Patriot Exchange Student Travel Insurance

From International Medical Group

Renewable for up to 48 months of coverage, Patriot Exchange is a comprehensive travel medical plan that provides up to $500,000 in coverage per any new illness & injury that might occur while studying abroad.

**Note: The policy provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S. citizens worldwide except in their home country and Europe to Europe.

Quote & Buy Patriot Exchange

Patriot Exchange Benefit Schedule

Benefit

Description

Plan Maximum
  • $50,000, $250,000 or $500,000 per illness or injury
  • Lifetime Maximum of $5,000,000
Coinsurance
100%
Deductible
$100
Treatment Period
60 days per chronic illness
Inpatient / Outpatient Benefits
Hospital Room and Board
Up to semi-private room rate
Hospital Intensive Care
URC*
Physical Therapy
URC*, 1 visit per day
Physician Visit
URC*
Student Health Center
$5 co-pay per visit
Eligible Medical Expenses
URC*
Emergency Room
URC*
Emergency Illness with in-patient admission
URC*
Emergency Illness without in-patient admission
Additional $250 deductible
Dental (Injury due to accident)
Up to Maximum Limit
Dental
  • Injury due to covered Accident - $500 maximum
  • Sudden & Unexpected Pain to natural teeth - $350 maximum
Evacuation Benefits
Emergency Medical Evacuation
$50,000 lifetime maximum
Emergency Reunion
$15,000 lifetime maximum
Return of Mortal Remains or Cremation / Burial
$25,000 maximum for Return of Mortal Remains or $5,000 for Cremation / Burial
Returning Minor Children
Up to $50,000
Political Evacuation
Up to $10,000
Additional Benefits
Accidental Death
$25,000
Dismemberment
  • $25,000 two limbs;
  • $12,500 one limb
Terrorism Coverage
Up to $50,000 lifetime maximum
Pre-Existing Conditions
For conditions existing within 36 months before effective date, charges excluded after 12 months of coverage and then $500 maximum per period of coverage and $50,000 lifetime maximum
Incidental Trip Coverage
Up to a cumulative two weeks
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

Optional Add-on Rider

Benefit

Description

Lost Personal Property
$250 maximum
Legal Assistance
Binder Fee
$250 maximum
Personal liability
Injury to third party
$2,000 maximum after $100 deductible
Personal liability
Damage to third person property
$500 maximum after $100 deductible
High School Sports
URC*

*Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment.

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.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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