Frequently Asked Questions

Important Terms:

Copayment: payment made by an insured person per medical treatment or per prescription as indicated in the policy schedule.

Deductible: the amount you pay out of your own pocket before your insurance begins picking up any of the costs of health care.

Coinsurance: the specified percentage amount of a claim that is shared by the Insured Person and the Insurance Company.

Pre-existing Condition: means any injury or illness which was contracted, or which manifested itself, or for which treatment or medication was prescribed, prior to the effective date of this insurance as to the Insured.

Accident: means a sudden; unexpected; and unintended event.

Sickness: means sickness or disease of the Insured Person which causes loss and originates while the Insured Person is covered under this policy. All related conditions and recurrent symptoms of the same or similar condition will be considered one sickness.

Usual and Customary: means charges for medical services or supplies essential to the care of the Insured if they are the amount normally charged by the provider for similar services and supplies and do not exceed the amount ordinarily charged by most providers of comparable services and supplies in the locality where the services or supplies are received.

Who is Relation Insurance Services?

Relation Insurance Services is an insurance brokerage firm located in Manhattan’s Financial District which offers ISP Plans to eligible students, scholars and visitors.   

What if I can’t find my school?

Click here to locate the name of your school. If your school is not listed there, please contact us at telephone 1-877-738-5787 or via email  We are continually updating our site to list new schools that offer our ISP Insurance plans.

Becoming a participating organization does not require a financial or contractual obligation from the school in any way. If you are a student advisor contact us at 1-877-738-5787 or email us at to determine which plan is right for your college or university.

Which plan meets my university’s waiver requirements?

Our website is streamlined to allow you to enroll in the appropriate plan for your college or university. However, you should always verify that the plan meets your college or university’s current requirements prior to purchasing our plans. If you are unsure whether the plan meets the requirements, contact your advisor or an ISP representative.

What insurance is required for J1/J2 Visa Holders?

Effective May 15, 2015

Medical benefits of at least $100,000 per accident or illness;

Repatriation of remains in the amount of $25,000

Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and a deductible not to exceed $500 per accident or illness.

For more information refer to the US Government’s Electronic Code of Regulations.

How can I enroll for coverage under one of the ISP Plans?

Enrollment requests can be submitted through our online enrollment portal by clicking “Enroll Now” located on each web site page.

How can I pay for my insurance?

Insurance payments can be made via debit or credit card (American Express, Visa, MasterCard or Discover). 

Is there a minimum number of months that I must purchase?

For International Students coming to the US most plans require a minimum purchase of 3 months.

US Students studying abroad can purchase a minimum of 1 month.

What is the maximum duration of coverage that I can buy?

12 Months per policy period

Can I purchase coverage for my dependents?

Yes, if you are enrolled as a member under one of our plans you can add coverage for your spouse and child(ren).

How do I extend my coverage?

If you have been enrolled in an ISP Plan for 12 consecutive months you will be required to re-enroll for coverage via our easy to use enrollment portal. If you have not been enrolled for a full 12 months and wish to extend your coverage, you may contact ISP at 1-877-738-5787. 

Can I renew my coverage?

Coverage can be extended up to the maximum number of months allowed if you still meet eligibility requirements. It is the member’s responsibility to be aware of the date their coverage will end and to extend their coverage prior to expiration. For assistance with extending your coverage you may contact ISP at 877-738-5787 or via email at When sending the email make sure you include Name, Date of Birth, Member ID, and additional length of time.

My contact information has changed. How do I notify ISP?

Please send written notification of phone, email or address change to ISP via email:


How do I get my school’s waiver form completed?

Upon completing your enrollment, Contact an ISP representative via email at When sending the email please include a copy of your electronic member ID card to verify your enrollment, and a copy of your school’s current waiver form with your member section pre-completed.  Please allow up to 2 business days for your request to be processed and sent to your school.

How do I obtain a new identification card?

ISP members have 24/7 access to their electronic insurance ID card. 

Your identification card can be downloaded online by using one of the following hyperlinks:

Choose the appropriate link based upon the sender of the confirmation email you would have received after you completed your purchase/enrollment:,,

If you are unable to locate your confirmation email, please contact us at and our team can point you in the right direction.  When contacting us, please be sure to include your first name, Last name, Date of Birth, visa type, and the name of the college or university. 

How do I verify my coverage effective dates?

On most ISP Insurance ID Cards your coverage dates are listed.  If your id card does not list the coverage dates, you can view your coverage dates in the enrollment confirmation email received after your initial purchase or by logging into your member account. 

If you still require assistance you can contact an ISP representative at 877-738-5787.

Are any of the ISP Plans major medical policies?

They are not. All International Student Protection Plans are short-term accident and sickness insurance policies.

