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Patriot Group Exchange

Underwriter: SiriusPoint Speciality Insurance Corporation
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
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Patriot Group Exchange (A.M. Best Rating: A) is a travel medical insurance plan for exchange programs, mission trips, educational travel, and other organized groups. It helps satisfy J visa insurance requirements while providing comprehensive medical coverage, emergency assistance, and convenient group enrollment. Coverage is available from 1 month to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 90% of eligible medical expenses up to $1,000, then 100% thereafter, up to the selected policy maximum. Outside of the PPO network, the plan will pay 80% in eligible medical expenses, up to the selected policy maximum.

Patriot Group Exchange does not cover pre-existing conditions. Patriot Group Exchange Includes limited coverage for pre-existing conditions after 12 months of continuous coverage, up to $500 per period of coverage and $1,500 maximum lifetime benefit.

Review the Patriot Group Exchange policy documents for complete coverage details, exclusions, and limitations.
Plan BrochureSample Description of Coverage
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How Patriot Group Exchange Works

After the deductible, plan pays 90% of eligible medical expenses up to $1,000 per incident, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum

In Network

90%

After deductible, 90% of first $1,000, 100% thereafter
See How Patriot Group Exchange Works.

Out of Network

80%

After deductible, 80% up to policy maximum

PPO Network for Patriot Group Exchange

Inside the USA

The PPO provider for Patriot Group Exchange Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.

When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Patriot Group Exchange policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.

View Providers in USA

Outside the USA

There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for IMG.

View Providers Outside USA

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Medical Coverage
Medical Coverage
Included
Emergency Dental Coverage
Emergency Dental Coverage
Up to $500
Incidental Trip
Incidental Trip
Included
Medical Evacuation
Medical Evacuation
Included
Lab & X-Rays
Lab & X-Rays
80% up to policy maximum
Medical Evacuation
Medical Evacuation
Up to $50000
Urgent Care
Urgent Care
$50 copay, 80% up to Policy Maximum
Prescription Rx - Medicine
Prescription Rx - Medicine
90% of first $1000, 100% thereafter
Medical Coverage
Medical Coverage
Included
Lab & X-Rays
Lab & X-Rays
80% up to policy maximum
Emergency Dental Coverage
Emergency Dental Coverage
Up to $500
Medical Evacuation
Medical Evacuation
Up to $50000
Incidental Trip
Incidental Trip
Included
Urgent Care
Urgent Care
$50 copay, 80% up to Policy Maximum
Medical Evacuation
Medical Evacuation
Included
Prescription Rx - Medicine
Prescription Rx - Medicine
90% of first $1000, 100% thereafter

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.

Eligibility for Patriot Group Exchange

  • For international travelers on a J1/J2, M, F, or A visa
  • For those ages 31 days to 64 years
  • Coverage for a minimum 5 days up to a maximum of 48 continuous months
  • Extendable for up to 48 months
  • If initially purchased for a minimum of 5 days or more, coverage may be renewed
Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Available Policy Maximums
Available Policy Maximums
$50K $100K $250K $500K
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
$0 $100 $250 $500
Limits may vary based on age or destination of traveler
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions
Period of Coverage Limit (after 12 months): $500
Maximum Limit: $1,500
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.

Please review your policy document for any other limits or exclusions.

Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient

Out-Patient

Medical treatment that does not include an overnight stay at a hospital.

Prescription Drugs / Medicines
Prescription Drugs / Medicines
90% of first $1,000, 100% thereafter
90% $1,000 100%
Dr. / Physician Visit
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Urgent Care
In-Network
In-Network
$50 copay, 90 % of first $1,000, 100% thereafter
$50 90% of first $1,000 100%
Out-Network
Out-Network
$50 copay, 80% up to Policy Maximum
$50 80%
Surgical Treatment
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Lab & X-rays
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
In-Patient

In-Patient

Medical treatment that includes an overnight stay at a hospital.

Hospital Room and Board
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Dr. / Physician Visit
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Surgical Treatment
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Emergency Services

Emergency Services

Hospital emergency services (certain limits may apply).

Ambulance Expenses
In-Network
In-Network
Up to 100%
100%
Out-Network
Out-Network
Up to 100%
100%
Emergency Room
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Dental Coverage

Dental Coverage

Treatment for injury to or acute and spontaneous pain in sound natural teeth.

