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.

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

Extendable & Cancelable

PPO

Medical Evacuation

Urgent Care

Medical Coverage During Travel

Comprehensive Coverage Plan

Coverage from 30 days to 365 days

How COVID-19 is Covered Under Patriot 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
If initially purchased for a minimum of one month or more, coverage may be extended

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

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Benefits

COVID-19 Coverage: Included
After the deductible, plan pays 100% of eligible medical expenses within the 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
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
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.