Patriot Exchange Standard Short-Term Program Insurance
Whether your trip takes you abroad for a few weeks or a year, your cultural exchange experience should be enjoyable. Patriot Exchange Standard offers a complete package of international benefits available 24 hours a day. This short-term medical plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange.
What makes this plan so great?
- Medical maximum up to $500,000
- Covers spouse and dependents
- Renewable up to 48 months*
- Optional add-on sports or liability coverage
You can choose from a range of plan maximums and additional add-on coverage. With myIMG, you’ll have access to more than 17,000 providers when seeking treatment outside the U.S. using the International Provider Access online.
*Minimum of one month must be purchased
Patriot Exchange Standard Short-Term Program Plan Details
Overview
Plan Maximum | Choice of $50,000, $250,000 or $500,000 per illness or injury with a Lifetime Maximum of $5,000,000 |
Co-Insurance | No co-insurance |
Deductible | $100 per illness or injury |
Treatment Period | 60 days per chronic illness |
MyIMG | 24 hour secure access from anywhere in the world to manage your account at anytime |
International Emergency Care | A wide range of international emergency benefits available including emergency evacuation, emergency reunion, and return of mortal remains |
Dependent Coverage | Coverage provided for dependents of faculty, scholars, students and exchange participants |
Optional Add-on Plan | Additional coverage is available for high school sports, personal liability and legal assistance |
Pre-Existing Conditions |
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Medical
*Usual, reasonable and customary (URC) charges for eligible expenses in the area where you receive treatment.
Hospital Room and Board | Up to semi-private room rate |
Hospital Intensive Care Unit | URC* |
Physical Therapy | URC* - 1 visit per day |
Dr. / Physician Visit | URC* - 1 visit per day |
Student Health Center | $5 co-pay per visit |
Prescription Drugs / Medicines | URC* |
Eligible Medical Expenses | URC* |
Emergency Room(ER) |
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Emergency Room Illness with In-patient Admission | URC* |
Emergency Room Illness without In-patient Admission |
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Dental |
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International Emergency Care
WHEN COORDINATED THROUGH THE PLAN ADMINISTRATOR
Emergency Evacuation |
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Emergency Reunion |
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Return of Mortal Remains Cremation & Burial |
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Political Evacuation |
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Additional Benefits
AD&D | Accidental Death $25,000 |
Terrorism Coverage |
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Sudden Recurrence of a Pre-existing Condition (U.S. Citizens) |
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Pre-Existing Conditions |
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Incidental Home Country Coverage |
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Optional Add-on Plan
Baggage | Loss/theft of Baggage $250 |
Legal Assistance | Binder Fee of $500 when served with summons |
Personal Liability | Injury to third party pays a $2,000 limit after $100 deductible |
Damage to third person property | $500 limit after $100 deductible. Secondary to any other insurance in force |
Limited High School Sports Coverage | URC* |