Patriot Exchange offers reliable, budget-friendly coverage for students and cultural exchange travelers, meeting J1 visa rules with global medical benefits.
IMG Patriot Exchange Program travel medical insurance provides medical coverage for students, families, and groups of two or more people while studying abroad. It also covers participants in cultural exchange programs. It is a budget-friendly plan available for a minimum of 30 days and can be renewed for up to 48 continuous months. Most coverage options meet the requirements for J1 and J2 visas. The Patriot Exchange health insurance program provides adequate coverage 24 hours a day while you are away from home.
This plan provides a comprehensive array of benefits to ensure you are covered while abroad. It covers inpatient and outpatient treatment, emergency and non-emergency dental care, and handles COVID-19 treatment the same as any other illness. It also offers add-on coverage for lost personal property, high school and college sports, legal assistance, and more. With IMG Patriot Exchange Program insurance, you don’t have to worry about your health while you’re abroad.
We have provided rates for the IMG Patriot Exchange Program insurance plan below. The rate tables show the daily rates for a Patriot Exchange plan, including and excluding U.S. coverage.
Patriot Exchange Program rates are based on the subscriber’s age and whether the primary (student or scholar) is traveling with a spouse or dependent child. Plan rates are also based on deductible options. A deductible is an amount a subscriber pays out of pocket before IMG begins to pay for covered services. A deductible must be paid once during the covered period.
If you are traveling with a group (defined as two or more people), please request a group quote for a group rate.
Individual Daily Rates
Coverage Including the USA
Maximum Limit
$50,000
$100,000
$250,000
$500,000
31 days-24 years
$2.63
$3.00
$3.21
$3.46
25-49 years
$3.46
$3.91
$4.25
$4.46
50-64 years
$7.29
$8.41
$9.04
$9.54
Rates* were last updated on March 17, 2025
Coverage Excluding the USA
Maximum Limit
$50,000
$100,000
$250,000
$500,000
31 days-24 years
$1.79
$2.16
$2.29
$2.38
25-49 years
$2.16
$2.46
$2.71
$2.84
50-64 years
$5.59
$6.00
$6.88
$7.29
Rates* were last updated on March 17, 2025
*Individual daily rates were calculated using a $0 deductible.
IMG Travel Health Insurance for Students
Secure your health while studying abroad with trusted IMG plans.
IMG designed the Patriot Exchange health insurance program for students, scholars, interns, teachers, and trainees participating in educational or cultural exchange programs to teach, study, research, or receive on-the-job training for a temporary period.
To be eligible to apply to the Patriot Exchange Program plan, participants must:
Be a participant in an educational or cultural exchange program abroad.
Be the spouse or dependent of a participant and reside outside his/her home country for a temporary period.
Hold a J, M, F, or A Visa.
Be at least 31 days old and not yet 65 years old.
Be physically and legally residing in the destination country for at least 30 days.
Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date.
The Patriot Exchange Program was designed to meet the insurance requirements for individuals and groups of two or more students studying abroad or participating in a cultural exchange program, including J-1 and J-2 visa holders.
Travelers should purchase travel medical insurance in case of any illness or injury endured while abroad. Most home-country insurances do not provide coverage for medical expenses acquired abroad. Therefore, travelers would benefit from travel medical insurance by maintaining peace of mind that they are protected while abroad. In addition, travel medical insurance is required by some programs, certain visa types, and is mandated by some countries for entry.
IMG has served over one million people in more than 170 countries through its dedicated efforts to providing top-notch international medical insurance, travel insurance, and world-class services.
IMG’s U.S. medical network is provided by UnitedHealthcare and gives travelers access to over 1.4 million physicians and facilities across the U.S.
IMG’s international network access is provided through their proprietary IPA (International Provider Access) network, including over 18,000 physicians and facilities.
Eligible insureds may renew their coverage for a minimum of 5 days and a maximum of 48 continuous months, as long as the premium is paid when due.
You must present claims to IMG for payment within 180 days from the date the claim was incurred. Claims can be submitted faster and more easily using the MyIMG online portal.
IMG can pay claims for eligible medical expenses in 2 ways:
Eligible expenses that have been paid by or on behalf of the insured person may be reimbursed by check directly to the insured person.
Eligible expenses that the insured person has not yet paid may, at the option of IMG, be paid either to the insured person or directly to the provider
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