Patriot Exchange Insurance Reviews

Best for F1 & J1 students visa holdersCOVID-19 CoverageMedical CoveragePre-existing conditions

Patriot Exchange Insurance Cost

Age & Citizenship
Destinations
Start Date
End date

Patriot Exchange student insurance

Patriot Exchange student insurance is an international student health insurance plan offered by IMG (International Medical Group) 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. The plan offers comprehensive medical benefits, including hospitalization, doctor visits, emergency medical evacuation, prescription drugs, and more, ensuring that students have access to necessary medical care while away from home. The plan meets the US visa requirements for J1 and J2 visa holders, as well as other visa types.

The plan covers 100% of eligible expenses after the deductible within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US. Outside the US, the plan covers 100% of eligible expenses after the deductible. This plan offers coverage for minimum of 1 month up to 12 months and it can be renewable up to 48 months. It offers $5 co-pay per visit to Student Health Center. Offers 24/7 access to tele-health providers for non-emergency care within the US. covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.

Key benefits of Patriot Exchange Insurance

Comprehensive plan

COVID-19 covered

Pre-existing conditions

PPO network

24/7 access to tele-health provider

Adventure sports

Patriot Exchange Insurance Review

Policy maximum
$50k $100k $250k $500k $5M
Deductible options
$0 $100 $250 $500
Insurance provider
International Medical Group
Patriot Exchange rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Patriot Exchange insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.
Plan life -12 months.
Patriot Exchange Insurance can be renewed online up to 48 months.
Coinsurance of IMG Patriot Exchange
In Network - The plan pays 90%
90%
Out of Network
80%

The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Patriot Exchange Links

  • Brochure
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider network
  • Group Quotes
  • Comprehensive
Key Highlights of Visitors Care

Patriot Exchange USA Insurance - Key Highlights

  • 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.

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.

Patriot Exchange Student Insurance

  • Covers individuals involved in educational or cultural exchange.
  • Provides lifetime maximum of $5 million.
  • Coinsurance: Plan pays 100%
  • Optional coverage for adventure sports up to $50,000.
  • View complete details of benefits
NEED HELP?

Contact our customer service team, we are here to help you!

A working example of using Patriot Exchange insurance *

Let us take an example: The medical bill is $29,600; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims : After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $29,600
The Patriot Exchange USA Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in Hospital $2,000/day for 3 days $6,000 $0
Surgery $20,000 $20,000 $0
Prescription $2,000 $2,000 $0
X Ray $1,500 $1,500 $0
Total $29,600 $29,500 $100
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Covid19 IMG student insurance for Coronavirus

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

Patriot Exchange USA Insurance Information

  • Patriot Exchange USA Insurance Advantages

    • Patriot Exchange Covid19 student insurance by IMG for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    • If the policy is purchased for a minimum of 1 month, policy can be renewed till 48 months.
    • $500,000 coverage plan available with a lifetime maximum of $5000,000.
    • This plan offers Coinsurance 90% up to $10,000, 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.
    • This plan covers for medical evacuation, repatriation, emergency reunion.
    • Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.
    • Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.
    • Discounted prices for pharmacy prescriptions at universal Rx pharmacy.
    • Covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
  • Patriot Exchange USA Insurance Disadvantages

    • The policy cannot be renewed if purchased for less than 1 month.
    • Does not cover pregnancy.
Compare Patriot Exchange vs Student Health Advantage
Click Here »

Important terms of Patriot Exchange Student Insurance Reviews?

  • Plan Maximum coverage of Patriot Exchange Student insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot Exchange Student insurance offers maximum coverage up to $5,000,000.
  • What is a deductible in Patriot Exchange Student insurance?
    This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Patriot Exchange Student insurance offer a set of deductible options for the students to choose from. Patriot Exchange Student insurance has a range of deductible options are $0, $100, $250 or $500.
  • What is coinsurance in Patriot Exchange Student insurance?
    This is a percentage of the bill that the student has to pay. Patriot Exchange Student plan pays 100% coinsurance.
  • What is a provider network of Patriot Exchange Student Medical Insurance?
    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.
  • Renewability of Patriot Exchange Student student health insurance
    Patriot Exchange Student Insurance can be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months.
  • Patriot Exchange Student Pre-existing conditions for international students.
    Patriot Exchange Insurance covers Pre-existing conditions after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
  • Underwriter and Rating of Patriot Exchange Insurance
    Patriot Exchange Student Underwritten by White Mountains Insurance Group Company and rating AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Get quotes for Patriot Exchange student Insurance!

Review and compare the best Patriot Exchange student Insurance quotes.

Compare Patriot Exchange student Insurance quotes »

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.

Find Provider Network

Patriot Exchange program review - Frequently asked questions

Patriot Exchange USA Student Insurance - FAQ's

01. 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.

02. 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.

03. 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 $50,000, $100,000, $250,000, or $500,000 per injury/sickness. This plan offers Coinsurance 90% up to $10,000, 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.

04. 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.

05. 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.

06. 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.

07. 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.

08. How long can I renew Patriot Exchange?

Eligible insured can request coverage under the plan be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.

09. 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. Patriot Exchange Covid19 insurance

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

15. 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.

16. 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

17. What are the benefits of Patriot Exchange student travel Insurance?

Patriot Exchange student Insurance offers a range of benefits, such as:

  • Medical benefits of up to $5M per policy period
  • Deductible options from $0 to $500 per injury or illness
  • Coinsurance of 100% within the provider network in the US, and 80% up to $5K and then 100% outside the network in the US
  • Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $2,500 for US citizens under age 65
  • Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70
  • Emergency medical evacuation and repatriation of remains benefits
  • Accidental death and dismemberment benefit
  • Terrorism coverage
  • Sports and leisure activities coverage
  • Identity theft assistance

18. 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

19. 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

20. 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.

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.

Steps to buy student insurance


Complete the quote form by entering your information

Review the best insurance plans of reliable US providers

Compare student insurance plans based on price and benefits

Select the best student insurance for your needs and buy it online

Resourceful links of Patriot Exchange Insurance

Patriot Exchange Insurance FAQ

Frequently asked questions and answer about travel insurance plans.

Read more »

Patriot Exchange insurance blog

Blog about cheap travel health insurance from IMG.

Read more »

Patriot Exchange insurance forum

Customer queries about Student Health Advantage insurance plan.

Read more »

IMG trip cancellation

Compare and review benefits of IMG trip plans.

Read more »