Patriot Exchange Program

Medical insurance for students studying abroad or participants of cultural exchange programs

Designed for individuals and groups of students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements.

Whether your trip takes you abroad for a few weeks or a year, your cultural exchange experience should be enjoyable. You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. IMG has developed Patriot Exchange Program to offer a complete package of international benefits available 24 hours a day. Most of the plan options are designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange.

The individual and group (two or more primary insureds) plans provide coverage for dependents and may be purchased in monthly increments. You can choose from a range of plan maximums and additional add-on coverages. You may also seek treatment with the hospital or doctor of your choice.

For students, scholars, and cultural exchange participants when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.  To compare all of IMG's student insurance plans, check out our article, Choosing the Best International Student Insurance Plan for You.


  • Medical insurance for students studying abroad or participants of cultural exchange programs
  • Deductible options from $0 to $500
  • Maximum limit of $5,000,000
  • Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements

Made for...

  • Students / Scholars
  • Employers / Business Travelers

Coverage Information

Conditions of Coverage

  1. Coverage and benefits are subject to the deductible, limites and coinsurance, and all terms of the Certificate of Insurance and Master Policy
  2. Coverage under this plan is secondary to any other coverage
  3. Coverage and benefits are for eligible medical expenses which are medically necessary and usual, reasonable, and customary
  4. Charges must be administered or ordered by a physician
  5. Charges must be incurred during the period of coverage or benefit period
  6. Claims must be presented to IMG for payment within 180 days from the date the claim was incurred


To be eligible to apply to the Patriot Exchange Program plan, you must:

  • Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant
  • Reside outside the country of residence for the purpose of pursuing international educational activities for a temporary period of time.
  • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, or HIV+ on the initial effective date.

Renewal of Coverage

Eligible insureds can request coverage under the plan be renewed monthly for up to 12 month periods, for a maximum of 48 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.

How Does the Affordable Care Act (ACA) Affect My Coverage?

Non-U.S. citizens: As non-resident aliens, international students, scholars, and people involved in cultural exchange programs on F, J, M and Q visas (and certain family members) are not subject to the individual mandate for their first five years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for two years (out of the past six). Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase Student Health Advantage.

U.S. citizens: Under ACA, all U.S. citizens, nationals and resident aliens are required to purchase minimum essential coverage (ACA compliant coverage), unless they are exempt. Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. for 330 of any 365-day period, or have a tax home (main place of work or employment, or if you don’t have a main place of work or employment, your main residence) in a foreign country, and is a bona fide resident of a foreign country.


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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.