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Filing a Claim with the Student Health Advantage or Patriot Plans

February 20th, 2019 by Jennifer Frankel

If you get sick or have an accident while covered on the Student Health Advantage or Patriot plans, then you will need to file a claim with International Medical Group (or, IMG). This blog will walk you through the steps of filing a claim, which we hope you find quick and easy!

Step 1. Go In-Network

Both the Student Health Advantage and Patriot Plans use the First Health network. Bring your ID card when you go to the doctor, hospital, or clinic so that they have your insurance information. If you don’t have your card, be sure to contact the provider and give them your insurance information. You will likely only need to pay for the deductible when you go for treatment as long as you go inside the network.

Precertification: Please note that pre-certification is required for all hospitalizations, surgeries, CAT scans, MRI’s, maternities, treatment in an extended care facility, home nursing care, prosthesis, and durable medical equipment. This requires that you call the number on your ID card as soon as possible, or prior if possible. You can also pre-certify online through your MyIMG portal.

Step 2. Submit A Claim Form

Every new condition will require a claim form to be submitted directly to If you had an accident, you will need to submit BOTH the claim form and the accident claim form. Prescription medication also requires you to submit the initial prescription from the doctor along with the pharmacy receipt as this is only paid via reimbursement.

A new claim form is needed for every new accident or illness, but you do not need to submit another claim form if it’s for a follow up visit. You will have 90 days to submit this, and you can send this along with any bills or receipts you received when seeking treatment.

IMG will accept claims in any language or currency.

Tip: If you paid out of pocket, ask your medical provider for an itemized bill and your medical records at the time of treatment in case this is requested.

Step 3. Wait for the Claim to Be Processed

Claims typically take 30 business days on average once all of the necessary documentation is received to be processed. After about a week, you can check the status of your claim in the MyIMG portal, emailing, or by calling the number on the back of your insurance ID card to see if they are missing any additional information.

Step 4. Receive Explanation of Benefit and Reimbursement/Payment

Once a claim is processed, you will receive an explanation of benefit (EOB) in the mail detailing what was and wasn’t covered, and why. If you went in the network and provided your insurance information, the insurance company will pay the provider directly. If you went outside the network, or paid out of pocket, then the money will be reimbursed to you either by check or wire transfer (you would indicate your preferred method on the claim form). The EOB will also be available for download through your MyIMG portal.

Step 5. Pay Your Provider

If you had any out of pocket deductibles, copays, coinsurance, or if there were uncovered benefits, you will be responsible for paying this directly to the provider. To know how much to pay, refer back to the Explanation of Benefits.  

If you have any questions about your claim, please email or call +1 (800) 628-4664 (in the US or Canada)/+1 (317) 655-4500 (internationally).

J Visa Health Insurance Options

November 16th, 2018 by Jennifer Frankel

health insuranceIf you are coming to the United States on a J1 or J2 visa, then you will be required to have health insurance for your entire stay in the US. In almost all cases, you will be required to show proof of insurance at the consulate or embassy before you are issued your visa, and in order to maintain status, you will need to have coverage continue until you return home. There are many J visa health insurance plans that you can choose from that will meet these requirements and cover you in the US.

You can enroll in an insurance plan through your school or sponsor organization if available, or alternatively, you can purchase your own policy. Either way, be sure that your plan meets the health insurance requirements for the J1/J2 visa as they have specific minimum requirements you’ll need to meet. These requirements are as follows:

  • Medical Benefits of at least $100,000 per accident or illness
  • Repatriation of Remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness
  • A policy underwritten by an insurance carrier with:
    an A.M. Best rating of ‘‘A-’’ or above;
    a McGraw Hill Financial/Standard & Poor’s Claims paying Ability rating of ‘‘A-’’ or above;
    a Weiss Research, Inc. rating of ‘‘B+’’ or above;
    a Fitch Ratings, Inc. rating of ‘‘A-’’ or above;
    a Moody’s Investor Services rating of ‘‘A3’’ or above;

If you are looking for J visa health insurance options that meet the above requirements, we have a number of different options available depending on your needs:

Student Health – Our Student Health plan is available in four levels, and all levels will both meet and exceed the J visa requirements. This plan is only eligible to J1 visa holders (not J2 visa holders), and will allow you to have coverage for mental health, maternity, organized sports, and more! You can purchase the plan 6 months in advance of when you need the plan to begin (or as soon as the same day!), allowing you to get the documents right away to present to the consulate/embassy even if your plan doesn’t start for a few more months.

