Patriot Exchange Standard Short-Term Program Plan

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


Plan Maximum

Choice of $50,000, $250,000 or $500,000 per illness or injury with a Lifetime Maximum of $5,000,000


No co-insurance


$100 per illness or injury

Treatment Period

60 days per chronic illness


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

Available to U.S. and non-U.S. citizens

See Additional Benefits for more information


*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


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


Eligible Medical Expenses


Emergency Room(ER)


Charges incurred for the use of the Emergency Room due to an accident are covered up to the per injury plan maximum.

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admission to the hospital.

Emergency Room Illness with In-patient Admission


Emergency Room Illness without In-patient Admission

Additional $250 deductible

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.


Injury Due to Accident $500
Sudden and Unexpected Emergency $350

Injury due to an accident – The Standard Short-Term Travel Plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident.

Sudden dental emergency – The Standard Short-Term Travel Plan will pay for the necessary treatment of sudden, unexpected pain to sound natural teeth.

International Emergency Care


Emergency Evacuation

$50,000 Lifetime Maximum

Each plan offers coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the indicated amount per plan design.

Emergency Reunion

$15,000 Lifetime Maximum

Each plan also offers Emergency Reunion coverage for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Mortal Remains Cremation & Burial

$25,000 for Return of Mortal Remains or $5,000 for Cremation/Burial

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death.

Political Evacuation

Up to $10,000

If the United States Department of State, Bureau of Consular Affairs, or similar government agency of the insured person’s home country, orders the evacuation of all non-emergency government personnel from the host country, due to political unrest, that becomes effective on or after the insured person’s date of arrival in the host country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the insured person’s home country or country of residence provided that:

The insured person contacts the Company within 10 days of the issuance of the evacuation order by the United States Department of State, Bureau of Consular Affairs, or similar government agency of the insured person’s home country; and
The evacuation order pertains to persons from the same home country as the insured person; and
Political Evacuation and Repatriation is approved and coordinated by the Company. In no event will the Company pay for a political evacuation if there is a travel warning in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.
In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.

Additional Benefits


Accidental Death $25,000
Dismemberment $25,000 two limbs; $12,000 one limb

Terrorism Coverage

Up to $50,000 Lifetime Maximum

Each plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum. Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government or international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. In addition, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.

This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location.

Sudden Recurrence of a Pre-existing Condition (U.S. Citizens)

Medical - Up to $5,000 of eligible expenses
Emergency Medical Evacuation - Up to $25,000 of eligible costs and expenses

Up to $5,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the U.S. In addition, up to $25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

Pre-Existing Conditions

For U.S. and non U.S. citizens $500 per year; $50,000 lifetime maximum - after 12 months of continuous coverage

For U.S. citizens, this benefit will begin when the Sudden Recurrence benefit is exhausted.

Incidental Home Country Coverage

Up to a cumulative two weeks

During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to:

The insured person must have left their home country, the total Period of Coverage must be for a minimum of 30 days, and the return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.

Optional Add-on Plan


Loss/theft of Baggage $250
Loss/theft of Valuables $250
Loss/theft of Personal Papers $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


For full policy information, see your policy certificate for details.

Patriot Exchange Standard Short-Term Program Frequently Asked Questions

Who do I call in case of an emergency?

First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.

Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.

Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.

What insurance documents do I need to take on my trip?

Now that your travel insurance is in place, it’s important that you take a few documents with you on your trip and also leave a copy of these at home with a family member or friend.
1. Your confirmation of coverage document.
2. The insurance’s company’s emergency contact phone number.
3. Your policy number.
4. Your coverage and benefits policy pages.
Before your trip be sure that you have read your policy and are familiar with the benefits available so you can ask questions if there is something unclear.

What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

Am I covered for sports under a student or exchange plan?

Student designed plans can offer limited sports coverage while being played with a school team, depending on the plan chosen.

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Are vision and dental benefits covered under a short-term medical plan?

Unless state-mandated, vision and dental are not covered under a short-term medical plan. Emergency dental work due to an accident may be included under a standard plan.

How do I extend or renew my coverage?

Extension or renewal options vary from plan to plan. Some plans are not extendable or renewable, and some are only renewable if you purchase a minimum number of months. If your plan is renewable or extendable, you must renew before the expiration date. Otherwise, you will need to reapply and satisfy new deductibles or waiting periods. Policies do not automatically renew; you will receive your renewal notice by email.

Does travel insurance cover pregnancy?

Under short term medical policies pregnancy including complications is generally excluded. With some long term plans if you have the coverage for 11 months or longer maternity coverage can be purchased.
Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-866-971-7936

Will short-term coverage provide benefits for travel vaccinations, wellness check-up, or female preventative care?

Preventative care is generally not covered under short-term travel plans. Long-term expatriate plans and some student health plans may offer variations of wellness care.

Why do I need insurance while outside my home country?

In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936

Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

What is a pre-certification requirement?

Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.

Patriot Exchange Standard Short-Term Program Claims & Assistance

  • International Medical Group, Inc.
  • 2960 North Meridian Street
  • Indianapolis
  • IN, 46208

1-317-655-4500 (outside US)


1-317-655-4500 (outside US)