IMG Patriot Exchange Program

The State Department sets specific minimum benefit levels for J-1 visa holders, medical benefits of at least $100,000 per accident or illness, repatriation of remains, and medical evacuation coverage among them, and Patriot Exchange Program is built to satisfy those requirements directly rather than requiring a student to cross-check a general travel plan against the rule. That makes it a common default for au pairs, camp counselors, interns, and other categories of J-1 exchange visitor.

Coverage is primary and includes the mandated evacuation and repatriation benefits as standard, with mental health and maternity coverage available depending on the plan selected at signup. Pre-existing conditions follow IMG's standard exclusion across its Patriot line unless a specific acute-onset provision applies. Because it's designed around a legal requirement rather than general travel needs, it's worth confirming with a program sponsor that this specific plan is accepted before assuming any J-1-compliant-sounding policy will do.