Student Insurance
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All Pan Atlantic students are covered by health insurance. Most students are covered by a PPO/NAP policy arranged through Pan Atlantic Foundation called “Aetna”.
When visiting a doctor’s office or medical facility, students should take their insurance card and Permission for Emergency Treatment Form(included in student application). If a student is seeking medical attention they should always contact their Area Representative for guidance. If the doctor’s office will not bill the insurance company for the student, then the student is responsible for paying the doctor’s office. They will need to keep all receipts to submit a claim to the insurance company for reimbursement. |
Sick and need to see a Dr. ?
Follow these steps when you are sick or need to see a Doctor.
1. Let your Area Representative know that you are sick and want to see a Doctor*. They are trained in this subject and can assist you and your host in finding you the appropriate care.
*We urge students to go to an Urgent Care or regular doctor. IF you go to the Emergency Room (ER) and they do not admit you, you will have to pay $350 out of pocket for your visit.
2. You will need to take your insurance card and student ID card. Your host will also need to take your permission to treat form that can be found in your application. (this is a form your parent(s) signed so that you can receive medical attention)
* Your insurance provider is Aetna NOT Pan Atlantic.
3. IF you receive a prescription for medication you must pay for your medication at the pharmacy. You will need to keep all of your receipts so you can fill out the form below and send it along with your receipts to the insurance company and they will reimburse you. In order to be reimbursed you must send your form and receipt within 60 days or less. ( You may also use this form if your medical provider does not bill the insurance directly.)
1. Let your Area Representative know that you are sick and want to see a Doctor*. They are trained in this subject and can assist you and your host in finding you the appropriate care.
*We urge students to go to an Urgent Care or regular doctor. IF you go to the Emergency Room (ER) and they do not admit you, you will have to pay $350 out of pocket for your visit.
2. You will need to take your insurance card and student ID card. Your host will also need to take your permission to treat form that can be found in your application. (this is a form your parent(s) signed so that you can receive medical attention)
* Your insurance provider is Aetna NOT Pan Atlantic.
3. IF you receive a prescription for medication you must pay for your medication at the pharmacy. You will need to keep all of your receipts so you can fill out the form below and send it along with your receipts to the insurance company and they will reimburse you. In order to be reimbursed you must send your form and receipt within 60 days or less. ( You may also use this form if your medical provider does not bill the insurance directly.)
Student Insurance Documents and ExclusionsEach student and host family have been provided with their Student Insurance ID and Visa Letter. The Visa Letter contains coverage information.
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Medical Provider
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Insurance Claim
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Insurance Support
For any insurance related issues, please fill out our online form and a member of our PAF team will reach out to assist you promptly. Please make sure to upload your student's insurance card and any bills that you need assistance with.
For any insurance related issues, please fill out our online form and a member of our PAF team will reach out to assist you promptly. Please make sure to upload your student's insurance card and any bills that you need assistance with.
Medical Treatment in the USA
This video explains Emergency Room, Urgent Care and Dr. Office visits and when you should seek care at each one.
You can also use this diagram to decide which provider to visit.
You can also use this diagram to decide which provider to visit.
Frequently Asked Insurance Questions
Hunting- Is it allowed?
The program rules state the students must follow local laws, and this includes laws regarding firearms. Students are responsible for reading the exclusions on their health insurance, which is covered in their handbook, on their visa letter, and on the website provided to them. There is no statement of exclusion of firearms on our insurance policy, except that self-harm is not covered. The students, natural parents, and host parents signed documentation stating they agreed to abide by federal, state, and local laws, which would include those related to the legal use of firearms, and the proper supervision required to do so. However, if any student or host family feels they should have their natural parent permission for this activity, please encourage them to contact the natural parents directly.
ATV’s or farm equipment- Are the students allowed to drive these?
The program rules state students must follow local, state, and federal laws, and this includes laws regarding motorized vehicles (this does not include driving automobiles which is prohibited per the program rule). Students are responsible for reading the exclusions on their health insurance, which is covered in their handbook, on their visa letter, and on the website provided to them. There is no statement of exclusion of motorized vehicles on our insurance policy. The students, natural parents, and host parents signed documentation stating they agreed to abide by federal, state, and local laws, which would include those related to the legal use of motorized vehicles, and the proper supervision required to do so. However, if any student or host family feels they should have their natural parents' permission for this activity, please encourage them to contact the natural parents directly.
