Compare Patriot Exchange vs StudentSecure Smart Insurance

Compare Student insurance benefits offered by Patriot Exchange and StudentSecure Smart plans with various maximum coverage limits & deductibles. These two Student insurance plans are comprehensive benefit student insurance plans for international travel which offer pre-existing conditions. Compare price and benefits to find the best Student medical insurance plan for your needs.

Patriot Exchange vs StudentSecure Smart Cost Comparision

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Patriot Exchange vs StudentSecure Smart
Patriot Exchange Program
Plan Maximum
Deductible
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StudentSecure Smart
Plan Maximum
Deductible
Monthly Payment Option Available
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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.
In Network: The plan pays 80% of eligible expenses up to $100K, then 100% up to the Maximum Limit.
Out Network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Rating "A-" (Excellent) and A- by Standard & poor's AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company
Underwriter Sirius International Insurance Corporation Lloyd's
 Maternity Care
Therapeutic Termination of Pregnancy Not covered Up to $500(not subject to coinsurance)
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Student helath care copayment Up to $5 per visit Up to $25 per visit
 Emergency Services
Emergency local ambulance Company pay 100%.Transfer must be in patient hospital admission Up to $500 per injury / illness if hospitalized as inpatient
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
$350 for the emergency room facility fee for treatment received in an emergency room
 Dental
Emergency dental treatment $350 maximum Up to $500 for acute onset of pain
Dental Treatment - Due to Accident $500 per accident Not Covered
 Pre-Existing Condition
Pre-Existing Conditions Covered after 12 months of waiting period Covers acute on set of pre-existing condition
 Life
AD&D $25K principal sum, Not subject to deductible Not Covered
 Evacuation
Emergency medical evacuation Up to $50K lifetime maximum Up to $50K lifetime maximum
Emergency reunion $100K maximum limit. Not subject to deductible Up to $1K, subject to a maximum of 15 days
Return of mortal remains or cremation/burial $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial $25K lifetime maximum
Prescription Drugs Company pays 100% after deductible is met
90 day dispensing maximum
50% of actual charge
Intercollegiate, interscholastic, intramural or club sports Plan pays 100% after deductible is met for High School and college sports ONLY Not Covered
Terrorism $50K maximum limit. Not subject to deductible Not Covered
Unique Advantages
  • 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.
  • Discounted prices for pharmacy prescriptions at universal Rx pharmacy..
  • Designed for International students with Lower coverage limits.
  • It is lowest cost plan with lowest maximum benefits .
  • Good PPO network.
  • It as a monthly payment option.
  • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.

Patriot Exchange vs StudentSecure Smart 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 Program Insurance from International Medical Group with AM Best Rating of "A" (Excellent) and Student Secure Smart Insurance from WorldTrips with AM Best Rating of A++ (Superior).

Patriot Exchange vs Student Secure Smart insurance

Factors to consider while Comparing IMG and WorldTrips insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Patriot Exchange vs StudentSecure Smart travel 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 offers up to $5M and StudentSecure Smart offers up to $100k.

02. Compare deductible options

They represent a percentage of the medical bill that you an insured might incur in case of any unexpected sickness and injury which is otherwise going to be out of pocket expense. Patriot Exchange insurance offers $0 to $500, while Student Secure Smart offers $0 deductible.

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.
StudentSecure Smart Insurance
  • In Network - The plan pays 80% of eligible expenses up to $100K, then 100% up to the Maximum Limit.
  • Out of Network - Usual, reasonable, and customary charges covered and the insured is responsible for any charges exceeding the payable amount.

06. Contrast the renewability options

Patriot Exchange can be renewedup to 48 months, Student Secute Smart can be renewed uo to 4 years.

07. Pre-existing conditions coverage

Patriot Exchange student insurance covers pre-existing condition after a 12 month waiting period and StudentSecure Smart student health insuarnce covers acute on set of pre-existing conditions.

08. Sports coverage

Most student insurance plans offer coverage from injuries while taking part in extracurricular activities and high school sports.

Patriot Exchange student insurance:
  • Covers optional adventure sports up to 64 years.
Student Secure Smart insurance:
  • Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
  • FEATURES
  • Eligible for J-1 visa?
  • Monthly Payment Available?
  • Pre-existing Cover?
  • Renewable and Cancellable?
  • Deductible Choice?
  • A.M. Best Rating
  • Underwriter
  • Provider
  • Buy now
  • Patriot Exchange
  • Yes
  • No
  • 12 months of waiting period
  • Yes
  • $0 to $500
  • "A-" & Standard & poor's A-
  • Sirius
  • IMG
  • Buy Now
  • StudentSecure Smart
  • Yes
  • Yes
  • Covered
  • Yes
  • $0
  • A++ & Standard & Poor’s AA-
  • Lloyd's
  • WorldTrips
  • 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 and Student Secure Smart 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
  • StudentSecure Smart Health Insurance - FAQ's

    Why do i need international student health Insurance?

    There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:

    1. To Meet Visa Requirements:
    Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
    As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.

    2. To Meet Your Study Abroad Program or School Requirements:
    Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
    Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.

    To Cover Unexpected Medical Expenses:
    Your regular health insurance may not provide adequate coverage while you are outside of your home country and very few plans pay for medical evacuation.


    Is it possible to renew StudentSecure Smart Insurance?

    Yes, International students can renew StudentSecure Smart Insurance online up to 12 months.


    Does StudentSecure Smart insurance offer coverage for Team sports.

    StudentSecure Smart insurance covers sports & activities - leisure, recreational, entertainment, or fitness up to the overall maximum limit


    Will I lose StudentSecure Smart coverage when I graduate or if I leave school?

    Yes, StudentSecure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

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Review Student medical insurance - Blogs and articles

Patriot Exchange plan

Patriot Exchange student insurance is an international student health insurance plan offered by IMG 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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StudentSecure Smart Plan

Student Secure provides excellent insurance cover to international students and scholars outside their home country.These plan meets J-1 visa requirements, covers pre-existing condition and covers sports activities, leisure, recreational,entertainment or fitness

Read more »

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