IMG Patriot Exchange Program Insurance
IMG Patriot Exchange Program insurance provides medical coverage for students, families, and groups of two or more people while studying abroad. It also covers cultural exchange program participants. It is a budget-friendly plan available for a minimum of 30 days and can be renewed to a maximum of 48 continuous months. Most coverage options satisfy J1 and J2 visa requirements. The Patriot Exchange health insurance program provides effective coverage 24 hours a day while you are away from home.
This plan offers a streamlined array of benefits to ensure you are covered while you are abroad. It covers inpatient and outpatient treatment, emergency and non-emergency dental, and it 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.
IMG Patriot Exchange Program insurance provides medical coverage for students, families, and groups of two or more people while studying abroad. It also covers cultural exchange program participants. It is a budget-friendly plan available for a minimum of 30 days and can be renewed to a maximum of 48 continuous months. Most coverage options satisfy J1 and J2 visa requirements. The Patriot Exchange health insurance program provides effective coverage 24 hours a day while you are away from home.
This plan offers a streamlined array of benefits to ensure you are covered while you are abroad. It covers inpatient and outpatient treatment, emergency and non-emergency dental, and it 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.
Ready to purchase a Patriot Exchange plan?
Click to get a free quote and apply online today!
Patriot Exchange Highlights
Patriot Exchange Schedule of Benefits
| Plan Details | In-Network | Out-of-Network | International |
|---|---|---|---|
| Maximum Limit | $5,000,000 | ||
| Deductible Options | $0, $100, $250, or $500 per Illness or Injury available | ||
| Coinsurance | Plan pays 90%; Insured pays 10% | Plan pays 80%; Insured pays 20% | Plan pays 100% |
| Out of Pocket Maximum | $1,000 | Up to the Maximum Limit | $0 |
| Inter-facility Ambulance Transfer, Emergency Medical Evacuation | No coverage if pre-certification requirements are not met | ||
| Pre-Existing Conditions | Period of Coverage Limit (after 12 months): $500; Maximum Limit: $1,500 | ||
| Student Health Center Copayment per Visit | $5 | ||
| Benefit | In-Network | Out-of-Network | International |
|---|---|---|---|
| Eligible Medical Expenses | 90% | 80% | 100% |
| Physician/Specialist Visit | |||
| Urgent Care $50 copayment | |||
| Walk-in Clinic $20 copayment | |||
| Hospital Emergency Room | |||
| Hospitalization/Room & Board Average semi-private room rate | |||
| Intensive Care | |||
| Bedside Visit Maximum limit: $1,500 | |||
| Outpatient Surgical/Hospital Facility | |||
| Laboratory | |||
| Radiology/X-ray | |||
| Pre-admission Testing | |||
| Surgery | |||
| Reconstructive Surgery | |||
| Assistant Surgeon | |||
| Anesthesia | |||
| Durable Medical Equipment | |||
| Chiropractic Care Medical order or Treatment plan required | |||
| Physical Therapy Medical order or Treatment plan required | |||
| Extended Care Facility | |||
| Home Nursing Care Provided by a Home Health Care Agency | |||
| Prescription Drugs and Medication Period of Coverage limit: $250,000 per person | |||
| Inpatient Mental or Nervous/Substance Abuse Maximum Limit: $10,000 | |||
| Outpatient Mental or Nervous/Substance Abuse Maximum Limit: $500 |
| Benefit | In-Network | Out-of-Network | International |
|---|---|---|---|
| Emergency Local Ambulance | 100% | 100% | 100% |
| Emergency Medical Evacuation Maximum Limit: $50,000 | 100% | 100% | 100% |
| Emergency Reunion Maximum Limit: $15,000 | 100% | 100% | 100% |
| Inter-facility Ambulance Transfer | 100% | 100% | N/A |
| Political Evacuation and Repatriation Maximum Limit: $10,000 | 100% | 100% | 100% |
| Repatriation for Medical Treatment Maximum Benefit: $100,000 | 100% | 100% | 100% |
| Return of Mortal Remains Maximum Limit: $25,000 | 100% | 100% | 100% |
| Benefit | In-Network | Out-of-Network | International |
|---|---|---|---|
| Terrorism Maximum Limit: $50,000 | 100% | 100% | 100% |
| Dental Treatment | N/A | 90% | 100% |
| Traumatic Dental Injury | 90% | 80% | 100% |
| Accidental Death & Dismemberment Principal Sum Maximum: $25,000 | Accidental Death: 100% of Principal Sum | ||
| Accidental Dismemberment: Sight of 1 eye: 50% 1 hand or 1 foot: 50% 1 hand and loss of sight of 1 eye: 100% 1 foot and loss of sight of 1 eye: 100% 1 hand and 1 foot: 100% Both hands or both feet: 100% Sight of both eyes: 100% | |||
| Incidental Trip Maximum Days: 14 | 90% | 80% | 100% |
| Benefit | In-Network | Out-of-Network | International |
|---|---|---|---|
| Personal Liability | 100% | ||
| Lost Personal Property $250 per period of cover age limit | 100% | ||
| Limited High School and College Sports | 100% | ||
| Legal Assistance | $500 period of coverage limit | $500 period of coverage limit | $500 period of coverage limit |
| Mobile Device Protection Rider Individual plan only | Coverage for repair or replacement of your cell phone if it is lost, stolen or accidently damaged on your trip. | ||
Ready to purchase a Patriot Exchange plan?
Click to get a free quote and apply online today!
IMG Patriot Exchange Program Insurance Rates
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.
Please review the Patriot Exchange deductible options in the table below.
If you are traveling with a group (defined as two or more people), please request a group quote for a group rate.
Patriot Exchange Individual Daily Rates – Calculated with $0 Deductible
Coverage Including the USA
| Age | Maximum Limit | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | |
| 31 days - 24 years | $2.63 | $3.00 | $3.21 | $3.46 |
| 25-49 | $3.46 | $3.91 | $4.25 | $4.46 |
| 50-64 | $7.29 | $8.41 | $9.04 | $9.54 |
Rates were last updated on March 17, 2025
Coverage Excluding the USA
| Age | Maximum Limit | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | |
| 31 days - 24 years | $1.79 | $2.16 | $2.29 | $2.38 |
| 25-49 | $2.16 | $2.46 | $2.71 | $2.84 |
| 50-64 | $5.59 | $6.00 | $6.88 | $7.29 |
Rates were last updated on March 17, 2025
Ready to purchase a Patriot Exchange plan?
Click to get a free quote and apply online today!
IMG Patriot Exchange Program Eligibility Requirements
IMG designed the Patriot Exchange health insurance program for students, scholars, interns, teachers, and trainees who participate in an educational or cultural exchange program 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.
Related: Student Health Advantage Plan
Ready to purchase a Patriot Exchange plan?
Click to get a free quote and apply online today!
FAQs about the IMG Patriot Exchange Program
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 J1 and J2 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 can apply online or fill out a printed application form and return it directly to IMG.
You must present claims to IMG for payment within 180 days from the date the claim was incurred. Claims can be submitted online, emailed, or mailed to International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333, USA.
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
Ready to purchase a Patriot Exchange plan?
Click to get a free quote and apply online today!