Travel Medical – Our Travel Medical plan will also meet the J visa requirements and both J1 visa holders and J2 visa holders are eligible. This plan works great for families who need a year of coverage or less, and children under the age of 9 are free with each adult that is insured on the plan! This plan will also allow you to purchase the plan 6 months in advance (or you can begin coverage as soon as the same day!), and will provide you with immediate documentation to present as proof of coverage.

Major Medical – Our Major Medical plan is available in 5 levels, and the Silver, Gold (up to the first 3 years), Gold Plus and Platinum levels work great for families or J2 holders, and can be purchased annually. This plan is the most comprehensive option allowing you to have coverage for wellness, vision, dental, maternity and more!

In almost all cases, you will receive the documents right away, and we will even issue you a confirmation of coverage that is a customized letter with your name, dates of coverage, and overview of coverage that you can present to your school, embassy or consulate.

If you are receiving insurance coverage through your employer, however, then you’ll want to make sure that you have medical evacuation and repatriation of remains coverage, as required by the Department of State. In almost all cases, domestic insurance plans do not have these benefits unless they were designed to cover international travel. If that’s the case, not to worry as you can still meet your J visa requirements by purchasing a standalone plan that has just those two benefits.

Emergency Evacuation – This insurance plan is designed to give you just the benefits you need to add to your already existing health insurance plan. Not only will this meet the Department of State Requirements, but you can purchase it for 3, 6, or 12 months.

If you aren’t sure which plan is right for you, check out the Virtual Agent to compare insurance plan options. All of our plans will meet and exceed the J visa requirements, and you can also speak to a customer service representative if you need assistance.

Personal Liability: What is it and Why it matters to international students?

October 15th, 2018 by Yessica Prato

noFor many people, the words “personal liability” can be very confusing. In certain parts of the world, when you purchase an insurance plan, it will include personal liability coverage. This benefit may also cover you in the event that your property is stolen or for damages that you may cause while renting a place. However, not all international insurance plans in the U.S. will include personal liability and it is important to understand the coverage so you are not caught off guard.

First, let’s explore what personal liability coverage is:

Personal liability will cover you in the event of an accident that results in bodily injury or property damage that you are legally responsible for. This is offered on many international travel medical plans as an added benefit. That being said, in which cases does personal liability cover you?

Here are some instances when this coverage will apply:

  • Personal liability will cover the legal cost in case you face lawsuits for an accident in which you are held legally responsible.
  • It will pay if you damage someone else’s property by accident.
  • It will also pay for medical treatment if you harm someone else by accident; in some instances, it includes funeral cost if you accidentally caused the death of said individual.

To further understand what could be covered under personal liability, here are some examples:

While running to your college English class, you accidentally run into another student and cause them to fall and sprain their wrist. Since this was an accident, your plan could cover the medical cost to treat the other student’s wrist.

During a study session at your house, you accidentally spill juice on top of your friends laptop. Your personal liability benefit could cover the cost to replace your friend’s laptop.

You decide to play baseball with some of your new friends in the US. While playing, you hit the ball and it accidentally goes through your neighbor’s window, breaking an expensive vase. Your plan could help you pay for the replacement.

Notice that all examples have the word “accidentally” as this is the entire premise for personal liability. Keep in mind that these are just examples and it will require the insurance company to investigate all of the facts to ensure they can cover each scenario.

