Visitor Insurance Services

Visitors to USA & Travelers outside America

Patriot Exchange Insurance

Patriot Exchange Insurance or Patriot Exchange Program plan is designed for exchange visitors on J1 visa or foreign students studying in USA or international exchange visitors in any nation abroad, suits participants of cultural exchange programs also. Patriot Exchange is medical insurance for individuals, families and even groups needing coverage when involved in educational pursuit or cultural exchange outside their residence country.

Patriot Exchange Visitor Insurance is designed for students participating in international programs, cultural exchange participants such as J1 visa holders who are Au Pairs, graduates and international students, scholars and educators, and their dependents. Patriot Exchange plan coverage is designed to meet the U.S. J1 visa travel insurance requirements, quote, review, apply and buy online.

Patriot Exchange Travel Insurance is available in two choices: the Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange, while the Basic Short-Term Travel Plan is more of an economical plan. Both plans provide coverage for dependents and may be purchased in monthly increments. Plan maximums up to US$500,000 and is renewable up to 48 months if minimum of three months is purchased.

For detailed plan information, please review the Patriot exchange insurance brochure. If you want to buy the policy for a group of 2 or more individuals (group rate savings), please consider the Patriot group exchange insurance.

Patriot Exchange Insurance plan is administered by International Medical Group (IMG) and is underwritten by Sirius International Insurance Corporation, which is rated A “Excellent” by A.M. Best.

Quote and Buy Patriot Exchange Insurance online
Review the Patriot Exchange Program Brochure
Review the Patriot Exchange Insurance Certificate

Patriot Exchange Program Review

Review the Patriot Exchange Program Insurance policy summary and plan highlights of coverage:

Eligibility: Short-term health plan for cultural exchange participants and families needing medical coverage in USA or abroad.
Plan maximums limits up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
No coinsurance and choice of Deductible options
Plans are renewable up to 48 months if minimum of one month is purchased
Coverage for students, groups, and/or their spouses and unmarried dependent children traveling with them
Groups may purchase customizable annually renewable long term plans
Freedom to seek treatment with hospital or doctor of your choice
Universal Rx pharmacy discount savings
24 hour secure access from anywhere in the world to manage your account at any time
Student Health Center $5 co-pay per visit
Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance
Emergency medical evacuation coverage available.
Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits.
Return of Mortal Remains/Incidental Home Country Coverage
Immediate coverage available, print virtual ID cards instantly after purchase.
Freedom to seek treatment with hospital or doctor of your choice
COVID-19: Plan INCLUDES coverage for testing/treatment of coronavirus for policy purchased on/after July 1, 2020 – The Patriot Exchange Program (PEP) plan does NOT exclude Covid-19.

Patriot Exchange Program Insurance – Quote/Buy Online or Apply

Quote/Apply/Buy instantly online or print/complete the paper application along with the payment.

Quote/Buy Online: Get instant quote & Buy Patriot Exchange Program coverage online.
Application Form: Complete, mail/fax the IMG Patriot Exchange Program Paper Application along with requisite premium payment.

Patriot Exchange Program – Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.

Plan Brochure: Review the Patriot Exchange Program Plan Brochure for plan information.

Patriot Exchange Program – Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

Certificate of Insurance: Review all the policy details available in the Patriot Exchange Program Insurance Certificate which is the detailed sample document of the master policy.

Patriot Exchange Insurance PPO Network

IMG Patriot Exchange Program Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Patriot Exchange Plan Renew/Extend Coverage

The coverage can be extended or renewed for an unexpired policy certificate to extend the coverage has to be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months. A $5 renewal additional fee apples for each renewal application.

Renew Policy: Extend the policy coverage dates using IMG Patriot Exchange Program Plan Renew Online.

Patriot Exchange Program Insurance Client Dashboard

IMG Patriot Exchange Program client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

Client Dashboard: Access the IMG Patriot Exchange Program coverage on the IMG Client Resources dashboard for existing policyholders.
Claim Form: Download and submit the IMG Patriot Exchange Program Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Patriot Exchange Program Review

Patriot Exchange Program review of policy benefits with plan highlights of coverage.

