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Patriot Group Exchange : Reviews, Ratings, and Feedback

Patriot Group Exchange

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

Patriot Group Exchange is a Travel Medical insurance plan that provides health coverage for international students. The plan is designed to provide basic medical coverage, emergency services, evacuation and repatriation, and more for International Students, Scholars and their Families while abroad.

Patriot Group Exchange can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Patriot Group Exchange does not cover Pre-Existing medical conditions. Please review Patriot Group Exchange policy documents for complete coverage and exclusions.

Plan Highlights

  • COVID-19 Coverage: Included
  • 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
  • Acute Onset of Pre-Existing Condition Coverage
  • 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
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
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • COVID-19 Included
  • United Healthcare 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
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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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.