Snow Skiing- is hitting the slopes covered under student insurance?
Yes! Snow skiing is an activity that is covered under the student insurance policy. This even includes emergency rescue.
Water skiing- is it covered under student insurance ?
NO! Water skiing is not covered by the student's insurance. Students may water ski but if they have an accident and need medical attention they will be required to pay out of pocket for their medical expenses. Insurance will deny all claims associated with water skiing.
Driver's License- can a student get their license while in the US?
This is a tricky question that we get over and over from students because the cost of obtaining a license in their country is much higher than in the US. Typically a student is not able to get their license while on program because driving of any kind is not covered by their insurance policy. However, if a driver's education course is offered by the student's school and the school provides a vehicle and carries the liability- the student may enroll in that course to obtain their license. At no time should the student drive outside of that course or drive a personal or host family vehicle.
January 2025 Student Insurance
All Pan Atlantic students are covered by health insurance arranged through Pan Atlantic Foundation called “Envisage Global Insurance”. EGI has a insured member database, Student Zone , which provides you with a one-stop resource for all your insurance needs and you should visit this to familiarize yourself with your insurance plan. It includes information such as:
• How to seek medical care
• Doctor/hospital search tool
• Claims documents
• Online claims tracking
• Access your policy documents
• How to seek medical care
• Doctor/hospital search tool
• Claims documents
• Online claims tracking
• Access your policy documents
All students are required to create a Student Zone account
to ensure they have a smooth and stress-free year!
How do I register for my MyIMG account to check my medical claims?
You can register for your MyIMG account once your coverage is active. To do this, please follow the steps below.
- Visit the MyIMG Registration page.
- Enter your IMG Insured ID Number (this can be found on your insurance ID card).
- Enter your Date of Birth.
- Once you have done that, the system will walk you through the rest of the setup process!
How do I file a claim?
Do I need to file a claim after every visit?
You will only need to file a claim if you paid for your visit or any prescription medication out of pocket. You will be able to submit your claim, along with any itemized receipts, bills, medical notes, etc. right online through MyIMG.
If you were not required to pay for your visit upfront, the doctor's office or hospital should submit the claim directly for processing. Once your claim has been processed, or if any additional information, like a Claim Form, Accident Questionnaire, or medical records, are requested, you’ll receive an email letting you know to log in to your MyIMG account so you can check on the status.
Please note: You will only receive an email notification if you’ve already registered for your MyIMG account. We recommend registering for your MyIMG account as soon as possible!
If you were not required to pay for your visit upfront, the doctor's office or hospital should submit the claim directly for processing. Once your claim has been processed, or if any additional information, like a Claim Form, Accident Questionnaire, or medical records, are requested, you’ll receive an email letting you know to log in to your MyIMG account so you can check on the status.
Please note: You will only receive an email notification if you’ve already registered for your MyIMG account. We recommend registering for your MyIMG account as soon as possible!
How can I check on the status of my claim?
You can check on the status of your claims through your online MyIMG account, or by contacting IMG directly with any questions you may have.
- MyIMG
- USA Toll Free: (855) 731-9445
- USA Direct: +1 (317) 927-6806
- Email: [email protected]
What is an Explanation of Benefits (EOB)?
When a claim is processed, you will be sent an Explanation of Benefits (also called an EOB), which will also be accessible through your MyIMG account. This will explain how your claim has been processed or if any additional information has been requested that you will need to submit. The following PDF document will help you read your EOB and understand how the claim has been processed.
I received a bill from my visit, what should I do next?
If you receive a medical bill, you should log in to your MyIMG account to make sure the claim associated with the bill is on file.
- If you do not see this claim through your MyIMG account, we would recommend contacting the phone number on the bill you received to make sure the doctor/hospital has your insurance information on file. You can provide them with the USA claims address listed on your ID card and ask that they submit the claim to the insurance company for processing.
- If the claim is on file, you can download the Explanation of Benefits through your MyIMG account to show how it was processed. If any additional information is needed to get the claim finalized, you can submit this through MyIMG.
- If you aren’t sure if the claim is on file or how it’s been processed, you can contact IMG directly for further assistance.