurance for groups from China and Europe.
Ideal Plan for these groups:
  • Students taking part in international programs.
  • Participants in cultural exchange programs.
  • International graduate students and researchers.
  • Scholars and Researchers.
  • Dependents, Spouse or child.
  • Students or participants of five or more in number.
Patriot Exchange insurance offers coverage for Covid19 illness.
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Conditions of Coverage for Patriot Exchange Insurance
  1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
  2. Coverage under this plan is secondary to any other coverage
  3. Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
  4. Charges must be administered or ordered by a physician
  5. Charges must be incurred during the period of coverage or benefit period
  6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Steps to buy travel insurance


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IMG Patriot Group Exchange Insurance - Common Questions

01. What is the coverage of Patriot Exchange Group Insurance?

Patriot Exchange Group Insurance include coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, and travel delays. The plan also covers acute onset of pre-existing conditions, but they are only covered prior to age 70.

02. Who is eligible to buy Patriot Exchange Group insurance?

To be eligible to apply for Patriot Exchange Group Insurance, you must be a participant in an educational or cultural exchange program abroad, the spouse or dependent of a participant and reside outside his/her home country for a temporary period, hold a J, M, F, or A Visa, be at least 31 days old and not yet 65 years old.

03. Can I extend Patriot Exchange Group Insurance plan?

Patriot Exchange Group Insurance is extendable for up to 48 months if initially purchased for a minimum of one month or more.

04. Does the Patriot Exchange Group Insurance include coverage for maternity or pregnancy-related expenses?

Patriot Exchange Group Insurance plan typically does not include coverage for maternity expenses as a standard benefit. These types of travel and student insurance plans are primarily designed to provide coverage for emergency medical situations, accidents, and illnesses that may occur during international travel or while studying abroad.

05. What is the cost of Patriot Exchange Group Insurance?

The cost of Patriot Exchange Group Insurance is dependent on several factors, including the age of the traveler, the length of insurance coverage, the plan limit, and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible, the lower will be the premium.

06. Can I purchase Patriot Exchange Group insurance after arriving in USA?

You can purchase Patriot Exchange Group Insurance after arriving in the USA. However, the plan must be purchased within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the plan within a 6 month time period after arriving in the USA.

07. Are there any waiting periods or exclusions for pre-existing conditions?

Yes, there are some waiting periods and exclusions for pre-existing conditions under Patriot Exchange student health Insurance. Some of them are:

  • The plan does not cover any charges or expenses incurred during the first 12 months of coverage for a pre-existing condition that existed within 36 months before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
  • The plan does not cover any charges or expenses incurred for maternity care if conception occurred before the effective date of coverage. This applies to all insured persons regardless of age or citizenship.
  • The plan does not cover any charges or expenses incurred for treatment or surgery that is elective, experimental, investigational, or not medically necessary. This applies to all insured persons regardless of age or citizenship.

08. 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.

09. 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.

Patriot Group Exchange insurance 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: $1K
    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: $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
  • 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: $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
  • 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
    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 $50K maximum limit
    Emergency reunion $15K maximum limit. Not subject to deductibley
    Repatriation for Medical Treatment $100K maximum limit. Not subject to deductibley
    Return of mortal remains or cremation/burial $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
    Political evacuation and repatriation $10K lifetime maximum
  • Terrorism $50K 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 $25K 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: $2K per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible

International Medical Group(IMG) Insurance related coverage

International Medical Group(IMG) Insurance related coverage

Patriot Group Exchange Insurance Restrictions

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

IMG visitors insurance related links