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Patriot Exchange Program

Medical Insurance for Individuals and Groups Involved in Educational or Cultural Exchange

1 Month to 4 Years

Hello. Hola. Hallo. Hej. 您好.

You can greet someone in a foreign country in many ways. When you travel, stay safe and secure by saying hello to Patriot Exchange ProgramSM, a one-of-a-kind international medical insurance plan that brings you Global Peace of Mind® when you're traveling abroad.

Why Consider International Travel Medical Insurance?

Traveling abroad can be an exciting experience, especially when you're involved in an educational or cultural exchange program. But what would happen if you became ill or injured while away from home? Your experience can quickly turn frightening if you're not prepared for a medical emergency.

Whether your trip takes you abroad for a few weeks or an entire year, your cultural exchange experience should be an enjoyable one. You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. Patriot Exchange ProgramSM provides you, your group, and your dependents traveling with you Coverage Without Boundaries®. The plan offers a complete package of international benefits available 24-hours a day. Simply select the plan option that best fits your needs.

Patriot Exchange Program

The Patriot Exchange Program is designed to meet the U.S. visa insurance requirements for individuals and groups of two or more students studying abroad or participating in a cultural exchange program, including J1 and J2 visa holders. Coverage may be purchased for spouses and unmarried, dependent children traveling with the student/participant. Individuals and groups can select from different plan options - $50,000, $100,000, $250,000, and $500,000 maximum limit per illness/ injury. The $50,000 maximum limit per Illness/Injury option does not comply with J1 and J2 visa requirements. This program also offers two different areas of coverage, and an optional add-on rider for high school sports, personal liability and legal assistance. In addition, groups may purchase annually renewable long term plans that have the flexibility to be tailored to meet specific needs of each program.

How Does the United States Affordable Care Act (ACA) Affect My Coverage?

Non-US Citizens: As non-resident aliens, international students, scholars, and people involved in cultural exchange programs on F, J, M and Q visas (and certain family members) are not subject to the individual mandate for their first five years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate if in the U.S. for two of the past six years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets ACA requirements and can purchase the Patriot Exchange Program.

US Citizens: Under the ACA, all U.S. citizens, nationals, and resident aliens are required to purchase minimum essential coverage (ACA compliant coverage), unless they are exempt. Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. for 330 of any 365-day period, or have a tax home (main place of work or employment, or if you don't have a main place of work or employment, your main residence) in a foreign country, and are a bona fide resident of a foreign country.

Please note that this insurance is not subject to, and does not provide benefits required by, ACA. Since January 1, 2014, ACA requires U.S. citizens, U.S. nationals and resident-aliens to obtain ACA compliant insurance coverage unless they are exempt from ACA (international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories - teacher, trainee, work and travel, au pair, high school, etc. - are not subject to the individual mandate for 2 years out of the past six). Penalties may be imposed on persons who are required to maintain ACA compliant coverage but do not do so. Eligibility to purchase or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including ACA. Please note that it is solely your responsibility to determine if ACA is applicable to you and the Company and the administrator shall have no liability whatsoever, including for any penalties that you may incur, for your failure to obtain required ACA compliant coverage. For information on whether ACA applies to you or whether you are eligible to purchase the Patriot Exchange Program, please contact us. The materials available on this website are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. This brochure is intended to convey general information only and not to provide legal advice or opinions.

The Administrator Advantage

Since 1990, the administrator has dedicated its efforts to providing international medical insurance, travel insurance, and world-class services to the international community. We understand the intricacies of international healthcare—it’s our specialty. Our team of experienced professionals is committed to helping you solve any problems, while making sure you receive superior service.

Many companies claim to offer great service. The administrator set a higher industry standard by integrating independent credentialing services with in-house, fully owned and operated service divisions. These accreditations promote continuous improvement in quality and efficiency while ensuring ongoing compliance. This allows us to deliver the world-class service you deserve. They served over a million people in more than 170 countries, and we’re with you, wherever you go—bringing support for all your insurance needs.

Single Resource

All service centers are designed to have the necessary services, staff, and capabilities to provide international service to you, regardless of your location. Every department and service division is integrated on the same proprietary system and in real-time. One call. One company. We are your single international resource.

Service Without Obstacles

Working in multiple time zones, in multiple languages, and with multiple currencies is not an obstacle for us. We maintain an international staff for our international client base. Our claims specialists and multilingual customer service professionals work seamlessly with you to communicate without barriers. We back up what we promise—Coverage Without Boundaries® that provides Global Peace of Mind®.

International Provider AccessSM (IPA)

The administrator’s proprietary network of over 17,000 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and up-front expense at select providers.

