Patriot Exchange Program - Standard

Plan Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International


Standard Short-Term Travel Plan

The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of a cultural exchange program, including J1 and J2 visa holders. The plan may be purchased in monthly increments and can include coverage for the student or participant, and/or his or her spouse and unmarried dependent children traveling with them. If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to 48 months. See the “Renewal of Coverage” section on page 9 for more information.

  • Coverage and benefits are subject to the deductible and coinsurance, and all terms of the certificate of coverage and Master Policy.
  • Coverage under a Patriot Exchange Program plan is secondary to any other coverage.
  • Coverage and benefits are for medically necessary and usual, reasonable and customary charges only.
  • Charges must be administered or ordered by a physician.
  • Charges must be incurred during the Period of Coverage.
  • Claims must be presented to IMG for payment within the Period of Coverage or during the three months immediately following the Period of Coverage.


The following conditions apply to all persons applying for and/or enrolling in a Patriot Exchange Program plan.

  • The member must be actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school, or be the spouse or dependent of said student/participant traveling with them.
  • Spouse and dependents can apply for coverage by themselves if they hold a J2 visa, and the J1 visa holder who is participating in the educational or cultural exchange program has purchased a plan through that program.
  • Coverage becomes effective when the group member and his/her traveling dependents have legally departed the Home Country and legally entered the Host Country and are not citizens of the Host Country.


Before you begin traveling, simply fill out the Application Form and calculate the premium for the time period you and your family will be traveling. Once the Application Form is completed, return it to your insurance agent or broker, and/or mail it to IMG. You, your spouse and unmarried dependent children (over 14 days and under 18 years of age) listed on the Application Form and for whom premiums have been paid will be covered from the latest of the following dates:

  • the date IMG receives your completed Application Form and the appropriate premium;
  • the date you depart from your country of citizenship; or
  • the date requested on the Application Form.

Patriot Exchange Program coverage ends on the earliest of the following dates:

  • the end of the period for which premium has been paid;
  • the date requested on the Application Form; or
  • the date you return to your country of residence.


IMG normally processes Application Forms within 24 hours of receipt. Once processing is complete, IMG will mail a fulfillment kit to the address listed on the Application Form. The fulfillment kit will include an IMG Identification Card, IMG contact numbers, Claim Forms and your insurance certificate providing a complete description of your rights and benefits under the contract. You also may choose our online fulfillment kit option rather than having it mailed to you. Please indicate this preference on the Application Form and include your correct email address. Please note: If express mail delivery is required, there is an additional charge listed on the Application Form.

Service at your fingertips anytime, anywhere - that’s what MyIMG provides. MyIMG is our proprietary online service that allows you to access information and manage accounts, 24 hours a day, seven days a week, from anywhere in the world. Our service centers in the U.S. and Europe are always available to help or handle emergencies 24 hours a day, but through MyIMG you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Some features include:
  • Get explanation of benefits
  • Initiate precertification
  • Obtain certificate documents
  • Locate a provider
  • Recommend provider/facility
  • Request ID cards