Patriot Exchange

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

Patriot Exchange (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for exchange students, teachers, scholars, and cultural exchange participants. It helps meet J visa insurance requirements while providing comprehensive medical benefits and emergency assistance throughout the exchange program. Coverage is available 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 90% of eligible medical expenses up to $1,000, then 100% thereafter, up to the selected policy maximum. Outside of the PPO network, the plan will pay 80% in eligible medical expense, up to the selected policy maximum.

Patriot Exchange does not cover pre-existing conditions. Pre-existing conditions are covered under Patriot Exchange after 12 months of continuous coverage, up to $500 per period of coverage and $1,500 maximum lifetime benefit.

Review the Patriot Exchange policy documents for complete coverage details, exclusions, and limitations.

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

How Patriot Exchange Works

In Network

90%

After deductible, 90% of first $1,000, 100% thereafter
See How Patriot Exchange Works.

Out of Network

80%

After deductible, 80% up to policy maximum

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Medical Coverage

Included

Emergency Dental Coverage

Up to $500

Incidental Trip

Included

Lab & X-Rays

80% up to policy maximum

Medical Evacuation

Up to $50000

Urgent Care

$50 copay, 80% up to Policy Maximum

Medical Coverage

Included

Lab & X-Rays

80% up to policy maximum

Emergency Dental Coverage

Up to $500

Medical Evacuation

Up to $50000

Incidental Trip

Included

Urgent Care

$50 copay, 80% up to Policy Maximum

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.

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 5 days up to a maximum of 48 continuous months
Extendable for up to 48 months
If initially purchased for a minimum of 5 days or more, coverage may be extended

Eligible Medical Expenses

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Available Policy Maximums

$50K $100K $250K $500K

Limits may vary based on age or destination of traveler

Available Deductibles

$0 $100 $250 $500

Limits may vary based on age or destination of traveler

Pre-Existing Conditions

Period of Coverage Limit (after 12 months): $500
Maximum Limit: $1,500
Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.

Please review your policy document for any other limits or exclusions.

Acute onset Pre-Existing Condition

Not covered

Prescription Drugs / Medicines

90% of first $1,000, 100% thereafter

Dr. / Physician Visit

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Urgent Care

In-Network

$50 copay, 90 % of first $1,000, 100% thereafter

Out-Network

$50 copay, 80% up to Policy Maximum

Surgical Treatment

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Lab & X-rays

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Hospital Room and Board

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Dr. / Physician Visit

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Surgical Treatment

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Ambulance Expenses

In-Network

Up to 100%

Out-Network

Up to 100%

Emergency Room

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Dental Emergency

Up to $500

US Border Entry Protection

Not covered

Emergency Medical Evacuation / Repatriation

Up to $50,000

Return of Mortal Remains

Up to $25,000

Trip Interruption

Not covered

Trip Delay

Not covered

Lost Luggage

Not covered

Terrorism

Up to $50,000

Personal Liability

Optional Coverage:

Injury to third party: $2,000 per period of coverage limit after $100 deductible

Damage to third party’s property: $500 per period of coverage limit after $100 deductible

Identity Theft

Not covered

Legal Fees

Optional Coverage

Lost or Stolen Passport

Not covered

Missed Connection

Not covered

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.

Age	Lifetime Maximum
0-49	$50,000
50-59	$30,000
60-64	$15,000

Device Protection Rider

Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

Unlike most riders, Device Protection Coverage is sold for each Traveler independently.

Collision Add-On

The Collision Add-On Rider offers extensive coverage for collision sports, with the following benefits:

● Medical expenses up to $50,000 for injuries from collision sports
● $250 for lost baggage
● $500 for legal assistance fees
● $2,000 for personal liability, excluding family-related incidents, work activities, and certain types of property

Non-Collision Add-On

The Non-Collision Add-On Rider provides coverage specifically for non-collision sports activities. It includes:

● Medical expenses related to non-collision sports injuries
● Up to $250 for lost or stolen baggage
● $500 for legal assistance fees
● $2,000 for personal liability, covering non-family, non-vehicle, and non-work-related incidents

COVID-19 Medical Coverage

This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.

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 Vaccine/Booster

Not covered

COVID-19 Quarantine Coverage

Not covered

Doctor Wellness Visit

Not covered

Preferred Rates

Not covered

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

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.

The minimum coverage period is 5 days and the maximum coverage period is 48 months. This plan is for people between the ages of 31 days to 64 years. Coverage becomes effective when the insured 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 Country.

Yes, after 12 months of continuous coverage, this plan covers up to $500 per year; $1,500 lifetime maximum for pre-existing conditions. For more details & exclusions regarding the pre-existing conditions, please check the plan Description of Coverage.

Within the USA, the network provider for this plan is UnitedHealthcare Network. You may also go to any doctor or medical facility of your choice.

Please refer to the following article about the policy usage:
How to Use Your Visitor Insurance

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Yes, if you purchase the plan initially for a minimum of 5 days, coverage may be extended for a total of up to 48 months.

Yes, you can cancel this plan. Full refund is available if you request for cancellation before the start date. After the start date, a refund for the unused days is available if no claims have been made. $50 Cancellation fee is applicable.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, and a valid credit 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. When completing the online application, choosing online fulfillment means you'll receive everything via email.

Patriot Exchange can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are eligible countries outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am EST the day after the last date of coverage.

No, your Patriot Exchange plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

The Patriot Exchange plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Patriot Exchange will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

The Patriot Exchange plan does not offer any coverage for quarantine.

Yes, this plan provides coverage for the participant's spouse and unmarried dependent children aged between 31 days and 19 years old, traveling 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.

No, this plan does not cover for pregnancy.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

The Adventure Sports Rider offered in the Patriot Exchange plan must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

The Mobile Device Protection rider is an optional coverage that can cover the insured's cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.

The Collision Add-On rider covers up to $50,000 for collision sports, $250 for lost baggage, $500 for legal assistance fees, and up to $2,000 for personal liability.

Collision sports involve participants intentionally hitting or colliding with each other or objects including American football, boxing, ice hockey, lacrosse, full-contact martial arts, rodeo, rugby, and wrestling.

The Non-Collision Add-On rider covers medical expenses for non-collision sports, up to $250 for lost or stolen baggage, $500 for legal assistance fees, and up to $2,000 for personal liability.

A non-collision sports activity is one undertaken by amateurs for recreational, entertainment, or fitness purposes, without collisions.

Yes, you may purchase the policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date.

Learn more from informative articles at Visitor Insurance Information section.

Patriot Exchange can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Patriot Exchange plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

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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.

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Benefits

Eligibility

Purchase Restrictions

Plan FAQs

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
Optional Limited High School and College Sports Rider
Pre-Existing Conditions: No Coverage
COVID-19 Coverage: Included
No optional add-on benefits available

View Complete Details

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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.

Patriot Exchange

How Patriot Exchange Works

In Network

Out of Network

Key Travel Medical Insurance Benefits

Eligibility

Medical Coverage

Pre-existing Conditions

Out-Patient

In-Patient

Emergency Services

Dental Coverage

Travel Coverage

Optional add-on benefits

COVID-19 Benefits

Other