Patriot Group Exchange is a Travel Medical insurance plan that provides health coverage for international students. The plan is designed to provide basic medical coverage, emergency services, evacuation and repatriation, and more for International Students, Scholars and their Families while abroad.
Patriot Group Exchange can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Patriot Group Exchange does not cover Pre-Existing medical conditions. Please review Patriot Group Exchange policy documents for complete coverage and exclusions.
Patriot Group Exchange
Comprehensive Coverage,
SiriusPoint Speciality Insurance Corporation
No additional coverage options on this plan.
How Patriot Group Exchange Works
In Network
90%
After deductible, 90% of first $1000, 100% thereafter
See How Patriot Group Exchange Works.
Out of Network
80%
After deductible, 80% up to policy maximum
Key Travel Medical Insurance Benefits
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
How COVID-19 is Covered Under Patriot Group Exchange
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Eligibility
- For international travelers on a J1/J2, M, F, or A visa
- For those ages 31 days to 64 years
- Coverage for a minimum 30 days up to a maximum of 48 continuous months
- Extendable for up to 48 months
- If initially purchased for a minimum of one month or more, coverage may be renewed
Similar Plans
Patriot Exchange
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:90% of first $1000, 100% thereafter.
Out of Network:80% up to policy maximum.
In Network:90% of first $1000, 100% thereafter.
Out of Network:80% up to policy maximum.
- COVID-19 Coverage: Included
- After the deductible, plan pays 90% of eligible medical expenses up to $1,000 per incident, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Repatriation for Medical Treatment
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Satisfies U.S. J1 and J2 visa requirements
- For students and scholars studying abroad or participants of cultural exchange programs
- Provides Family Coverage
- Optional Limited High School and College Sports Rider
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Add-On Plan
Provides additional coverage for loss/theft of baggage, valuables, and personal papers. Also, provides legal assistance for binder fees of up to $500 when served with summons. Additionally, provides personal liability coverage for injury to third party of up to $2,000 after $100 deductible, as well as for damage to third party's property up to $500 after $100 deductible. Provides limited high school sports coverage at 100% of URC.
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
Student Secure - Select
Comprehensive Coverage
Underwriter: Lloyd's of London
In Network:80% of first $5000, 100% thereafter.
Out of Network:100% of URC.
In Network:80% of first $5000, 100% thereafter.
Out of Network:100% of URC.
- COVID-19 Coverage
- After the deductible, plan pays 80% of the first $5,000 then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Pre-Existing Condition: 6-month waiting period
- Outpatient Treatments
- Maternity Care for Covered Pregnancies
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
- Optional Accidental Death & Dismemberment Rider
- Optional Crisis Response Rider
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
All additional coverage options may not be available to all travelers and are applicable based on eligibility. Additional coverage options eligibility can be viewed during the checkout process when given the option to add more coverage options to the policy. Also, check the plan brochure for full list of additional coverage options eligibility.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