International Emergency care

When you’re overseas and a medical emergency occurs, you may not be able to wait for regular business hours. With the administrator's onsite physician and registered nurses, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

Accessible Technology

Through technology we make it easy for you to reach us and vice versa. We provide you with a secure member website to quickly and easily access real-time information, submit claims, view the status of your claims, and manage your accounts. You also have access to Live Chat to communicate directly to a Customer Care representative online, and you can easily reach us via email. We respond to all inquiries promptly, with our phone and fax lines open as well.

Financial Stability

Owned by Sirius Group, a multibillion-dollar, AM Best “A-” rated insurance industry leader, the administrator is uniquely positioned to deliver the Global Peace of Mind® our members need.

PEP Summary of Benefits (Individual and Group)

Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit

Maximum Limit$5,000,000
Deductible Options$0, $100, $250 or $500 per illness or injury available
Maximum Limit Per Illness or InjuryChoice of $50,000, $100,000, $250,000 or $500,000
CoinsuranceCompany pays 100% after deductible is met.
Inpatient/Outpatient Benefits
Eligible Medical ExpensesCompany pays 100% after deductible is met
Physical Therapy
(Medical order or treatment plan required)
Company pays 100% after deductible is met; one visit per day
Urgent Care$50 copay. Not subject to deductible.
Copay is not applicable if you choose a $0 Deductible
Walk-in Clinic$20 copay. Not subject to deductible.
Copay is not applicable if you choose a $0 Deductible
Teloadoc Consultation (Groups only)Company pays 100% within the U.S.; mental and nervous disorders not covered
Emergency Room InjuryCompany pays 100%. Not subject to Emergency Room Deductible
Hospital Emergency Room IllnessCompany pays 100% after deductible is met; subject to a $250 deductible for each visit that doesn't result in a direct hospital admission
Hospitalization / Room & BoardUp to the average semi-private room rate
Intensive CareCompany pays 100% after deductible is met
Bedside Visit$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
COVID-19/SARS-CoV-2 CoverageCOVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance.
Physician VisitCompany pays 100% after deductible is met; one visit per day
Student Health Center$5 copay per visit. Not subject to deductible
Prescription Drugs and MedicationCompany pays 100% after deductible is met
90 day dispensing maximum
Period of Coverage limit: $250,000 per person
Interfacility Ambulance Transfer
(For services rendered in the U.S.)
Company pays 100%. Transfer must be a result of an inpatient hospital admission
Not subject to deductible
DentalNon-emergency treatment at a dental provider due to an accident: $500 period of coverage limit per injury; treatment due to unexpected pain to sound, natural teeth: $350 period of coverage limit
Mental or Nervous / Substance AbuseNot covered if incurred in student health center
Inpatient: $10,000 maximum limit
Outpatient: $50 maximum limit per day. $500 maximum limit
Emergency Services (Not subject to deductible)
Emergency Medical Evacuation$50,000 maximum limit
Emergency Reunion$15,000 maximum limit
Political Evacuation and Repatriation$10,000 maximum limit
Return of Mortal Remains or Cremation/Burial$25,000 maximum limit for return of mortal remains
or $5,000 maximum limit for cremation/burial
Additional Benefits
Accidental Death & Dismemberment$25,000 principal sum; Not subject to deductible
Terrorism$50,000 maximum limit; Not subject to deductible
Sudden & Unexpected Recurrence of a Pre-existing Condition
(Only available when purchasing worldwide coverage that excludes the U.S.)
Maximum Limit: $5,000
Emergency Medical Evacuation Maximum Limit: $25,000
Pre-existing Conditions For conditions existing within 36 months before effective date, charges excluded until after 12 months of coverage and then $500 per period of coverage and $1,500 maximum limit
Incidental Trip Coverage
(Available for non-U.S. residents only)
Up to a cumulative 14 days
Optional Add-On Rider
Lost Personal Property$250 per period of coverage limit
Legal Assistance$500 per period of coverage limit
Personal Liability - Injury to third party
Personal Liability - Damage to third party's property
$2,000 per period of coverage limit after $100 deductible
$500 per period of coverage limit after $100 deductible
Limited High School and College SportsCompany pays 100% after deductible is met

Groups may also purchase a customizable long-term plan. Any coverages, benefits and premium rates offered are in U.S. Dollars. Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.

Innovative Technology & Member Services


MyAccount provides service at your fingertips, giving you the information and tools to manage your plans anytime, anywhere, through easy-to-use technology. You’ll have immediate access to important resources online, including our service center team, plan document access, claim forms and much more.

