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
Maximum Limit$5,000,000
Deductible $0, $100, $250, or $500 per illness or injury available
Maximum Limit Per Illness or InjuryChoice of $50,000, $100,000, $250,000, or $500,000
Coinsurance Company pays 100% after deductible is met.
Inpatient/Outpatient Benefits
Eligible Medical Expenses Company pays 100% after deductible is met
Physical TherapyCompany pays 100% after deductible is met, one visit per day (Medical order or treatment plan required)
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
Teladoc Consultation (Groups only)Company pays 100% within the U.S.; mental and nervous disorders not covered
Emergency Room InjuryCompany pays 100%. Not subject to Emergency Room Deductible
Hospital Emergency Room IllnessCompany pays 100% after deductible is met; subject to a $250 deductible for each visit that doesn't result in a direct hospital admission
Hospitalization / Room & BoardUp to the average semi-private room rate
Intensive Care UnitCompany pays 100% after deductible is met
Bedside Visit $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible.
COVID-19/SARS-CoV-2 CoverageCOVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
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 and MedicationCompany pays 100% after deductible is met
90 day dispensing maximum
Period of Coverage limit: $250,000 per person
Interfacility Ambulance Transfer
(For services rendered in the U.S.
Company pays 100%. Transfer must be a result of an inpatient hospital admission
Not subject to deductible.
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 (Not subject to deductible)
Emergency Medical Evacuation $50,000 maximum limit 
Emergency Reunion $15,000 maximum limit
Political Evacuation and Repatriation$10,000 maximum limit
Return of Mortal Remains or Cremation/Burial $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Additional Benefits
Accidental Death & Dismemberment$25,000 principal sum; Not subject to deductible
Terrorism$50,000 maximum limit; Not subject to deductible
Sudden & Unexpected Recurrence of a Pre-existing Condition
(Only available when purchasing worldwide coverage that excludes the U.S.)
Maximum Limit: $5,000
Emergency Medical Evacuation Maximum Limit: $25,000
Pre-Existing ConditionsFor conditions existing within 36 months before effective date, charges excluded after 12 months of coverage and then $500 per period of coverage and $1,500 maximum limit
Incidental Trip Coverage
(Available for non-U.S. residents only)
Up to a cumulative 14 days
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
Personal Liability - Damage to third party’s property
$2,000 per period of coverage limit after $100 deductible
$500 per period of coverage limit after $100 deductible
Limited High School and College SportsCompany pays 100% after deductible is met

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, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, 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. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age Maximum Limit
Through age 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.


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 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.