Now that we’ve reviewed what personal liability coverage will help you with, let’s look into what isn’t covered:

noAutomobile accidents: In the US, your car insurance usually includes its own personal liability benefit. Health and travel insurance plans are generally not designed to cover the cost of an automobile accident but they could help as a secondary insurance plan.

noIntentionally causing injury or damage: Personal liability is not going to cover you if you damage your worst enemy’s car on purpose or if you intentionally hurt someone to get to the last TV during Black Friday shopping. If it’s against the law, it will not be covered.

noInjuries or damages while working: Like car accidents, in the US, your employer could offer personal liability coverage for everyone in the company in case you get injured while working. Otherwise, if you or someone else gets hurt while at work, you will be able to file a claim through worker’s compensation.

noInjuries or damages while you’re home: This benefit will not cover your property if it gets damaged by a fire or stolen. It will not cover your property if a storm breaks a window in your rental apartment and it floods. There are specific insurance plans like rental insurance or homeowners insurance that will cover those things instead.

If personal liability is something that you would like to include in your health insurance plan, here are some options International Student Insurance can offer:

Student Secure plan – Elite level

Our most popular option for international students coming to the US is the Student Secure plan. It comes in four levels (Smart, Budget, Select, and Elite). In addition to offering coverage for hospitalizations, doctor’s visits, prescription medication, emergency evacuation and repatriation, the Elite level of the plan offers coverage for personal liability in the amount of $250,000 USD.

Student Health Advantage plan

A great option for international students and their dependents is the Student Health Advantage plan. It comes in two levels, Standard and Platinum. Both levels offer medical benefits like hospitalizations, doctor’s visits, prescription medication, emergency evacuation, mental health, and sports. It will also cover personal liability in both levels for up to $10,000 USD.

Atlas Travel plan

Ideal for anyone traveling outside of their home country for a short period of time whether as a student or for leisure. The Atlas Travel plan will offer travel medical insurance including hospitalizations, doctor’s visits, emergency evacuation, coverage for adventure sports, trip interruption. It will also cover personal liability in the amount of $10,000 USD and has the option to upgrade this benefit to up to $100,000 USD for an additional premium.

Patriot Travel plan

Our Patriot Travel plan comes in two levels, Standard and Platinum, and offers coverage for up to 3 years in the Platinum level. The plan will cover hospitalizations, doctor’s visits, prescription medication, emergency evacuation, end of trip home country coverage, recreational sports. The Standard level will cover personal liability up to $10,000 USD and the Platinum level offers the option of adding personal liability coverage for an additional premium.


Hopefully this overview of personal liability will help guide you on choosing the appropriate coverage. Insurance is handled differently in the United States. It is tricky to find a plan that will cover all of your needs but the best way to protect yourself is being aware of the benefits on your policy. You might have more coverage than you think!

Maternity Coverage for International Students

September 21st, 2018 by Leah Hammond


When you’re studying internationally, choosing the right insurance plan can be daunting. You want to make sure you’re covered in case you need to seek medical attention. If you are a woman studying internationally or if your wife is traveling with you while you study outside of your home country, maternity coverage may or may not be on your mind. Pregnancies can occur, planned or not, and health care costs can be expensive. Maternity benefits are an important part of a comprehensive international student insurance plan and it’s important to consider the costs of maternity care in, the United States and understand what your plan will cover.

Maternity Costs in the United States

Maternity expenses in the United States are significantly higher than around the world, and the cost to have a baby can add up quickly. The price of health care varies dramatically by state and will even depend on which hospital you visit, so it’s nearly impossible to put a price tag on the cost of giving birth in the United States. Luckily, your health insurance plan will cover a large amount of your maternity expenses, so if you’re considering having a baby while you in the U.S., it’s very important to have a plan that includes comprehensive maternity coverage.

What is Included in My Plan’s Maternity Coverage?

A typical pregnancy includes prenatal care, delivery, and postnatal care with a doctor to ensure a healthy baby and mother.

