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Patriot Exchange : Reviews, Ratings, and Feedback

Patriot Exchange

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Patriot Exchange Insurance is an international travel medical insurance plan from International Medical Group (IMG), designed primarily for students, scholars, educators, and participants in cultural or exchange programs, including J-1 and J-2 visa holders. It can provide coverage for eligible medical expenses while traveling outside the insured person’s country of residence, with options for accompanying spouses and dependent children. Current plan materials show maximum limits of up to $500,000 per illness or injury, with coverage features that can include emergency medical evacuation, emergency reunion, prescription benefits, and access to the UnitedHealthcare PPO network in the U.S.

For travelers comparing Patriot Exchange travel insurance or Patriot Exchange visitor insurance, the plan may be relevant when looking for visitor insurance for the USA that is structured around exchange-program and visa requirements. VisitorsCoverage offers Patriot Exchange as part of its J-visa insurance options, while IMG serves as the plan administrator and current policy documents identify SiriusPoint Specialty Insurance Corporation as the insurer. As with any travel medical policy, benefits, limits, exclusions, eligibility, and visa-compliance requirements can vary by plan selection and state, so the applicable certificate and policy documents should be reviewed before purchasing.

Learn more about 4 optional add-on benefits available on this plan.

Plan Highlights

  • 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
  • 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
  • COVID-19 Coverage: Included
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: SiriusPoint Speciality 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

  • A.M. Best Rating: A
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • 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
  • COVID-19: Included
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

Similar Plans

Patriot Group Exchange

Comprehensive Coverage Plan, Comprehensive Coverage Plan, A.M. Rating: A
Underwriter: SiriusPoint Speciality 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.

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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.

Luna
VisitorsCoverage Support