Patriot Exchange
Comprehensive Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation
- AM Best Rating
- A- (Excellent)
- Administrator/Underwriter
- IMG
Sirius Specialty Insurance Corporation
In Network
After deductible, the plan pays 100% up to the policy maximum.
COVID-19 Included
Extendable & Cancelable
Urgent Care
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Note: Patriot Exchange Plan is not available for the residents of Maryland (MD).
Please review Patriot Exchange Insurance Brochure
or Description of Coverage (policy document) for complete and accurate coverage and exclusions. Out-Patient
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.
In-Patient
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
Dental
Acute, spontaneous and unexpected pain
Up to $350
Accidental emergency
Up to $500
Travel
Emergency Medical Evacuation / Repatriation
$50,000 Lifetime Maximum
Return of Remains
Up to $25,000
Emergency Reunion
Up to $15,000
Loss of checked Baggage
Covered under Optional Add-On plan
Life
AD&D
Up to $25,000
Other
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
Maternity
Not covered
General Physical full Checkup
Not covered
Terrorism Coverage
Not covered
Brochure
Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
Plan Administrator Company
IMG
Carrier / Underwriter
Sirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Plan Type
Comprehensive Coverage Plan
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
$5 per visit for Student Health Center, $50 copay for urgent care consultations and $20 copay for walk in clinics
Co-Insurance
No Co-Insurance
Coverage Type
Per Illness or Injury
Deductible Type
$100 per Illness or Injury
Renewability
Extendable (Only if initially purchased for 1 month) with $5 fee each time you extend, up to a maximum period of 48 months.
Cancellation
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
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
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. | |
| 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: support@visitorscoverage.com). We will complete it and fax it back to your school for you. | |
| Q6: Can I extend the Patriot Exchange plan? Yes, if you purchase the plan for a minimum of three months, coverage may be extended 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. | |
| Q16: Does Patriot Exchange cover coronavirus? For policyholders who purchased Patriot Exchange on or after March 24, 2021, coverage for COVID-19 will be covered the same as any other eligible illness for those who contract the virus after the policy effective date. Please login to My Policy to view your plan specific documents for any limits or exclusions. | |
| Q17. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
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.
