Patriot Exchange Program

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

Summary of Benefits

All amounts shown are in U.S. dollars.

Summary of Benefits
 
Plan Maximum Choice of $50,000, $100,000, $250,000 or $500,000 per illness or injury with a lifetime maximum of $5,000,000
Deductible $100 per illness or injury
Coinsurance No coinsurance
Treatment Period Maximum 60 days for chronic conditions
Inpatient/Outpatient Benefits
 
Hospital Room and Board Up to average semi-private room rate
Hospital Intensive Care URC*
Physical Therapy URC* - 1 visit per day
Physician Visit URC* - 1 visit per day
Student Health Center $5 co-pay per visit (Not subject to deductible)
Prescription Drugs URC*
Eligible Medical Expenses URC*
Emergency Room visit with In-patient Admission URC*
Emergency Room visit without In-patient Admission Additional $250 deductible
Dental
Injury due to covered Accident - $500 maximum
Sudden & Unexpected Pain to natural teeth - $350 maximum
Evacuation Benefits
 
Emergency Medical Evacuation $50,000 lifetime maximum
Emergency Reunion $15,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial $25,000 maximum for Return of Mortal Remains or $5,000 for Cremation/Burial
Political Evacuation $10,000 lifetime maximum
Additional Benefits
 
Accidental Death & Dismemberment $25,000 ($25,000 two limbs; $12,500 one limb)
Terrorism $50,000 lifetime maximum
Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only) Eligible Medical Expenses: $5,000 lifetime maximum
Emergency Medical Evacuation: $25,000 lifetime maximum
Pre-Existing Conditions For conditions existing within 36 months before effective date, charges excluded after 12 months of coverage and then $500 maximum per period of coverage and $50,000 lifetime maximum
Incidental Trip Coverage Up to a cumulative 14 days
Optional Add-on Riders
 
Lost Personal Property $250 maximum
Legal Assistance $500 maximum
Personal Liability - Injury to third party
Personal Liability - Damage to third party’s property
$2,000 maximum after $100 deductible
$500 maximum after $100 deductible
High School Sports URC*

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged 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, snow boarding, 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. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

AgeLifetime Maximum
0-49$50,000
50-59$30,000
60-64$15,000

Chaperone/Faculty Leader Replacement Rider

(Groups Only)

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Groups may also purchase a customizable long-term plan. Any coverages, benefits & premium rates offered are in U.S. Dollars.

 

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  • "Although one hopes never to use travel insurance, IMG was a god-send 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.