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Patriot Exchange : Reviews, Ratings, and Feedback

Patriot Exchange

Comprehensive Coverage,Rated A- (Excellent)
Sirius Specialty Insurance Corporation

Patriot Exchange is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration available is from 5 days to 365 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay100% of eligible medical expenses, up to the policy maximum. Learn more about how Patriot Exchange works.


Patriot Exchange can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.


Patriot Exchange does not cover Pre-Existing medical conditions. Please review Patriot Exchanges policy documents for complete coverage and exclusions.

Plan Highlights

  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum per incident within the PPO network
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Dental Coverage
  • Prescriptions
  • 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
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: Sirius Specialty Insurance Corporation
  • Best Suitable for: Students or scholars studying abroad or participating in cultural exchange programs
  • Eligibility (Who can buy this travel insurance?): J visa holders
  • Type of coverage: Comprehensive Coverage Plan
Reviews and Ratings

Reviews & Ratings

  • AM Best Rating: A- (Excellent)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • COVID-19: Included
  • United Healthcare PPO Network
  • After the deductible plan pays: 100% up to the policy maximum within the PPO Network
  • International Coverage During Travel
  • Mental or Nervous/Substance Abuse Coverage
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $50,000
  • Optional Rider: Lost Personal Property
  • Optional Rider: Legal Assistance
  • Optional Rider: Personal Liability (Injury to third-party)
  • Optional Rider: Personal Liability (Injury to third-party's property)
  • Optional Rider: Limited High School and College Sports
What's Not So Good

What's Not So Good

  • Pre-Existing Coverage After 12-Month Waiting Period
  • Only Available for Travelers Under the Age of 65
  • $100 Fixed Deducitble

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Patriot Group Exchange

Comprehensive Coverage Plan, Comprehensive Coverage Plan, A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation

A group plan designed to meet the US visa requirement for students studying abroad or participants of a cultural exchange program including J1 and J2 visa holders.

0/3 selected

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.