International Medical Group (IMG)
IMG Patriot Exchange Program
Budget-friendly student travel medical insurance — flexible coverage limits, popular with international students worldwide
Last updated: April 27, 2026
What's Covered
Benefits and coverage details.
Included
Most affordable tier — from approximately £45/month for a healthy 24-year-old
Flexible coverage limits ($50K to $500K) and deductible options ($0 to $500)
Pays 100% outside the USA after deductible (no co-insurance abroad)
Optional adventure sports rider covers skiing, climbing, and more
Renewable up to 48 months; covers spouse and dependents
Not Covered
Designed primarily for the US market — best for students travelling between UK, USA, and home country
Pre-existing conditions excluded for first 12 months and capped at $1,500 lifetime
No maternity cover (Student Health Advantage Platinum required for that)
Lower coverage limits than premium global plans like Cigna Platinum or Bupa Global Elite
FAQ
Frequently Asked Questions about IMG Patriot Exchange Program
Yes, but with a caveat. UK students get NHS access via the Immigration Health Surcharge (£776/year), so private cover is optional. Patriot Exchange is most useful if you also travel to the USA during your studies, want supplementary private cover during NHS waiting periods, or need cover for a short course before NHS access kicks in.
Pricing starts around $54/month (~£45) for a healthy 24-year-old at the $500,000 plan maximum with a $100 deductible. Lower deductibles ($0) cost more; higher coverage limits cost slightly more. You pay annually or monthly.
Pre-existing conditions are excluded for the first 12 months. After 12 months of continuous coverage, IMG covers up to $500 per period of coverage with a $1,500 lifetime maximum. If you have significant pre-existing conditions, consider Cigna Global or Bupa Global Major Medical instead.
Yes — the policy is renewable in 5-day to 12-month increments, up to a maximum of 48 continuous months. You must keep paying premiums on time without gaps to maintain pre-existing condition credits.
Ready to Get Insured?
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