  • Prenatal care includes visits and check-ups with the doctor before the baby is born. This includes ultrasounds, which typically cost about $200 each, routine blood tests, and urinalysis tests to make sure the baby is developing in a healthy way. If your pregnancy is considered high-risk because of your age or health conditions, you may require more frequent visits and you may need to see a doctor who works with high-risk pregnancies. Without insurance, prenatal care alone typically costs around $2,000 or more in the USA.
  • Delivery of a baby includes a hospital stay which can vary in length depending on the type of birth and complications and is the most expensive portion of the pregnancy. On average, without insurance, an uncomplicated vaginal birth will cost around $12,000, while a standard caesarean section will cost $17,000.
  • Postnatal care lasts six to eight weeks after the birth and ensures the physical and emotional health of the mother and baby. The typical cost of a postpartum checkup is similar to that of a prenatal visit — usually between$100 and $200 without insurance.

What are My Insurance Options?

It is important to be prepared and do your research before coming to the United States, especially when it comes to finding the right insurance plan for you! Most insurance plans in the U.S. will not cover a pregnancy if you become pregnant before your policy becomes effective – so think ahead!

  • Major Medical Plan. The Global Medical Plan – offers maternity coverage on the Platinum level. This plan does have a 10-month waiting period before you can receive full maternity benefits. It is a great long-term plan option for both students and dependents in the United States.
  • Student Plans. the Student Secure and Student Health Advantage plans – also offer maternity coverage on certain levels of the plan. On the Student Secure plan, maternity coverage is available on the Budget, Select, and Elite levels. On the Student Health Advantage plan, maternity coverage is available on the Platinum level. To be eligible for these plans, you do have to be enrolled as a full-time international student with a valid student visa. It’s important to keep in mind that the plans will only offer coverage for maternity if you become pregnant after the effective start date of your plan.
  • Already pregnant? Unfortunately, we do not have any plans that would cover your maternity expenses. However, our Atlas Travel Medical plan will cover the complications of pregnancy for the first 26 weeks should something happen.

Maternity coverage is one of many important considerations when choosing your insurance plan. For more information on the best option for you, please visit our Insurance Explained section or contact our friendly customer service representatives!

The Travel Video Contest is Back!

September 14th, 2018 by Sutherland Beever

The Travel Video Contest on is back with another $4,000 Grand Prize to give away!

To enter this year’s Travel Video Contest, all you need is a bit of initiative, the desire to travel or study abroad and some decent videotaping equipment.  It’s very likely  you already have been bitten by the travel bug and you may even have a smartphone in your pocket to film your project, so what are you waiting for? Oh, and did I mention that the Grand Prize winner gets $4,000?!? Yes, you read that right – $4,000!

Want to check out the other great prizes?

Here’s What you Need to Know: 

  1. Your video needs to be high quality, and can’t be more than 4 minutes long.
  2. Current international students must make a video about a trip that you would like to take sometime in the future.
  3. Aspiring international students need to make a video about the experiences and knowledge that you will gain as an international student.
  4. Your video needs to stand out among the competition to win the Grand Prize title, so be sure to include your own swagger and creativity within your submission.

Need some tips and tricks before you start filming?

Dates to Remember:

Submission Deadline – October 9th, 2018

Finalists Announced – the week of November 7th, 2018

Winners Announced – November 16th, 2018

This is one of those amazing opportunities where there really isn’t a ‘right’ or ‘wrong’ way to go about your film, presuming you follow the short set of rules. Other than the length and subject matter of your video, so feel free to make your submission as serious or as goofy as you are.  You are the director, the subject matter and the editor of your own film, so all of the decisions are yours to make!

Click here to get started!

International Student Insurance Recently Targeted in Phone Scam

September 10th, 2018 by Bryanna Davis

At International Student Insurance we have recently been the target of a malicious phone scam. Our phone number is being spoofed by a disreputable telemarketing company and used to call individuals throughout the United States and around the world. Individuals who have received a call from these telemarketers are also a victim in this scam and should not give out any personal information.

