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Patriot Exchange Program Medical Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this information. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information, as it is not possible to accurately represent all the details in concise information such as follows, or call us for further details. If there is any discrepancy between this information and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Vision (eyeglasses, etc.) is not covered in any of the plans.


Patriot Exchange Program
After deductible, covered at 100% up to selected policy maximum.
$5 copay, deductible waived

Medical - Outpatient

To policy maximum

1 visit per day.
US-Urgent Care: Deductible waived, $50 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $20 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum

Extra $250 copay for illness that does not result in hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

None. Maximum treatment period for chronic illness: 60 days
To policy maximum, hospital bed or wheelchair.
Optional: Adventure Sports, available for ages under 65. Add-On plan, available for High School and College.
To policy maximum, for injury or if covered illness results in hospital admission.
$10,000. Cannot be provided at a Student Health Center.
$50 per day, $500 maximum. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy: To policy maximum, 1 visit per day. Must be ordered in advance by physician.
After 12 month waiting period, $500 per period of coverage, $1,500 maximum.
US Citizens: Sudden & Unexpected Reoccurrence: Medical up to $5,000. Medical Evacuation up to $25,000.
50% reduction in benefits


Incidental: 14 days after 30 days of continuous coverage, non-US residents only.
Optional: Add-On plan, $2,000 maximum for injury, $500 maximum for damage.
Outside Country of Residence

Plan Features

Before effective date, full refund.

After effective date, pro-rated refund for whole months minus $50 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 4 years
Optional: Legal Assistance with Add-On plan, $500 maximum.
Postal Mail
Per Incident
Per Incident
$50,000 Up to 64
$100,000 Up to 64
$250,000 Up to 64
$500,000 Up to 64
International Medical Group (IMG)
Sirius International

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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You would not be eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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