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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 Exchange’s policy documents for complete coverage and exclusions.

How It Works

100%

In Network

100% up to policy maximum See How Patriot Exchange Works.

100%

Out of Network

100% up to policy maximum

Key Benefits

COVID-19 Included
COVID-19 Included
Extendable & Cancelable
Extendable & Cancelable
PPO
PPO
Medical Evacuation
Medical Evacuation
Urgent Care
Urgent Care
Medical Coverage During Travel
Medical Coverage During Travel
Comprehensive Coverage Plan
Comprehensive Coverage Plan
Coverage from 30 days to 365 days
Coverage from 30 days to 365 days

How COVID-19 is Covered Under Patriot Exchange

COVID-19 Medical Expenses
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
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

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit
Quarantine Benefit

No Coverage

Emergency Medical Evacuation
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 extended

Similar Plans

Patriot Group Exchange

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

Benefits
  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network up to the policy maximum per incident
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • 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
  • Optional Limited High School and College Sports Rider
  • Pre-Existing Conditions: No Coverage
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
Purchase Restrictions
  • Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.

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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.