The Federal Communications Commission defines illegal spoofing as the following: “Caller ID spoofing is when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity. Spoofing is often used as part of an attempt to trick someone into giving away valuable personal information so it can be used in fraudulent activity or sold illegally, but also can be used legitimately, for example, to display the toll-free number for a business.”

Please note that we do not call potential customers asking for business, and we will never call you asking for personal information over the phone. If you have received an abusive call, the call was not from us – even if you call back the number from caller id and it directs to us. Instead, the fraudulent callers have spoofed our number.

We have reported this situation to the FCC and FTC for investigation. We regret any inconvenience this may have caused you and are doing everything possible to stop this from continuing. You can learn more about robocalls and spoofing from the Federal Trade Commission, and you can use that same link to report the abusive call.

5 Steps to Waive Your School’s Group Insurance Plan

July 13th, 2018 by Jennifer Frankel

If you will be an international student attending college or university in the US, then chances are your school has certain health insurance requirements to make sure you are properly protected. Many schools have a group plan that they automatically enroll their international students in, but may give you the option to opt out if you can show proof of an alternative insurance policy. If you decide to waive your school’s group insurance plan, you will not only be able to find a plan that meets your unique needs, but oftentimes you will find plans that are less expensive. In some cases, you can save thousands of dollars!

In this blog, we will walk you step-by-step on how you can save money, find a plan specific to your needs, and waive your school’s group insurance plan:

Step 1. Find Out Your School’s Policy

Your school most likely has requirements when it comes to your health insurance plan. Find out if they have a group plan, and if so, whether you are able to waive the plan by purchasing your own policy that meets certain requirements. Your school may have a compliance or alternative insurance waiver form you need to complete which typically list these requirements.

IMPORTANT: Note any deadlines since most schools will not provide extensions!

Step 2. Find and Purchase An International Student Insurance Plan

Once you know the requirements, the next step is to find a plan that meets your school’s criteria, as well as meets your own personal needs. Both our Student Health and Student Health Advantage plans are popular options that will work for almost any school.

To see which plan will work, use our school requirements database tool to locate your college or university, and see which of our plans will meet. You can also contact us to confirm whether our plans will work. Once you’ve find the right plan, you’ll need to enroll and pay for the policy. Depending on the plan, you may be able to get same day or next day coverage, and you’ll receive an email confirmation right away.

Tip: Check with your school to see what dates you must be insured for. Many schools will deny your waiver if you don’t have coverage for the full semester, or even the academic year.

Step 3. Complete the Waiver Form

Your school may have an online or paper waiver/compliance form that you will need to complete and submit to your school. You must fill out this form for the school to review and approve the waiver. In some cases, you will be required to have the insurance company complete a portion of the form (see Step 6).

Step 4. Submit the Form to the Insurance Company

If there is a portion of your form that needs to be completed by the insurance company, be sure to fill out the student section, and include your name, certificate/policy number, and signature if needed. You can fax or email the form to ISI at:

Fax: 904-212-0412

Our typical turnaround time is 2-3 business days.

Step 5. Submit the Form to your School

Depending on the school, the insurance company can submit the waiver/compliance form on your behalf. If you prefer to do it, the insurance company can send this back to you to submit. Be sure you keep track of any deadlines of submission!

Once your school has reviewed your waiver, they will let you know whether your plan has been accepted. If not, they will tell you why it wasn’t accepted (and if not, be sure to ask!). Many schools may put a hold to register for classes, so you’ll want to get this done as soon as possible.

To see what plans work for you to waive your school’s group insurance plan, check out our school requirements database and if you need any help, we have customer service representatives available to help you every step of the way.

Does my health insurance cover car accidents?

June 22nd, 2018 by Ross Mason

Car CrashWhen searching for health insurance, there are lots of things you need to take into consideration before purchasing coverage to ensure the plan fits your needs. There is the cost of the plan, making sure the benefits are what you need and required by your school (if they have requirements) and then there are the exclusions on the policy – what the plan does not cover.

