Patriot Exchange

Comprehensive Coverage,  Rated A (Excellent)Sirius International
AM Best Rating
A (Excellent)
Sirius International
In Network

After deductible, the plan pays 100% up to the policy maximum.

Renewable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Urgent Care
COVID-19 Excluded
  • Not available if Home Country is: Cuba, Iran, North Korea, Syria, United States, and Venezuela.
Patriot Exchange is a plan designed to meet the US visa requirement for a student studying abroad or a participant of a cultural exchange program including J1 and J2 visa holders . This plan has two options i.e. Standard and Basic.

Note: Patriot Exchange Plan is not available for the residents of Maryland (MD).
Please review Patriot Exchange Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.


Dr. / Physician Visit

Plan pays 100% up to the policy maximum.

Urgent Care

$50 copay for urgent care consultation

Prescription Drugs / Medicines

Plan pays 100% up to the policy maximum.

Lab & X-rays

Plan pays 100% up to the policy maximum.

Physical Therapy

Plan pays 100% up to the policy maximum.


Hospital Room

Plan pays 100% up to the use of Semi private room.

Hospital Intensive Care Unit

Plan pays 100% up to the policy maximum.

Drug/Alcohol Abuse

In-patient: Up to $10,000 max
Out-Patient: $50 maximum limit per day. $500 total limit

Emergency Services

Ambulance Expenses

Plan pays 100% up to the policy maximum(For illness only hospitalization cases would be covered)

Emergency Room(ER)

Added $250 for illness that does not result in hospitalization


Acute, spontaneous and unexpected pain

Up to $350

Accidental emergency

Up to $500


Emergency Medical Evacuation / Repatriation

$50,000 Lifetime Maximum

Return of Remains

Up to $25,000

Emergency Reunion

Up to $15,000

Return of minor Child(ren)

Not Covered

Loss of checked Baggage

Covered under Optional Add-On plan



Up to $25,000


Mental Illness

In-patient: Up to $10,000 max
Out-Patient: $50 maximum limit per day. $500 total limit

Pre-Existing Conditions

Covered after 12 months of continous coverage $500 per year; $50,000 lifetime maximum


Not covered

General Physical full Checkup

Not covered

Terrorism Coverage

Not covered



24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company


Carrier / Underwriter

Sirius International

AM Best Rating

A (Excellent)

Plan Type

Comprehensive Coverage Plan

Coverage in U.S.A.


Coverage outside U.S.A.



$5 per visit for Student Health Center, $50 copay for urgent care consultations and $20 copay for walk in clinics


No Co-Insurance

Coverage Type

Per Illness or Injury

Deductible Type

$100 per Illness or Injury


Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, up to a maximum period of 48 months.


Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable)

PPO Network

UnitedHealthcare Network

Coverage Length

Min 1 month to Max 48 months

Available Deductibles

$0, $100, $250, $500

Available Coverage

Ages 14 days - 64 years
Standard Short Term Plan: $50,000, $250,000, $500,000
Basic Short Term Plan: $10,000

Provider Directory

By Provider, 24 hours Worldwide, Phone Nos. : 866-281-1688

Plan Brochure

Patriot Exchange Insurance Brochure brochure

US States Restrictions

Not available for purchase in Maryland(MD) state.

Patriot Exchange Insurance FAQs

Q1: Am I eligible for the Patriot Exchange program?

This program is designed for students and scholars studying abroad or participants of cultural exchange programs. The member must be actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organization or school, or be the spouse or dependent of said student/participant traveling with them.

Your plan must become effective within 180 days of your arrival in the United States. The minimum coverage period is 1 month and the maximum coverage period is 48 months. This plan if for people between the ages of 14 days to 64 years.
Coverage becomes effective when the group member and his/her traveling dependents have legally departed the Home Country and legally entered the Host Country and are not citizens of the host

Q2: Are a student's dependents eligible for coverage?

Yes, this plan provides coverage for the participants spouse and unmarried dependent children travelling with them. Spouse and dependents can apply for coverage by themselves if they hold a J2 visa, and the J1 visa holder who is participating in the educational or cultural exchange program has purchased a plan through that program.

Q5. My program requires an Insurance Compliance Form or a Waiver Form be completed as proof of my insurance. Can you complete this form for me? What should I do?

First, purchase the Patriot Exchange Insurance. After your purchase (enrollment) is complete, simply fax or email your school's Compliance or Waiver Form to (317.665.4505 or email: We will complete it and fax it back to your school for you.

Q6: Can I renew the Patriot Exchange plan?

Yes, if you purchase the plan for a minimum of three months, coverage may be renewed for a total of up to 48 months.

Q7: Can I cancel the Patriot Exchange plan?

Yes, you can cancel this plan. Full refund is available if you request for cancellation before the start date. Only monthly is refund available, if cancellation is requested after start date and no claims have been made. $50 Cancellation fee is applicable.

Q8: Does this plan cover any pre-existing conditions?

Yes, after 12 months of continuous coverage, this plan covers up to $500 per year; 50,000 lifetime maximum for pre-existing conditions.

For more details & exclusions regarding the pre-existing conditions, please check the Inbound Guest plan brochure.

Q9. Does Patriot Exchange program cover pregnancy?

No, this plan does not cover for pregnancy.

Q10. Which doctor or hospital can I go to?

Within USA, the network provider for this plan is UnitedHealthcare Network. Or you can go to any doctor of your choice.

Q11: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

Q12: When will I receive my ID card?

The print out of the on-line confirmation /virtual ID card is the proof of insurance and can be used when you visit the doctor or hospital. While filling out the online application, if you select online fulfillment you will not receive anything in snail mail but in your email. If you select the snail mail option then you won't receive your ID card in email but to your mailing address within 5-10 business days.

Q13: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q14. Where can I find the claim information?

Please refer to the following article for the claim process: Visitor Insurance Claim Process

Q15: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section.


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.