US Travel Insurance Online

 (877) 340 7910
International Medical Group

Patriot Group Exchange Insurance

Patriot Group Exchange insurance eligibility

  • Available to groups of 5 or more students or participants.
  • This plan is open to all students who are pursuing academic activities outside of their home country and their dependent.
  • The plan is also open to F2 and J2 Visa holders when the F1 or J1 visa holder has been given coverage by the University or Institute.

Pre-existing condition coverage

A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.

  • For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $50,000 lifetime maximum.
  • Sudden recurrence of pre-existing conditions (US citizens)
    • Medical - Up to $5,000 of the eligible expenses.
    • Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses.

Patriot Group Exchange Insurance Reviews

Patriot Group Travel Insurance
Deductible Options
$100 per each injury or sickness.
Patriot Group Exchange insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life - May be renewed up to 48 months
Policy Maximum: Standard Plan Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000.

Patriot Group Exchange Insurance related links

Plan highlights of Patriot Group Exchange Insurance

buy TATA AIG travel insurance
Optional Add on Plan

Loss of personal property: $250 maximum

Legal Assistance: $500 maximum
Personal Liability:

  • Injury to third party: $2000 limit after $100 deductible.
  • Damage to third person property: $500 maximum after $100 deductible.

High School Sports: Usual, Reasonable and Customary charges

TATA AIG traveler outside India
Patriot Group Exchange insurance coinsurance

No coinsurance

Get quotes for Patriot Group Exchange Insurance!

Review and compare the best Patriot Group Exchange Insurance quotes.
Compare Patriot Group Exchange quotes
Find the best insurance quotes 

Patriot Group Exchange insurance links

Headset
Get connected

IMG Patriot Group Exchange insurance - Frequently asked questions

Does Patriot Group Exchange insurance cover Covid ? Does Patriot Group Exchange insurance cover Coronavirus?

Patriot Group Exchange insurance does not provide covid coverage, however Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. IMG Patriot America Plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Yes Patriot Group Exchange insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot Group Exchange insurance within a 6 month time period after arriving in the US.

International Medical Group (IMG) offers the Patriot Group Exchange insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot Group Exchange Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:

Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

Yes Patriot Group Exchange insurance is available up to a maximum of 364 days. Visitors to USA can Renew Patriot Group Exchange insurance online to extend their coverage.

Travel insurance for Coronavirus Covid

Covid19 health insurance plans for international students in the US

Click here to read more

Plan benefits of Patriot Group Exchange insurance

inpatient  In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot Exchange group insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Eligible medical expenses? Up to the maximum limit
Hospital room and board? Average semi-private room rate, including nursing services
Surgery? Up to the maximum limit
Intensive care unit? Up to the overall maximum limit.
Physician visits? Company pays 100% after deductible is met; one visit per day
Hospital indemnity? $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Bedside visit? $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Prescription drugs and medications? Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days))
Physical Therapy? Up to the maximum limit (Medical order or treatment plan required)
Urgent Care Clinic? $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic? $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray? Up to the maximum limit
Laboratory? Up to the maximum limit
Outpatient Surgical / Hospital Facility? Up to the maximum limit
Chemotherapy / Radiation Therapy? Up to the maximum limit
Pre-Admission Testing? Up to the maximum limit
Assistant Surgeon? 20% of the primary surgeon’s eligible fee
Anesthesia? Up to the maximum limit
Reconstructive Surgery? Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Chiropractic Care? Up to the maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Emergency local ambulance? Up to the maximum limit
Hospital emergency room? Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer? Company pays 100%
Emergency eye examination? $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Emergency dental treatment? $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic dental injury? Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency medical evacuation? Up to $1,000,000
Return of mortal remains or cremation/burial? Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children? $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation? $100,000 maximum limit. Not subject to deductible
Emergency reunion? $100,000 maximum limit. Not subject to deductible
Natural disaster evacuation? $25,000 maximum limit. Not subject to deductible
Trip interruption? $10,000 maximum limit. Not subject to deductible
Lost luggage? $50 per item, $500 maximum limit. Not subject to deductible
Identity theft? $500 maximum limit. Not subject to deductible
Natural disaster? $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism? Up to $50,000 maximum limit. Not subject to deductible
Small pet common air carrier accidental death? $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Accidental death & dismemberment? $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Common carrier accidental death? $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Sudden and Unexpected Recurrence of a Pre-Existing Condition? Medical - Up to $5,000 of the eligible expenses; Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses
Pre-Existing condition For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.
Personal liability? $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Extended care facility? Up to the maximum limit
Pet return? $1,000 maximum limit. Not subject to deductible
Durable medical equipment? Up to the maximum limit

Patriot Group Exchange Insurance Restrictions

Patriot Group Exchange Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.

Patriot Group Exchange Insurance Claims

claims

CLAIMS EMAIL

Email: insurance@imglobal.com
Fax: 317-655-4505

CLAIMS PHONE

1.800.628.4664

MAIL TO

International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500

CLAIMS FORM

IMG Claims Forms

buy safe travel usa cost saver insurance

Need help? - Willing to buy a travel plan?

Go for it now!

IMG travel insurance resourceful links