Policy Maximum	Patriot Exchange Plan provides a maximum medical coverage limit of up to $5,000,000
Deductible	Plan deductible choices of $0, $100, $250 or $500 per illness or injury available
Inpatient/Outpatient Benefits	Hospital Room and Board: Up to the average semi-private room rate Intensive Care Unit: Plan pays 100% after deductible is met Physical Therapy: Plan pays 100% after deductible is met; one visit per day. (Medical order or treatment plan is required) Bedside Visit: $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible Physician Visit: Company pays 100% after deductible is met; one visit per day Student Health Center: $5 copay per visit. Not subject to deductible Prescription Drugs: Company pays 100% after deductible is met 90 day dispensing maximum Urgent Care: $50 copay. Not subject to deductible. Copay is not applicable if you choose a $0 Deductible Walk-in Clinic: $20 copay. Not subject to deductible. Copay is not applicable if you choose a $0 Deductible	Eligible Medical Expenses: Company pays 100% after deductible is met Emergency Room: ER visit followed by in-patient admission, plan pays 100% after deductible is met. ER visit without in-patient admission has an additional $250 deductible Inter-facility Ambulance Transfer: For Services Rendered in the U.S., plan pays 100%. Transfer must be a result of an inpatient hospital admission Not subject to deductible Dental: Non-emergency treatment at a dental provider due to an accident: $500 period of coverage limit per injury; Treatment due to unexpected pain to sound, natural teeth: $350 period of coverage limit Mental or Nervous / Substance Abuse: Not covered if incurred in student health center. Inpatient: $10,000 maximum limit. Outpatient: $50 maximum limit per day, $500 maximum limit.
Evacuation Benefits	Emergency Medical Evacuation: $50,000 maximum limit, not subject to deductible. Emergency Reunion: $15,000 maximum limit, not subject to deductible. Return of Mortal Remains or Cremation/Burial: $25,000 maximum limit for return of mortal remains or $5,000 maximum limit for cremation/burial, not subject to deductible. Political Evacuation and Repatriation: $10,000 maximum limit, not subject to deductible.
Additional Benefits	Accidental Death & Dismemberment: $25,000 principal sum; Not subject to deductible Terrorism: $50,000 maximum limit; Not subject to deductible Pre-existing Condition: For Sudden & Unexpected Recurrence, eligible medical expenses of $5,000 maximum limit, and emergency medical evacuation up to $25,000 maximum limit. For conditions existing within 36 months before effective date, charges excluded until after 12 months of coverage and then $500 per period of coverage and $1,500 maximum limit. Incidental Trip Coverage: Up to a cumulative 14 days, available for non-U.S. residents only.
Optional Add-on Riders	Lost Personal Property: $250 per period of coverage limit Legal Assistance: $500 per period of coverage limit Personal Liability Injury to third party, $2,000 per period of coverage limit after $100 deductible. Damage to third party’s property, $500 per period of coverage limit after $100 deductible.
Plan Administrator	Patriot Exchange Insurance policy is administered in USA and worldwide by IMG Insurance.
Plan Underwriter	Patriot Exchange Insurance coverage is underwritten and issued by Sirius International Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Disclaimer: Eligible Medical Expenses are limited to Usual, Reasonable and Customary (URC) Limits per Period of Coverage unless stated as Maximum Limit. Groups may also purchase a customizable long-term plan. Any coverages, benefits and premium rates offered are in U.S. Dollars. Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Patriot Exchange Program Insurance FAQ

Below are some of the questions frequently asked (FAQs) with the Patriot Exchange Program (PEP) plan:

Does the IMG Patriot Exchange Program plan cover COVID-19?

Visitor Insurance Services

Visitors to USA & Travelers outside America

Patriot Exchange Insurance

Patriot Exchange Program Review

Patriot Exchange Program Insurance – Quote/Buy Online or Apply

Patriot Exchange Program – Plan Brochure

Patriot Exchange Program – Certificate of Insurance

Patriot Exchange Insurance PPO Network

Patriot Exchange Plan Renew/Extend Coverage

Patriot Exchange Program Insurance Client Dashboard

Patriot Exchange Program Review

Patriot Exchange Program Insurance FAQ

Patriot Exchange Program Plan Covers COVID-19

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