One area of coverage that is oftentimes overlooked is coverage for car accidents. Whether you are driving a car or you are a passenger, you will want to make sure that your plan covers you in case something happens as not all plans are the same and some may limit or exclude it!

Auto Insurance Coverage

When we talk about car accidents, we are referring to coverage for bodily injuries that occur from being in a car accident and NOT damage to your car or another person’s car. Health insurance plans will never cover standard auto insurance benefits which actually insure the car – so we need to be clear on this. If you are driving a car, you will need to make sure you have appropriate auto insurance in place, which can either be obtained from the company you rented the car from, or whosever car you are borrowing or using.

Included Benefits

Your biggest concern when looking for an appropriate insurance plan is making sure that the plan will cover you if you are in an auto accident. If your plan does not mention car or auto accidents in the benefits or exclusions, then typically your plan will include full coverage for those events. Unfortunately, not all insurance plans are the same and there are good number of plans out there that will either limit, or perhaps even fully exclude car-related injuries. You cannot assume that this will automatically be covered, so it’s important to check the policy benefits and the exclusion list (in most cases it will be listed as a policy exclusion) located in the policy certificate.

Excluded in Certain Situations

Even if your plan does include coverage for car accidents, you should be mindful that other exclusions may come into play when either driving or as a passenger in a car. The most common areas are:

  • Alcohol or drug abuse
  • Racing
  • Committing a felony

If your injury from a car accident was in anyway related to any of the items listed above, they would typically be excluded and you would be responsible for your full medical costs.

Medical Coverage from an Auto Plan

There could be some instances where the auto insurance plan for the car you are driving, or being driven around in, will cover some or all of your medical costs if there was an accident. This will depend on the type of auto insurance plan, so while it could be a backup, it should not be relied upon as the sole way to be covered from an auto accident.

What if I get hit by a car?

Most of the scenarios in this blog have dealt with car accidents as either a driver or passenger, but what if you are hit by a car either riding your bike or walking in the road? In nearly all circumstances, unless the incident was related to one of the exclusions of your policy, this should be covered. In many cases, if this were to happen, some state laws in the US require that auto insurance plans include some form of third party coverage. It might only be a limited amount, maybe $10,000 or $20,000, but it could be higher depending on the type of auto insurance the driver had. These funds would pay your medical expenses, and then anything over these amounts would be your responsibility. If you have a health insurance policy, however, your health insurance would kick in and pay these benefits instead.

Hopefully this has given you some guidance on what to look for when purchasing an insurance plan. It can start to get tricky when you are dealing with car accidents because there could be coverage from the actual auto policy, as we highlighted above, but then if there are two cars involved, the one responsible for the accident should actually pay. So the best way to handle this is to make sure your own insurance plan covers what you need and you do not rely on auto insurance medical coverage.

What is Major Medical Insurance?

May 11th, 2018 by Jacqueline Schultz

Major Medical Insurance

What is Major Medical insurance? Our Major Medical Insurance plan is a long-term health insurance option that provides comprehensive coverage for international students, travelers, OPT and dependents. The plan comes in 5 levels – Bronze, Silver, Gold, Gold Plus and Platinum levels. Each level provides varying coverage amounts to meet your individual needs. The plan is medically underwritten and annually renewable, with monthly, quarterly, semi-annual and annual payment options.

Who Should Consider Major Medical Insurance?

Even though the Major Medical plan provides excellent coverage, this plan may not necessarily be for everyone. This is an annual plan in order to provide long-term coverage. If you need coverage for less than a year, we have other great plan options that you may learn about. The Major Medical plan is a great choice for those who are planning to start a family because maternity is covered on the Platinum level. Also, if you require more comprehensive coverage due to a pre-existing condition, our recent updates have made this plan an excellent option while you are traveling or studying abroad.

