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Patriot Exchange Program (PEP)

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

IMG Patriot Exchange Program is designed for international students and scholars. There are insurance plans for Scholars and Students traveling to the US with a variety of US visa's (F1 visa, J1 visa, OPT, and M1 visa). Dependents are also eligible to purchase. The Patriot Exchange Program also has plans for people traveling outside the US for educational purposes. Anyone studying or teaching outside their residence country is eligible to buy. You can purchase online at any time and you may select any future date to be your insurance policy's effective date. The plan comes with several deductible options, and benefit levels to meet a wide variety of needs. All J visa holders are required to meet the US Department of State (USDOS) J1 insurance requirements for the duration of their visa. Patriot Exchange Program with at least $100,000 benefit per illness or injury and four deductible options meets this requirement.

Individual Get Quote/Buy Group Get Quote/Buy
Summary of Benefits
Insurance Provider IMG (International Medical Group)
Plan Type Designed specifically for international scholars and students (F1,F2,J1,J2,OPT,M1,M2). Purchase monthly or daily, renewable up to 4 years if initial purchase is 1 month or more.
Maximum Limits $5,000,000 lifetime. Options $50,000, $100,000, $250,000 or $500,000 per illness/injury
Deductible (Insured pays before insurance pays) Options: $0, $100, $250, or $500 per illness/injury.
Student Health Center Copay $5 copay, no deductible
Illness or Injury Coinsurance No coinsurance in PPO or out of PPO
Maternity Coinsurance N/A
Hospital Room & Board Average semi-private room
Intensive Care URC(Usual Reasonable and Customary)
Mental Health and Substance Abuse Inpatient $10,000 maximum benefit, Outpatient $500 maximum benefit
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Prescription Drugs URC
Accident Dental Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000
Medical Evacuation $50,000
Repatriation of remains $25,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage
Group Pricing 5 or more primary insured have 10% discount
Sample Contract Sample Insurance Contract

Sample Price Chart Coverage Including US - Monthly Premium Rate


$0 Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $70.80 $75.60
25-49 $92.40 $99.60
50-64 $198.00 $212.40


$100 Per-illness Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $59.00 $63.00
25-49 $77.00 $83.00
50-64 $165.00 $177.00

Sample Price Chart Coverage Outside US Only - Monthly Premium Rate


$0 Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $50.40 $54.00
25-49 $58.80 $62.40
50-64 $140.40 $162.00


$100 Per-illness Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $42.00 $45.00
25-49 $49.00 $52.00
50-64 $117.00 $135.00


Individual Get Quote/Buy Group Get Quote/Buy


Plan More on Patriot Exchange Program
Plan Highlights
  • Patriot Exchange Program with $100,000 benefit per illness/injury or higher meets the US Dept of State standards for Exchange visitors (J visa) which are: At least $100,000 per illness, repatriation of remains of $25,000, Medical evacuation benefits of $50,000, and a deductible not to exceed $500 per accident or illness.
  • J1/F1 visa holder and their J2/F2 dependents can buy IMG Patriot Exchange Program. If the J2/F2 dependents join the J1/F1 later, they can purchase alone for different dates.
  • You can select the day after you submit application or any later date as your insurance effective date. The insurance can only be effective after you arrive in the foreign country for your exchange program.
  • Group Plan available for groups of 5 or more unrelated individuals (non-family members). Must use one credit card to pay for the whole group.
  • Other available options include: travel protection for baggage and valuables, legal assistance, personal liability coverage, adventure sports coverage
  • Preventive care including well physical exams and vaccines are not covered. Plans covering wellness benefits typically cost $200-$300 or more per month. Ask us about inexpensive and sometimes free ways to receive these services.
  • To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
  • If you have a destination outside the US you are eligible to purchase at a lower premium cost.
  • IMG Patriot Exchange Program includes benefits for mental nervous, and substance abuse up to $10,000 for an inpatient stay, and up to $500 outpatient.
  • The plan includes a bedside visit benefit for a family member to be with the insured when they are in the intensive care unit up to $1,500.
  • There is a $20 walk in clinic copay (instead of the deductible - only for deductibles $100 or higher).
  • There is a $50 urgent care copay (instead of the deductible - only for deductibles $100 or higher).
  • If you are a non-US citizen and traveling to the US, and don't need the mental nervous benefit or the bedside visit benefit, you should consider TaiAn Patriot Exchange to save some premium costs: TaiAn Patriot Exchange
$50,000 Benefit Level
  • The $50,000 benefit level does not meet J visa requirements. If you don't need to meet J visa requirements and want to purchase the $50,000 benefit level use these purchase links.
Buy Patriot Exchange Program with $50,000 maximum
Buy Group Patriot Exchange Program with $50,000 maximum, For 5 primary insured or more
Full Brochure IMG Patriot Exchange Program Full Brochure
Get Quote 6 Months Pre-Existing Group Quote 6 Months Pre-Existing