International Medical Group (IMG)
IMG Patriot Exchange Program (UK)
Student travel medical insurance for study abroad — choose $50,000 to $500,000 per illness or injury and a $0 to $500 deductible
At a glance International Medical Group (IMG)
Monthly premiumFrom $36/mo
Last updatedOctober 1, 2026
01Coverage
What's Covered
Benefits and coverage details.
Included
Low entry price — from $36/month at age 24 ($50,000 limit, $500 deductible, cover outside the U.S.; IMG quotes in U.S. dollars)
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
02FAQ
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.
For a 24-year-old studying in the UK (coverage area 'worldwide excluding the U.S.', 12-month policy starting October 2026), IMG's online quote gives $59.00/month for the $500,000 limit with a $100 deductible, $42.40/month for $100,000 with a $500 deductible, and $36.00/month for the cheapest option ($50,000 with a $500 deductible). A $0 deductible costs more (for example $73.75/month at $500,000), and rates are higher from age 25. IMG quotes in U.S. dollars; the price in pounds depends on the exchange rate on the day you pay.
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?
Check the latest terms and prices for IMG Patriot Exchange Program on the provider's official website.