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Patriot Exchange Program


Our medical coverage is designed for students, families, and groups while studying abroad, or are participants in cultural exchange programs. Most options meet United States J1 and J2 visa travel insurance requirements.

We offer:

  • Coverage for students, groups, and/or their spouses and unmarried dependent children traveling with them

  • Plan maximum limits up to $500,000 per injury or illness with a Lifetime Maxium of $5,000,000

  • Groups may purchase customizable annually renewable long term plans

  • Freedom to seek treatment with hospital or doctor of your choice

  • Universal Rx pharmacy discount savibgs

  • 24 hour access from anywhere in the world to manage your account

  • Student Health Center $5 co-payment per visit

  • No co-insurances (percentages of charges)

  • Optional add-on coverage available for high school sports, interscholastic, intramural, or club sports; personal liability, and legal assistance

  • Inside the United States, the United Healthcare Options network is a longstanding reputable Tier 1 network that includes over 18,550 physicians and facilities

International Students and Faculty

Our speciality is providing health insurance enrollment  services to students and their families studying in the United States or overseas.


Coverage for international students studying in the U.S. is available to students on an F1 visa and meets the J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries and beyond with affordable health insurance plans.


Long- and short-term student health plans are great for:


  • Individuals and groups participating in international student programs

  • Cultural exchange participants

  • International graduate students

  • Scholars and educators

  • Dependents of those participating in international study programs 

Student Health Advantage

This plan is designed for students or scholars participating in a sponsored study abroad program who desire an annually renewable comprehensive medical plan. It includes benefits for maternity, mental health, organized sports, and international emergency care. Compared to the Patriot Exchange Plan, it is lower cost. But, it does expose enrollees to more financial risk.


  • Two levels of benefits available

  • Coverage for groups, individuals, and dependents

  • Freedom to seek treatment from hospital or doctor of choice

  • Student health center $5 co-payment

  • Meets student visa requirements

  • UnitedHealthcare network in the United States with over 18,550 physicians and facilities

Trip Protection

Would you like to be reimbursed if your trip cancels or is interrupted? We offer three levels of protection that will cover (based on the plan): 

  • 100% of non-refundable trip costs for trip cancellation

  • 125 - 150% of non-refundable trip interruption costs

  • Cancellation for any reason on the LX plan - up to 75%

  • Trip delay costs

  • Fees for making travel changes

  • Rental car damage and theft coverage - up to $40,000

  • Pet kennel expenses

  • Medical evacuation up to $1,000,000 (renting a private medical jet can be expensive)

  • Return transportation

  • Bedside visit transportation

  • Emergency evacuationa on LX plan

  • Baggage and personal effects coverage

  • Replacement of travel documents

  • Accidental death life insurance

  • Accident and sickness medical and dental expenses

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