U.S. Network Access

UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest networks of providers in the U.S. that includes:

  • Over 1.4M physicians
  • 6,797 hospitals
  • Over 45,000 clinics
  • 67,000 pharmacies
  • 1,800 convenience clinics

International Provider AccessSM

Travelers outside of the U.S. can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes:

  • Over 18,550 physicians and facilities
  • Direct billing arrangements that minimize time and upfront expense

Pharmacy Discount Savings

Universal RX is a discount savings program allows you to purchase prescriptions from one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This network offers a simplified claims process with minimal paperwork for the member if they visit an in-network provider. This program is not insurance coverage; it is purely a discount program.

Teladoc (For groups only)

Teladoc provides access to a national network of board-certified doctors and pediatricians in the U.S. who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Teladoc does not replace existing primary care physician relationships, but supplements them as a convenient, affordable alternative for non-emergency medical care. The use of Teladoc will be considered as treatment inside the U.S. - PPO Network.

PEP Optional Riders

Adventure Sports Rider:

The Adventure Sports Rider is available on the Patriot Exchange Program for individuals and groups, and their dependents, up to the age of 65. Certain activities designated as adventure sports can be covered up to the maximums listed below. Certain activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. For a list of all the activities which can be considered to be adventure sports, please look at Adventure Sports Rider.

AgeMaximum Limit
Through age 49$50,000
50 - 59$30,000
60 - 64$15,000

Chaperone / Faculty Leader Trip Interruption Rider

Groups may request the Chaperone/Faculty Leader Trip Interruption Rider rider which offers up to $3,000 in benefits. In the event of the original chaperone/leader's hospitalization, a relative's unexpected death, or travel plans must be cancelled as a result of a break-in or destruction due to forces of nature at his/ her residence, the subsequent chaperone/faculty leader can be reimbursed for the certain transportation costs to join the group.

*Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.

PEP Individual Rates

Individual Monthly Rates

Coverage Excluding the U.S.
31 days to 24$38$45$48$50
25 - 49$45$52$56$59
50 - 64$116$125$144$152
Coverage Including the U.S.
31 days to 24$54$63$67$72
25 - 49$72$82$89$93
50 - 64$152$176$189$199

Individual Daily Rates

Coverage Excluding the U.S.
31 days to 24$1.27$1.50$1.60$1.67
25 - 49$1.50$1.73$1.87$1.97
50 - 64$3.87$4.17$4.80$5.07
Coverage Including the U.S.
31 days to 24$1.80$2.10$2.23$2.40
25 - 49$2.40$2.73$2.97$3.10
50 - 64$5.07$5.87$6.30$6.63

PEP Individual Rates W/Add-On

Individual Monthly Rates

Coverage Excluding the U.S.
31 days to 24$42$50$53$55
25 - 49$50$57$62$65
50 - 64$128$138$158$167
Coverage Including the U.S.
31 days to 24$59$69$74$79
25 - 49$79$90$98$102
50 - 64$167$194$208$219

Individual Daily Rates

Coverage Excluding the U.S.
31 days to 24$1.40$1.67$1.77$1.83
25 - 49$1.67$1.90$2.07$2.17
50 - 64$4.27$4.60$5.27$5.57
Coverage Including the U.S.
31 days to 24$1.97$2.30$2.47$2.63
25 - 49$2.63$3.00$3.27$3.40
50 - 64$5.57$6.47$6.93$7.30
PEP Deductible Factors

PEP Group Rates

Group Monthly Rates

Coverage Excluding the U.S.
31 days to 24$37$44$47$48
25 - 49$44$51$54$58
50 - 64$113$121$140$147
Coverage Including the U.S.
31 days to 24$53$61$66$69
25 - 49$69$79$86$90
50 - 64$147$171$183$192

Group Daily Rates

Coverage Excluding the U.S.
31 days to 24$1.23$1.47$1.57$1.60
25 - 49$1.47$1.70$1.80$1.93
50 - 64$3.77$4.03$4.67$4.90
Coverage Including the U.S.
31 days to 24$1.77$2.03$2.20$2.30
25 - 49$2.30$2.63$2.87$3.00
50 - 64$4.90$5.70$6.10$6.40

PEP Group Rates W/Add-On

Group Monthly Rates

Coverage Excluding the U.S.
31 days to 24$41$48$52$53
25 - 49$48$56$59$64
50 - 64$124$133$154$162
Coverage Including the U.S.
31 days to 24$58$67$73$76
25 - 49$76$87$95$99
50 - 64$162$188$201$211

Group Daily Rates

Coverage Excluding the U.S.
31 days to 24$1.37$1.60$1.73$1.77
25 - 49$1.60$1.87$1.97$2.13
50 - 64$4.13$4.43$5.13$5.40
Coverage Including the U.S.
31 days to 24$1.93$2.23$2.43$2.53
25 - 49$2.53$2.90$3.17$3.30
50 - 64$5.40$6.27$6.70$7.03
PEP Deductible Factors

New premium rates per insured person effective March 17, 2021 for eligible individuals whose applications are approved by the administrator. The administrator reserves the right to modify or replace these rates at any time.

