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Patriot Exchange Program Insurance

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Plan Brochure

Policy Certificate

Patriot Exchange Visitor Health Insurance for USA

Review Patriot Exchange Program is a plan for academic or cultural exchange exchange visitors to the USA, purchase coverage exactly from 5 up to 365 days, meets J1 visa insurance requirements. Patriot Exchange Insurance plan is suitable for exchange visitors to USA participating full-time is academic, research or cultural programs in USA or outside home country.

COVID-19 / SARS-CoV-2 / Coronavirus  Patriot Exchange Program plan still includes coverage for testing/treatment of COVID19 even after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.

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 5 or more individuals (10% 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 SiriusPoint Specialty Insurance Corporation, which is rated A “Excellent” by A.M. Best.

Patriot Exchange Insurance Review

Exchange Visitor Health Insurance USA  COVID-19 

Notes: Excellent policy with Covid-19 coverage for visitors to the USA, has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years. Non-renewable.

Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA only. The plan is available for both foreign nationals and expat US citizens visiting the U.S.

Coverage Duration: Minimum of 30 days to maximum of 1 year (365 days).


  • Member maximum limits: $50K to $1 million
  • Choice of deductible: $0 to $2,500
  • AD&D benefit: $25K (included), additional to $1 million

PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.

Renew or Extend: Plan is renewable, Renew for total duration of 48 months (4 years) of coverage.

Renew Online

Other Highlights

  • Foreign nationals visiting the USA
  • Sickness/injury plans for visitors to America
  • Acute-onset of pre-conditions included
  • Quote & purchase online for single trip
  • Child alone without adult purchase allowed
  • Optional hazardous sports activity riders

Patriot Exchange Insurance Policy Information

Patriot Exchange America Insurance is high-end first-class travel medical and visitor health coverage specially designed for the discerning tourist visiting America, relatives/parents visiting USA, or international travelers going abroad to any foreign destination country.

Patriot Exchange travel health insurance comes in two available Economys: Patriot Exchange America for the foreign nationals visiting USA and traveling to any other foreign country, and Atlas International for non-US and US citizens who are traveling abroad to any overseas destination outside the U.S.

  • Patriot Exchange America is for foreign nationals visiting USA or traveling outside their home country of residence.
  • Patriot Exchange International is for non-US or US citizens traveling abroad to any overseas destination.

Patriot Exchange Program Overview

Review the Patriot Exchange 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.
  • Coverage Suits:  Exchange visitors, students, cultural groups, and/or their spouses and unmarried dependent children traveling with them.
  • Group Policy: Groups may purchase customizable annually renewable long term plans.
  • Plan maximums limits up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
  • No coinsurance and choice of Deductible options
  • Renew: Plans are renewable up to 48 months if minimum of one month is purchased
  • Universal Rx pharmacy discount savings
  • No PPO Network, Freedom to seek treatment with hospital or doctor of your choice
  • 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.
  • Instant Purchase: Immediate coverage available, print virtual ID cards instantly after purchase.
  • Other Features: Return of Mortal Remains/Incidental Home Country Coverage
  • Policy Access: 24 hour secure access from anywhere in the world to manage your account at any time
  • Coverage Benefits: Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits. Covered charges is provided for eligible expenses and/or benefits only, examples include instances of Hospital Room and Board, Intensive Care Unit (ICU), Local Ambulance, Prescription Drugs, Physician visits, Surgeon Fees, Hospital Emergency Room (ER), Pre-admission tests and/or Diagnostics: X-Rays, Labs, MRI, etc. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits. Only eligible expenses and/or benefits are included, not all treatment instances are covered, not all Rx drugs covered including ongoing prescriptions, please refer to the “Exclusions” section as in the “Description of Coverage” sample document for list of plan exclusions.
  • Exclusions: Please refer to the “Description of Coverage” sample document for entire list of excluded items and exact policy term definitions.
  • Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
  • Administrator: Plan is administered by International Medical Group (IMG).

Patriot Exchange Program Details

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 SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Patriot Exchange Program - Plan Brochure

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

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.

Patriot Exchange Insurance PPO Network

Patriot Exchange plan does NOT have a specified PPO network of doctors or hospitals, you are free see care with any provider. If you need help in locating a provider, IMG has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.

  • Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network, however there is NO guaranteed savings.

Patriot Exchange Program Insurance - Quote/Buy Online or Apply

Quote, Apply & Buy the Patriot Exchange Program plan instantly online or print/complete the paper application along with the payment.

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.

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 Plan Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Patriot Exchange Program Insurance FAQ

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

Who needs the IMG Patriot Exchange Program plan?

Patriot Exchange Program Insurance for Exchange Visitors

Patriot Exchange Insurance is an affordable choice for international insurance, and the plan is available for exchange visitors participating cultural programs, or international students enrolled in full time academic study or research.

Patriot Exchange Program (PEP) plan meets the J1 visa insurance requirements set by the U.S. Department of State, as long as a maximum amount coverage selection is at least $100K and chosen deductible is $500 or lower. Patriot Exchange J1 insurance plan is suitable for J1 visa interns, medical residents, exchange visitors, au-pairs, and anyone holding a J1 or J2 visa dependents also.

The PEP plan is popular as an international student health insurance, and is designed also to meet the needs of international students, academic researchers and scholars. With the Patriot Exchange visitor visa insurance policy, students can find the plan that best fits their needs and budget, and coverage also meets or exceeds most government and visa requirements, plan is available for US F-1/F-2 or J-1/J-2 visa holders. The PEP plan includes coverage for student health center, eligible medical expenses, hospitalization, doctor visits, medical evacuation in emergency, repatriation of remains, and whole lot more, also meets the requirements of many universities and colleges.

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

Patriot Exchange Program Plan includes COVID-19 coverage

Effective July 1, 2020, both the IMG Patriot Exchange Program plan terms have been amended to include the current Public Health Emergency exclusion in their international student insurance policy wordings by issuing an endorsement that provides coverage for COVID-19 / coronavirus medical expenses. This endorsement will be added to all IMG customized student and exchange plans, and is applicable to the above-mentioned plans for all new and existing insureds.