Do any ISP Plans provide coverage for intercollegiate sports?

Yes.  The ISP Pioneer Elite Plans have benefit options of $10,000, $15,000 or $20,000 for sports-related injuries and illnesses.  

Which Medical Network does my plan utilize and How do I find a participating providers?

Each ISP Plan has a designated primary medical network which is easily identified on your ISP Insurance ID Card.

Below are examples of the common medical networks used for the various plans:

ISP Trail Blazer or Pioneer Elite Plans (for member id #'s starting with an S and identified in Step 2 on your id cardmyfirsthealth

ISP Trail Blazer or Pioneer Elite Plans (for member id #'s starting with 4 letters) Primary Medical Networks (enter Access Code ACI) and Secondary Network.

IMG Patriot, Patriot Exchange Plans, and Student Health Advantage:  Provider Network

 Must I use an “In-Network” medical provider?

All ISP insurance programs offer the freedom to obtain treatment from medical providers that are within or out of our network of medical providers. It is recommended, however that an insured use an In-Network provider to maximize the amount of benefits paid by your insurance and to limit your out-of pocket expenses.

Do I need to receive treatment at my college or university’s Student Health Center?

It is always recommended that you first seek treatment at your college or university’s Health Service Center when practical. They have your medical records, provide many services free-of-charge, and have practical knowledge of the local medical community. Visiting the Student Health Center will also reduce your out of pocket expense.

ISP Plans do not require that you first be treated at the Student Health Center.

How do I pay for prescription drugs?

If your plan uses the Express Scripts prescription card, you will need to simply pay your co-payment at the pharmacy.

For all other plans, you will need to pay for the prescription in full and submit a claim for reimbursement. A copy of the prescription, receipt from the pharmacy, and completed claim form for the correct plan should be sent to the claims administrator for processing. For covered expenses, you will be reimbursed less any applicable deductible or co-payment.

When an expense is incurred, do I pay the medical provider or does the insurance company?

It is common for a hospital to bill the Claims Administrator directly, but many private physicians require payment at the time of treatment. If you pay a medical bill, submit the paid receipt to the claims administrator with the itemized bill and any reimbursement due will be sent to you via check; otherwise, payment is made directly to the medical provider.

How do I file a claim?

If your medical provider has submitted your claim information directly to the Claims Administrator you will simply need to complete a claim form and return it to the Claims Administrator. A separate claim form is needed for each sickness or injury.

If the medical provider has not submitted the claim information to the Claims Administrator, and you have paid the medical provider for the services provided, you will need to submit the itemized bill from the medical provider and receipt showing the amount paid, along with a completed claim form, to the claims administrator.

Be sure to use the appropriate claim form for the insurance company for your plan (Chubb, XL Catlin or IMG).


ISP Trail Blazer or Pioneer Elite Plans

(for member id #'s starting with an S and identified in Step 2 on your id card)

Recommended: Submit claims through Member Portal.

ISP Trail Blazer or Pioneer Elite Plans (for member id #'s starting with 4 letters) 

Email Recommended: or Member Portal. 

IMG Patriot, Patriot Exchange Plans and Student Health Advantage

Recommended: Submit claims through IMG.

Additional information is sometimes requested by the claims administrator after receiving your initial claims documentation, such as further details regarding the accident or sickness. Please be sure to reply promptly to any requests for information to ensure that your claims are processed in a timely manner.

How do I check the status of my claims?

Claim status can be obtained by calling our claims administrators at their toll-free numbers or via your online account.

You may also contact an ISP team member for issues with claims by emailing or calling 1-877-738-5787.

ISP Trail Blazer or Pioneer Elite Plans

(for member id #'s starting with an S and identified in Step 2 on your id card)

Relation Insurance Services: 888-388-0931 or Member Portal.

ISP Trail Blazer or Pioneer Elite Plans (for member id #'s starting with 4 letters) 

Administrative Concepts Inc.: 888-293-9229 or Member Portal. 

IMG Patriot, Patriot Exchange Plans, and Student Health Advantage

International Medical Group: 800-628-4664.

Can I request a refund of premium?

There are no premium refunds, except when the Plan Participant leaves school and permanently returns to his or her Home Country or enters the armed forces of any country in which case a pro rata refund (for the number of full months remaining in the term) will be issued only upon request and only if there are no claims on file. If eligible for a refund $25 early termination fee will be applied.  A refund request must be submitted in writing to  Premium refunds will not be considered if a claim has been filed during the period of coverage. Any approved or early cancellations and premium refunds will be credited to the original credit/debit card and subjected to a $25 early termination fee.

If I cancel my coverage can I still keep insurance for my dependent(s)?

Dependent coverage is only available with a primary insured person. If the primary insured cancels their coverage, any dependent coverage will terminate as well.