PEP Plan Information


To be eligible to apply to the Patriot Exchange Program plan, you must

  • Be a participant: a student, scholar, intern, teacher or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research or receiving on the job training for a temporary period of time
  • Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J, M, F, or A visa
  • Be at least 31 days old but not yet 65 years old
  • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date

Enrollment Process

Before you begin your travel, simply apply online or fill out the application and calculate the estimated premium for the time period you, your group, and/or your dependents will be traveling. Once you have completed the application, return it to us.

Eligible individuals listed on the application and for whom premiums have been paid will be covered from the latest of the following dates:

  1. The date the administrator approves your completed Application and receives the appropriate premium
  2. The date you depart from your country of residence
  3. The date requested on your application

Fulfillment Kits

The administrator processes applications in a quick, timely manner. Once processing is complete, they will mail and/or email the fulfillment kit(s) to the address/email listed in the application. The fulfillment kit(s) will include an identification card(s), and the insurance certificate providing a complete description of the rights and benefits under the contract. For your convenience, we will send you this information and may also access it online.

If you do not choose online fulfillment, the administrator will mail your fulfillment materials. This may cause delays. We recommend online fulfillment for immediate access to your coverage information.

Conditions of Coverage

1) Coverage and benefits are subject to the deductible, limits and coinsurance, and all terms of the certificate of insurance and master policy and all governing documents, as summarized in the certificate of insurance. 2) Coverage under a Patriot Exchange Program plan is secondary to any other coverage. 3) Coverage and benefits are for eligible medical expenses which are medically necessary and usual, reasonable and customary. 4) Charges must be administered or ordered by a licensed physician. 5) Charges must be incurred during the period of coverage.

Renewal of Coverage

Eligible insureds can request coverage under the plan be renewed a minimum of five (5) days, up to a maximum of 48 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.

PEP Claims Procedure


Certain treatment and supplies including hospital admission, inpatient or outpatient surgery, and other procedures as noted in the certificate wording must be precertified for medical necessity, which means the insured person or their attending physician must communicate with a representative at the number listed on the ID card prior to admission to a hospital before receiving certain treatments and supplies, or performance of a surgery. In case of an emergency admission, the precertification must be made within 48 hours of the admission, or as soon as reasonably possible. If a hospital admission or a surgery is not precertified, eligible claims and expenses will be reduced by 50 percent. It is important to note that precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guaranty of payment. All medical expenses eligible for reimbursement must be medically necessary and will be paid or reimbursed at usual, reasonable and customary rates. Please refer to the certificate wording for full details of the precertification requirements.

Note:You may begin the precertification process. You will be asked to provide the required information, which can then be submitted electronically. Once we have received all required information and medical records, our utilization management and review team will review the information provided and normally responds to the insured person or the provider within 2 business days. Please note that this online service will only initiate the process for treatment and supplies outlined in the contract, and it should not be used to request precertification for emergency admissions, procedures, or evacuations.

Claims Payment:

All benefits payable under Patriot Exchange Program are subject to the terms and conditions in the Certificate of Insurance. To make claim processing efficient, claims for eligible medical expenses may be paid in two ways:

  1. Eligible expenses that have been paid by or on behalf of the insured person may reimbursed by check directly to the insured person.
  2. Eligible expenses that have not yet been paid by the insured person may, at the option of the administrator, be paid either to the insured person or directly to the provider.

Claims must be presented to the administrator for payment within 180 days from the date the claim was incurred.

Claim forms can be accessed here and mailed to the address shown on the claim form. All contact numbers, claim forms and Certificate of Insurance are included in the fulfillment kit.

*Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.


P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA


Coverage is underwritten and issued by Sirius Specialty Insurance Corporation, rated "A-" (excellent) by A.M. Best and A- by Standard & Poor's (at the time of printing).


Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470

This invitation to inquire allows eligible applicants an opportunity to seek information 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. Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by International Medical Group, Inc. and its representatives throughout the world. © 2007-2021 International Medical Group, Inc. All rights reserved.

The UnitedHealthcare name and logo are registered trademarks of UnitedHealth Group in the U.S. and other jurisdictions.

Version: CM00501291A210223

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