Underwriter

Who underwrites the Patriot Exchange plan?

Sirius Speciality Insurance Corporation is the underwriter for the Patriot Exchange plan. The underwriter is rated A (excellent) by A.M. Best and A- by Standard & Poor's
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Eligibility

Am I eligible for the Patriot Exchange plan?

You are eligible for coverage under the Patriot Exchange plan anywhere in the world outside of your country of residence, as long as:
  • You are at least 31 days old but not yet 65 years old and,
  • You are an international student, visiting scholars, exchange students, or dependents with a valid F1/F2, J1/J2, M1/M2, or A1/A2 visa.
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Where will this plan cover me?

You are eligible for coverage under the Patriot Exchange plan anywhere in the world, outside of your country of residence. The country of residence is the country in which you maintain your current primary residence or usual place of abode and any country to which you pay income taxes based upon employment in that country. Upon purchase, you will have the option to purchase coverage that includes or excludes the United States.
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Application Help

When can I purchase my plan online?

You may purchase the Patriot Exchange plan at any time, up to 6 months in advance of your selected policy start date, and begin receiving coverage as soon as the next day. Please note that the full premium will be charged immediately at the time of the application.
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When does my coverage become effective?

Your coverage becomes effective on the start date that you select at the time of application (if you are applying online), the moment you depart your residence country, or at 12:01 am EST on the date you request on your paper application.
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When does my coverage end?

Your coverage ends on 12:01 am EST on the date you select at the time of application (if you are applying online), or the moment you depart your trip for your residence country.
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Will I get my documents immediately?

Yes! When you apply online, you will instantly receive a confirmation email with your policy documents that include links to both your ID card and Visa Letter. You may print these pages to show proof of coverage and will satisfy the requirements of most
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How do I get a visa letter?

Your Visa Letter will be included in the confirmation email you receive upon purchase. You may also access your visa letter online through your MyIMG account.
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What forms of payment do you accept?

We accept Visa, MasterCard, American Express, and Discover cards. If you would prefer to use pay via check or wire transfer, please contact us for assistance.
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How can I manage my account?

Upon purchase, you’ll have access to your MyIMG account. Through this online portal, you’ll have immediate access to many important resources, including 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, and much more.
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Understanding Your Coverage

Does this plan have dental coverage?

The Patriot Exchange plan does not provide coverage for routine or preventative care, like dental or vision exams. However, the Patriot Exchange plan does provide coverage for dental treatment due to a covered accident up to $500 limit or unexpected pain up to a $350 limit.
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What does URC mean?

URC stands for the Usual, Reasonable, and Customary amount. This amount is the average cost of a specific treatment or prescription in a specific geographic area. For example, if a particular procedure costs $5,000 on average in New York City, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment to "Usual Reasonable and Customary" — in this example, $5,000 and you’d be responsible for paying the remaining amount.
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What is pre-certification?

Pre-certification is when you contact the insurance company prior to getting treatment for a specific procedure. Pre-certification must take place within forty-eight (48) hours after the admission, or as soon as is reasonably possible. If the following treatments are not pre-certified, there will be a 50% reduction in the coverage of eligible medical expenses.
  • Chemotherapy
  • Extended Care Facility
  • Home Nursing Care
  • Inpatient Hospitalization
  • Radiation Therapy
  • Surgery or Surgical procedure
If the following are not pre-certified, there will be no coverage of eligible medical expenses:
  • Interfacility Ambulance Transfer
  • Emergency Medical Evacuation
  • Emergency Treatments new on International plans
You or your healthcare provider can pre-certify in the following ways:
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What is a deductible?

The deductible is the dollar amount you must pay to your provider before the insurance company will cover a percentage of eligible expenses. Please note that the deductible is per person, and per illness/injury. On the Patriot Exchange plan, the deductible options are $0, $100, $250, or $500.
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What is coinsurance?

Coinsurance is the “cost-sharing” between you and the insurance company. After you satisfy the deductible, the insurance company will pay a percentage of remaining eligible expenses. The coinsurance on the Patriot Exchange plan is as follows:

Inside the United States or Outside of the United States: 100% of eligible expenses, after the deductible is met, up to the policy maximum.
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What is the Universal Rx Discount Card?

The Universal Rx Discount Card is a discount savings program that allows you to purchase prescriptions from one of 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 program is not insurance coverage; it provides reduced rates at participating pharmacies.
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Renewability, Extensions and Cancellations

Can I extend or renew my insurance plan?

Yes! You are able to extend your coverage. If you purchase this plan for less than 365 days, you may extend your Patriot Exchange plan up until you have fulfilled the full 365 days of coverage. From there, you may renew your plan up to three additional years through your MyIMG account.
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My plan has expired, how can I reinstate it?

Unfortunately, once a plan has expired, it cannot be reinstated. However, you may purchase a new Patriot Exchange plan by clicking here. Please keep in mind that if you had coverage for a condition during your first plan or if any condition occurred during the lapse in coverage, it would not be covered on a new plan because it would now be considered a pre-existing condition. Pre-existing conditions will only be covered after the waiting period stipulated in the certificate of coverage.
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Can I cancel my Patriot Exchange plan?

You will have three days from the initial effective date of coverage, called the Review Period, in which you can review the benefits, conditions, limitations, exclusions, and all other terms of the plan. If you are not completely satisfied, you can cancel the plan for a full refund. After the Review Period, the following conditions will apply:
  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company:
    • only full month Premiums are refundable, no partial refunds will be granted
    • there will be a $50 cancellation fee applied
    • only Premium covering time periods after cancellation are refundable
All cancellation requests must be submitted in writing, and a cancellation form must be completed. No cancellation requests can be accepted over the phone. You may send this request to info@internationalstudentinsurance.com.
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Seeking Treatment

How are claims paid?

Claims will be paid depending on where you are located and where you seek treatment:

In-network while inside the USA
When you visit a provider that is part of the plan network your insurance bill is typically paid directly, so you would just need to pay your deductible or copay at the time of treatment. To confirm direct billing, it is important to check with the provider before you seek treatment.

Out-of-network while inside the USA
Generally, when you visit a provider that is outside the network, you will need to pay for all services up front and then submit a claim form, along with any bills and receipts from your visit, for reimbursement.

Outside the USA
When visiting a provider around the world, please pay for the services up front and then submit a claim form for reimbursement. If you are hospitalized for an emergency or planned hospitalization you will need to call the 24-hour emergency assistance number located on the back of your insurance ID card and they will assist you further with settling the hospital bills.

No matter where you seek treatment, you will want to complete a claim and/or accident form within 180 days of the illness/accident and email it to CustomerCare@imglobal.com. If you were required to pay anything out of pocket at the time of treatment, make sure to send your itemized receipts and any bills so that your claim is processed as quickly as possible. You can access the claim and accident form and submit your claims through your MyIMG account. Tip: Please ask for all your medical documents at the time of treatment, including your medical records, in case they are requested at a later date.
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