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Patriot Group Exchange : Reviews, Ratings, and Feedback

Patriot Group Exchange

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

Patriot Group Exchange Insurance is a group travel medical insurance plan from International Medical Group (IMG), designed for groups of students and participants in educational or cultural exchange programs traveling outside their home country. The plan is available to qualifying groups of at least five unrelated participants sponsored by the same organization and can provide coverage for eligible medical expenses, emergency medical evacuation, emergency reunion, and repatriation-related benefits, depending on the selected plan and policy terms.

For groups looking for Patriot Group Exchange travel insurance or exchange-program medical coverage, the plan offers several coverage-limit and deductible options, with some versions designed to satisfy U.S. J-1/J-2 visa insurance requirements. Coverage is underwritten by SiriusPoint Specialty Insurance Corporation and administered by International Medical Group (IMG). While it can be relevant for exchange participants coming to the United States, Patriot Group Exchange is not general visitor insurance for the USA, so travelers should review eligibility, exclusions, limits, and the applicable certificate before purchasing.

No optional add-on benefits on this plan.

Plan Highlights

  • 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
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: SiriusPoint Speciality Insurance Corporation
  • Best Suitable for: Students or scholars studying abroad or participating in cultural exchange programs
  • Eligibility (Who can buy this travel insurance?): J visa holders
  • Type of coverage: Comprehensive Coverage Plan
Reviews and Ratings

Reviews & Ratings

  • A.M. Best Rating: A (Excellent)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • PPO Network
  • After the deductible plan pays: Plan pays 100% per incident
  • International Coverage
  • Acute onset of Pre-Existing Conditions
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $50,000
  • Optional Personal Liability
  • Optional Adventure Sports Rider
  • COVID-19 Included
What's Not So Good

What's Not So Good

  • Acute onset coverage only available when purchasing worldwide coverage that excludes the U.S.
  • Only available for travelers under the age of 65
  • Pre-existing conditions covered only after 12 months of continuous coverage

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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.

Luna
VisitorsCoverage Support