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Patriot Group Exchange : Reviews, Ratings, and Feedback

Patriot Group Exchange

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

Patriot Group Exchange (A.M. Best Rating: A) is a travel medical insurance plan for exchange programs, mission trips, educational travel, and other organized groups. It helps satisfy J visa insurance requirements while providing comprehensive medical coverage, emergency assistance, and convenient group enrollment. Coverage is available from 1 month 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 expenses, up to the selected policy maximum.

Patriot Group Exchange does not cover pre-existing conditions. Patriot Group Exchange Includes limited coverage for pre-existing conditions after 12 months of continuous coverage, up to $500 per period of coverage and $1,500 maximum lifetime benefit.

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

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
  • 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.

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VisitorsCoverage Support