Compare Patriot Exchange vs Navigator for Student Insurance

Compare health and medical insurance plans for F1 visa students in USA. The medical insurance plans are from popular insurance providers and offer university comparable coverage. Some of these plans offer university waiver form while satisfying most of the F1 visa insurance requirements. Unique benefits offered by these insurance plans are coverage for high school sports.

Patriot Exchange vs Navigator Student Insurance Cost Comparision

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Patriot Exchange vs Navigator Student
Patriot Exchange
Plan Maximum
Deductible
  Buy Now 
Navigator for Student
Plan Maximum
Deductible
Monthly Payment Option Available
  Buy Now 
Insurance Providers
Brochure & Details
Coinsurance
In Network: The plan pays 10% of the first $10,000 with an out of pocket maximum of $1000.
Out of Network: The plan pays 20% with no cap.
Outside the U.S: Up to 100%
In Network: Up to 80%
Outside Network: Up to 60%
Underwriter Sirius International Insurance Corporation 4 Ever Life
Rating "A-" (Excellent) and A- by Standard & poor's "A-" (Excellent) carrier
Length of Coverage Up to 12 months Unlimited annual and lifetime medical maximum
Renewability Yes : Up to 48 months Yes : Up to 9 months
 Medical Benefits
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
Not Available
Intensive care unit
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum
Not Available
Urgent Care Clinic In-Network: Up to 90%
Out-Network: Up to 80%
International: Up to 100%
Outside the U.S: Up to 100%
In Network: All except a $75 copay per visit
Outside Network: 60% Coinsurance to Maximum then 100%
 Emergency Services
Emergency local ambulance Cover up to 100%
Outside the U.S: Up to 100%
In Network: 80% to Coinsurance Maximum then 100%
Outside Network: 60% to Coinsurance Maximum then 100%
Hospital emergency room Cover up to 100% Not Covered
 Dental
Emergency dental treatment In-Network: Not Available
Out-Network: Up to 90%
International: Up to 100%
Covered
 Pre-Existing Condition
Pre-Existing Conditions Period of Coverage Limit (after 12 months): $500 Maximum Limit: $1.5K Covered
 Life
AD&D Covered Maximum Benefit: Principal Sum up to $10K
 Evacuation
Emergency medical evacuation No coverage if Pre-certification requirements are not met unlimited lifetime maximum benefit up to $250K
Emergency reunion Covers up to 100% Not Available
Return of mortal remains or cremation/burial Covers up to 100% Not Covered
Political evacuation and repatriation Covers up to 100% Not Covered
Trip interruption Covers up to 100% Not Covered
Terrorism Covers up to 100% Covered
Unique Advantages
  • The plan offers comprehensive medical benefits
  • The plan meets the US visa requirements for J1 and J2 visa holders, as well as other visa types.
  • It offers $5 co-pay per visit to Student Health Center.
  • It is a comprehensive plan.
  • It provides UNLIMITED annual and lifetime medical maximum with no waiting period
  • Pre-existing conditions covered with creditable coverage.

Patriot Exchange vs Navigator for Student Insurance Reviews

There are popular insurance providers offering competitive international student health insurance plans. Before buying It is advisable to compare student medical insurance for international studies satisfying yours and university requirements.


The best international student insurance for studying abroad are Patriot Exchange Insurance from International Medical Group with AM Best Rating of "A" (Excellent), and Navigator for Student Insurance from GeoBlue.

Patriot Exchange vs Navigator for Student insurance

Factors to consider while Comparing IMG vs GeoBlue Student insurance

Following are some of the student insurance aspects that students need to focus on while comparing among Patriot Exchange and Navigator for Student Insurance:

01. Compare medical maximum coverage

Student insurance plans are available in wide range of policy maximums starting from $50K to $1M. Usually student plans have an university requirement for a per injury sickness plans. All of the student plans satisfy this requirement. Patriot exchange insurance offer coverage up to $500K while Navigator for Student insurance offers coverage up to $8 Million.

02. Compare deductible options

Patriot Exchange insurance has a range of deductible option from $0 up to $500 while Navigator for Student insurance has $0 to $5K deductible option.

03. Compare provider network

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. 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.

04. Compare coinsurance options

Patriot Exchange Insurance
  • In Network: The plan pays 10% of the first $10,000 with an out of pocket maximum of $1000.
  • Out Network: The plan pays 20% with no cap.
Navigator for Student Insurance
  • Coinsurance is waived for care outside the U.S.

05. Contrast the renewability options

Patriot Exchange can be renewed up to 48 months and Navigator for Student can be renewed up to maximum of 9 months.