Updates for Prospective Members

For those of you who are currently exploring our comprehensive Major Medical Insurance plan, we have some exciting updates to share with you! Not only has our Major Medical plan been enhanced, providing even more extensive coverage, it has also added some brand-new benefits including:

  • United HealthCare Network (one of the U.S. largest PPO networks)
  • Immediate coverage for pre-existing conditions (Silver+ levels upon approval)
  • Podiatry Care (Gold+ levels)
  • Non-Emergency Dental
  • No additional Emergency Room deductible charge (outside the U.S.)


  • The updates only apply to those purchase the policy after January 1, 2018. For policies that existed prior to this date, these changes will not apply.
  • Medically underwritten means that the application requires you to answer a series of questions about your medical history. Underwriting will review your application once it is complete. You will receive a decision as to whether to accept the application as-is, or with modifications, or deny it entirely within 3-7 business days.
  • If your plan begins in 2018, the Major Medical plan will begin implementing automatic renewals. This is a convenient way to allow you to maintain continuous coverage while you are abroad. You will also receive a confirmation email 45 days in advance prior to your re-enrollment.
  • There is now a 9% annual renewal increase that is no longer based on age or length of coverage.
  • To view more commonly asked questions, be sure to take a look at our FAQ pages!

Our International Major Medical Insurance plan provides great comprehensive coverage. The Major Medical plan can certainly be a bit complicated to understand. However, we are always happy to assist with any concerns you may have. If you have any questions regarding this plan and the different coverage options, please do not hesitate to contact us for more information.

Student Secure and Patriot Travel Insurance Changes for 2018

May 4th, 2018 by Juncal Caballero

Good news! Our Student Secure and Patriot Travel plans have also been updated for 2018, and now the plans offer even more coverage than before!

Student Secure Updates

Beginning on May 1st, 2018, the Student Secure plan offers more comprehensive coverage at better rates.

The main highlights of the Student Secure updates include:

  • New policy maximum for the Budget level: $500,000
  • New policy maximum for the Select level: $600,000
  • New policy maximum for the Elite level: $1,000,000
  • The Smart level now includes coverage for Dental Treatment due to an accident of up to $250  per tooth (up to a maximum of $500), as well as coverage for Dental Treatment to alleviate pain up to a $100 maximum
  • Maternity is now covered on the Elite level up to $25,000
  • Outpatient prescription drugs on the Elite level are now covered 100% for  generic drugs and 50% for brand names
  • Vaccinations are now covered on the Elite level up to $150 (inside the US only)

About the Student Secure

The Student Secure plan provides international student health insurance to both international and study abroad students who are studying outside of their home country either in the USA or around the world. This comprehensive student health insurance plan offers coverage on a monthly basis that will meet and exceed nearly all school and government requirements, and is perfect for students on a J1 and F1 visa or OPT.

For a full list of the newly updated benefits of the Student Secure plan, please visit our benefits section.

If you would like to receive a free quote:


Patriot Travel Updates

Beginning on May 2nd, 2018, the Patriot Travel plan also offers more comprehensive coverage at better rates.

For our Patriot Travel plan – Standard level, the enhancements include:

  • The coinsurance inside the U.S. in-network is now 100% up to the policy maximum after any deductible
  • Doctor visits and urgent care centers now have a $25 co-pay and walk-in clinics have a $15 co-pay. These copays are waived if a $0 deductible is selected
  • Physical Therapy is now covered on the  Standard and Platinum levels
  • Dental Emergencies now covered up to $300
  • Traumatic Dental Injury is now covered up to the policy maximum
  • Emergency Evacuation increased to $1,000,000
  • Natural Disaster benefit increased to $250 per day
  • Personal Liability has been added and covers up to $10,000

About the Patriot Travel

The Patriot Travel Medical plan is a great option for individuals who are traveling abroad and is designed to provide coverage for illnesses and injuries that happen while traveling. The plan also includes travel benefits such as Emergency Evacuation, Repatriation of Remains, Lost Luggage, Trip Interruption and more.

For a full list of the newly updated benefits of the Patriot Travel plan, please visit our benefits section.

If you would like to receive a free quote:

If you have any questions about either plan, please do not hesitate to contact our team.

Find plans that best fit your needs

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