Dental Emergency
Dental Emergency
Up to $500
Travel Coverage

Travel Coverage

Travel-related coverage

Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $50,000
Return of Mortal Remains
Return of Mortal Remains
Up to $25,000
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Not covered
Terrorism
Terrorism
Up to $50,000
Personal Liability
Personal Liability
Optional Coverage:
  • 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 $100deductible
    • Identity Theft
    Identity Theft
    Not covered
    Legal Fees
    Legal Fees
    Optional Coverage: Up to $500
    Lost or Stolen Passport
    Lost or Stolen Passport
    Not covered
    Missed Connection
    Missed Connection
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    Doctor Wellness Visit
    Doctor Wellness Visit
    Not covered
    Preferred Rates
    Preferred Rates
    Not covered
    Patriot Group Exchange Exclusions

    Patriot Group Exchange Exclusions

    What is not covered

    Manage Your Policy Online

    Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

    Helpful Links

    Claims Contact Information

    Send Claim Form to:
    Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
    Apple Valley, MN 55124 USA
    317-655-4500
    imgcustomercare@imglobal.com
    Administrator Contacts:
    800-628-4664 or 317-655-4500
    imgcustomercare@imglobal.com
    Claims Form(s):
    Download Insurance Claim Form

    This program is designed for students and scholars studying abroad or participants of cultural exchange programs. To be eligible, members must be actively engaged in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school, or be the spouse or dependent of a participating student, traveling with them.

    Your plan must become effective within 180 days of your arrival in the United States. The coverage period ranges from a minimum of 5 days to a maximum of 48 months. This plan is available for individuals aged between 31 days and 64 years.
    Coverage begins when the group member and their traveling dependents have legally departed their home country, entered the host country, and are not citizens of the host country.

    Yes, after 12 months of continuous coverage, this plan covers up to $500 per year; $1,500 lifetime maximum for pre-existing conditions.

    For more details & exclusions regarding the pre-existing conditions, please check the Inbound Guest plan brochure.

    Within the U.S., the network provider for this plan is UnitedHealthcare Network. Or you can choose to go to any doctor of your choice.

    Please refer to the following article for the claim process: Visitor Insurance Claim Process

    Please refer to the following article about the policy usage: How to use Visitor Insurance?

    Each insurance company may have state-specific regulations on where their plans can be sold, affecting only residents of those states. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period

    Yes, if you purchase the plan initially for a minimum of 5 days, coverage may be extended for a total of up to 48 months.

    Yes, you can cancel this plan. Full refund is available if you request for cancellation before the start date. After the start date, a refund for the unused days is available if no claims have been made. $50 Cancellation fee is applicable.


    You will need full name(s), coverage dates, date(s) of birth, home country address, and a valid credit card.

    The online confirmation/virtual ID card serves as proof of insurance and can be presented to the doctor or hospital. When completing the online application, choosing online fulfillment means you'll receive everything via email

    Coverage will be provided in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates. Note: If any part of your trip includes the United States, please select it as your destination country.
    Patriot Group Exchange can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
    Coverage begins on the selected date and once the policyholder leaves their home country. It covers unexpected new conditions acquired after the start date.
    Only the primary destination will be listed on the policy documents, but all eligible countries will still be covered during the policy period.

    The travel medical insurance plan starts coverage on the date of departure (12:01 am EST) and once the traveler leaves their home country. Coverage applies worldwide outside the home country as long as the policy is active. Coverage ends immediately upon re-entry into the home country and at 12:01 am EST on the last coverage date.

    No, your Patriot Group Exchange plan won't be extended or renewed automatically. You will need to sign into your account online and manually activate the extension or renewal before the policy expires. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
    The Patriot Group Exchange plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan-specific documents for any limits or exclusions.
    Patriot Group Exchange will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
    The Patriot Group Exchange plan does not offer any coverage for quarantine.

    Yes, this plan provides coverage for the participant's spouse and unmarried dependent children traveling with them. Spouse and dependents can apply for coverage by themselves if they hold a J2 visa, and the J1 visa holder who is participating in the educational or cultural exchange program has purchased a plan through that program.

    First, purchase the Patriot Group Exchange Insurance. After your purchase (enrollment) is complete, simply fax or email your school's Compliance or Waiver Form to (317.665.4505 or email: support@visitorscoverage.com). We will complete it and fax it back to your school for you.

    No, this plan does not cover for pregnancy.

    The insurance provider recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.
    The Collision Add-On rider covers up to $50,000 for collision sports, $250 for lost baggage, $500 for legal assistance fees, and up to $2,000 for personal liability.

    Collision sports involve participants intentionally hitting or colliding with each other or objects including American football, boxing, ice hockey, lacrosse, full-contact martial arts, rodeo, rugby, and wrestling.
    The Non-Collision Add-On rider covers medical expenses for non-collision sports, up to $250 for lost or stolen baggage, $500 for legal assistance fees, and up to $2,000 for personal liability.

    A non-collision sports activity is one undertaken by amateurs for recreational, entertainment, or fitness purposes, without collisions.

    The Adventure Sports Rider offered in the Patriot Group Exchange plan must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and 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. PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

    The Mobile Device Protection rider is an optional coverage that can cover the insured's cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.

    Learn more from informative articles at Visitor Insurance Information section.

    Patriot Group Exchange can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

    The Patriot Group Exchange plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
    If your original payment method is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing.

    You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

    Have specific questions about this plan?

    AI Assistant Patriot Group Exchange

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    Disclaimer

    Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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    Optional add-on benefits

    Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

    Disclaimer:
    Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

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