06. Pre-existing conditions coverage

Patriot Exchange pre-existing condition insurance
  • Covers after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
Navigator for Student pre-existing condition insurance
  • Pre-existing conditions covered with creditable coverage.
  • FEATURES
  • Eligible for J-1 visa
  • Monthly Payment Available?
  • Pre-existing Cover
  • Maternity
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Patriot Exchange
  • Yes
  • No
  • 12 months waiting period
  • Not Covered
  • Yes
  • $0 to $500
  • A-(Excellent) & A- by Standard
  • Yes
  • Sirius International Insurance
  • IMG
  • Buy Now
  • Navigator for Student
  • Yes
  • Yes
  • Yes
  • Covered
  • Yes
  • $0 to $5K
  • "A-" (Excellent) carrier
  • Yes
  • 4 Ever Life
  • GeoBlue
  • Buy Now

Key Highlights

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

J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

Know more »

F2 dependents

Insurance plans for dependents of an F1 visa holders.

Know more »

US Student Abroad

Insurance plans for US students studying outside their home country.

Know more »

J2 dependents

Insurance for J2 visa dependants satisfying visa requirements.

Know more »

OPT Status within F1 visa

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

Know more »

M1 visa holders

Medical insurance for students on vocational training.

Know more »

Patriot Exchange vs Navigator for Student Insurance - FAQs

  • Patriot Exchange Health Insurance - FAQ's

    What is IMG Patriot Exchange Insurance?

    Patriot Exchange is designed for individuals and groups of students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J1, J2 and F1 visa travel insurance requirements.


    Patriot Exchange Insurance will cover Adventure Sports?

    Yes, The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.

    All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity.


    What are the coverage limits of Patriot Exchange Insurance?

    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.


    Do this Patriot Exchange plan cover sports-related illness or injuries?

    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.


    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.


    How Does the Affordable Care Act (ACA) Affect My Coverage?

    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.


    Who is eligible for Patriot Exchange student travel Insurance by IMG?

    To be eligible for Patriot Exchange student travel Insurance, you must:

    • Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant
    • Reside outside your home country for the purpose of pursuing international educational activities for a temporary period of time
    • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal

    How much does Patriot Exchange Travel Insurance cost?

    The cost of Patriot Exchange student travel Insurance depends mainly on the following factors:

    • The type of plan chosen (individual or group)
    • The policy maximum chosen (the maximum amount the plan will pay per injury or illness)
    • The deductible chosen (the amount you have to pay before the plan pays)
    • The age and health status of the insured person
    • The duration and location of your program

    How does Patriot Exchange student Insurance cover pre-existing conditions?

    Patriot Exchange student medical insurance covers Pre-existing conditions after 12 months of continuous 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.


    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
  • Navigator for Student Insurance - FAQ's

    What is Navigator for Student Insurance?

    Navigator for Student Insurance offers worldwide coverage for students in United States. It provides UNLIMITED annual and lifetime medical maximum with no waiting period for preventive services.The plan covers pre-existing conditions with creditable coverage.


    Does Navigator for Student will pre-existing conditions?

    Yes. Navigator for Student insurance covers pre-existing conditions with creditable coverage.


    What are the coverage limits of Navigator for Student Insurance?

    Navigator for Student insurance provides UNLIMITED annual and lifetime medical maximum with no waiting period for preventive services.


    Does Navigator for Student will Preventative Care?

    Yes.This plan covers preventive care services with no waiting period or sublimit. No precertification penalty for inpatient or outpatient care.


    Are Geo Blue Travel insurers a reliable insurance company?

    GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association.Geo Blue travel insurance for more than 20 years have assisted globally in the complications of international healthcare and provide confidence for its members to travel safe and peacefully. The travel insurance solutions provided by Geo Blue provide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.


    Is there coverage for Covid-19 illness in Geo Blue travel insurance?

    GeoBlue Voyager plan covers COVID-19 as a covered illness up to age 95.The essential treatment is covered however there may be policy deductible applicable.


    Is Geo Blue Travel insurers a good company?

    GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue provides easy access and peace of mind to travelers and expats living around the globe. Their elite network of providers, innovative online tools, telemedicine tools and exceptional customer service set completely different standards for a full, reliable, suitable protection of your health and safety in the global community.


    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.


    Why should I buy travel insurance from Geo Blue Travel insurers?

    GeoBlue is a self-governing licensee of the Blue Cross Blue Shield Association who offer borderless access with a premium quality healthcare system with high-tech service for all travelers to feel secure while traveling around the world. Travelers can be rest assured that their travel requirements will be covered for a safe trip.


    Do these Navigator for Student meet the J-1 program Visa requirements?

    Yes, the plan benefits and three deductible options meet the requirements. The deductible options that meet the requirements are the 0, 250 and 500 plans.


    How GeoBlue Navigator for Student insurance plan works?
    • Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
    • Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history.
    • Coverage is renewable at the consent of the member and insurer. Note: Members can keep the plan for a maximum of 9 months after returning home.
    • Welcome materials are sent electronically and via mail.
    • Members are invited to register on the website, mobile site or app.

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Review student health insurance plans - Blogs and articles

Patriot Exchange Plan

Patriot Exchange international student health insurance available for 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.

Read more »

Navigator for Student Plan

Navigator for Student Insurance offers worldwide coverage for students in United States.This plan offers unlimited annual and lifetime medical maximum.Plan options that meet F1 and J1 Visa requirements.

Read more »

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