IMG International Health Insurance For Exchange Students


Patriot Exchange Program offers students studying abroad or exchange students needing medical coverage. Most plans meet the U.S. J1 and J2 visa requirements.

Medical coverage for students, families, and groups while studying abroad

Designed for 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.


  • Coverage for students, groups, and/or their spouses and unmarried dependent children traveling with them
  • Plan maximums limit up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
  • Plans are renewable for up to 48 months if a minimum of one month is purchased
  • Groups may purchase customizable annually renewable long term plans
  • Freedom to seek treatment with a hospital or doctor of your choice
  • Universal Rx pharmacy discount savings
  • 24-hour secure access from anywhere in the world to manage your account at any time
  • Student Health Center $5 co-pay per visit
  • No coinsurance
  • Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability, and legal assistance


Who the plan is designed for:

  • Individuals participating in student international programs
  • Cultural exchange participants
  • International graduate students
  • Scholars and educators
  • Dependents


Coverage Options

  • Medical insurance for students studying abroad or participants of cultural exchange programs
  • Deductible options from $0 to $100
  • Maximum limit $5,000,000
  • Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements.


Effective July 1, 2020, International Medical Group (IMG®) has amended the current Public Health Emergency exclusion in their international student insurance policy wordings by issuing an endorsement that provides coverage for COVID-19 medical expenses. This endorsement will be added to the following plans:

  • Patriot Exchange Program
  • Student Health Advantage
  • Student Health Advantage Platinum
  • All customized student and exchange plans

This update applies to the above-mentioned plans for all new and existing insureds.

Members with an existing policy will be emailed about the change and log into their MyIMG account to view the endorsement. New members can view this endorsement in their plan documents after purchasing or enrolling as part of a group.


We are pleased to announce the addition of a telemedicine (i.e., Teledoc) benefit for groups seeking coverage in the United States. This virtual service provides a convenient way for customers to connect with licensed physicians for non-emergency conditions without having to make a trip to the emergency room or physician’s office.

Company Rating (A.M. Best)

Cancellation Policy

The Insured Person shall have three days from the Initial Effective Date of Coverage to review the benefits, conditions, limitations, exclusions, and all other Terms of the Master Policy as evidenced and outlined in the certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to IMG by email, mail, or fax and received by IMG with the Review Period, thereby qualifying to receive a full refund of Premium paid.

Upon effectuation of such cancellation and refund, neither IMG nor the Insured Person shall have any further rights, liabilities, or obligations under this insurance.

After the Review Period, the following conditions apply if the Insured Person wishes to cancel this insurance:
– If any claims have been filed with IMG, the Premium is fully earned and is non-refundable.
– If no claims have been filed with IMG, a cancellation fee of $50.00 will be charged, only Premium covering time periods after the cancellation are refundable, and only full month Premiums are refundable.

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