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Patriot Exchange vs Student Health Advantage Insurance

Compare International Medical Group Coronavirus Student Insurance Plans

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        Patriot Exchange        
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Student Health Advantage
Patriot Exchange
Plan Maximum
Deductible
$54.00 Buy Now for 1 Month 0 Day
Student Health Advantage
Standard
Plan Maximum
Deductible
$68.00 Buy Now for 1 Month 0 Day
Student Health Advantage
Platinum
Plan Maximum
Deductible
$207.00 Buy Now for 1 Month 0 Day
An overview

IMG Patriot Exchange Insurance vs Student Health Advantage Insurance

Patriot Exchange vs Student Health Advantage

Patriot Exchange Insurance is a plan from IMG (International Medical Group), which is designed for international students and scholars coming to the US. International students coming to the US on F1 visa can buy F1 Student visa while research scholars, professors and exchange visitors coming to the US on the J1 Visa can buy J1 Visa Insurance.

J1 Visa holders also come to participate in programs that promote cultural exchange and to get medical and business training in the US. J1 visa holders are required according to the US immigration authorities to have J visa insurance. International students on the F1 Visa who are enrolled in an US University usually need to have a health insurance plan according to University rules.

This student plans must satisfy rules and requirements that the University states. The University will have a health insurance plan that they recommend to students, or in some cases allow students buy private health insurance plan as long as it satisfies certain requirements. Students may also have their own unique requirements from the plan and each individual might need a particular benefit to be available on the plan. In this situation, it is a good idea to find student insurance plans online from reputed US companies.

IMG Coronavirus Student health insurance:

International Students can buy Student Health Advantage and Patriot Exchange from IMG for international student insurance coverage for Covid illness.

Patriot Exchange

  • Patriot Exchange student health insurance plan has been designed keeping the US Universities and their requirements for F1 and J1 Visa holders in mind. This plan satisfies typical university F1 and US immigration authorities J1 Visa requirements. This plan is unique when compared to other student plans, as it also allows the F2 and the J2 visa holders (dependants of F1 and J1 visa holders) to buy the plan without the F1 and J1 being on the plan respectively.
  • The plan allows a maximum coverage starting from $50K, $100K, $250K and $500K with a lifetime maximum of $5000, 000. This is a per injury sickness plan. In a per injury sickness plan, the deductible is charged every time there is an expense is incurred for a new sickness. Another aspect with a per injury sickness plan is that the policy maximum amount will be reset to the same amount after an expense is incurred. There is no co-insurance with this plan.
  • This plan covers all the requirements such as evacuation, repatriation…listed in the brochure of the plan. But this plan does not cover maternity and preventive care.

Student Health Advantage

  • Student Health Advantage is another student plan from IMG that is designed to the needs of international students coming to the US for higher education. It meets the J1 visa requirements and is also suitable for F1 Visa holders and their dependents. There are two types of Student health advantage plans namely Standard and Platinum.
  • The Standard plan has a maximum limit of $500K for the student and $100K for their dependent per period of coverage. The per injury illness maximum for this plan is $300K for student and $100K for their dependent. The deductible is $100 per injury and sickness. With this plan, outside the US, there is no co-insurance and within PPO network within the US, there is no co-insurance. Outside of the PPO network and within the US there is an 80% co-insurance that is applicable for the first $5K of the expense incurred.
  • The Platinum plan has a maximum limit of $1M for the student and $100K for their dependent per period of coverage. The per injury illness maximum for this plan is $500K for student and $100K for their dependent. The deductible amount works a little different from the standard plan.
  • The deductible for the expense incurred outside of the US is $25. Within the US and with a PPO provider, the deductible is $25 and for a Non PPO provider, the deductible is $50. This is a per injury illness deductible. The co-insurance works the same way as in the Standard plan. Platinum plan provides coverage for Maternity and new born care which is not available in the Standard plan.
  • Both the standard and the platinum plans cover Sports, mental health... Both the plans also cover acute onset of pre-existing conditions. The standard plan has a 12 month waiting period for coverage of pre-existing conditions and the Platinum plan has 6 month waiting period for coverage of pre-existing conditions.

Compare the benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.

What does international student health insurance cover?

Doctor Visit

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Pre-existing conditions

International students who need coverage for existing medical ailments.

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repat of remains

Repatriation of remains expenses to home country in case of death.

Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
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Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
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International Medical Group Travel Insurance - Frequently asked questions

01. 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.

02. 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.

03. How long can I renew Patriot Exchange?

Patriot Exchange is available for 12 months and it can be renewed for 48 months.

04. 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.

05. 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.

06. 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.

07. 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.

08. 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.

IMG Insurance Restrictions

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

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Covid19 F1 student health insurance

There are many international students in the US either without proper US student medical insurance, or with F1 student health insurance that does not cover Covid19. The new variant Omicron and Delta Plus is considered highly infectious than the previous variants and it's vital that international students have good student health insurance.

At American Visitor Insurance, we are committed to getting you the Best Covid19 international student health insurance in USA for Coronavirus coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant. Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance.

However recent changes by the US government has removed this requirement and international students can buy affordable health insurance for international students studying in the USA offered here without violating any US government requirements. There are few Covid19 international student health insurance USA plans:

International Medical Group Covid19 health insurance plans for international students in the US:

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans that offer coverage for medical expenses from coronavirus are

International students can compare cheap health insurance for international students in USA for Covid19 and find the best student travel insurance for international students with Covid coverage that fit their needs.

There are also many F1 visa international students currently stranded in the US who are not enrolled in any classes. In this situation international students are not limited to buying USA student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for international students in the US while they are not enrolled in classes. International students can review and visitors insurance USA and find Covid19 student travel insurance USA coverage that fit your needs.

Please know we are here to help you make the best, informed decision to get international students in usa Covid-19 insurance plans! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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