Patriot Group Exchange Insurance provides medical insurance coverage for students studying abroad and for scholars or students participants of cultural exchange programs including J1, J2 Visas. The plan provides coverage per sickness or injury. After the fulfillment of the deductible by the insured, this plan pays 100% up to the policy maximum for each illness or injury.
Patriot Group Exchange Insurance
Underwriters: Sirius Specialty Insurance CorporationReviews and Ratings
- Patriot Group Exchange has good feedback and reviews from customers.
- Licensed and regulated by the Department of Insurance in the United States.
- All claims are handled in USA.
- Patriot Group Exchange insurance participates in PPO network (United Healthcare PPO) giving you access to thousands of reputed doctors, medical experts, and hospitals across USA. Providers can directly bill the insurance company and the transaction can be cashless.
Highlights
COVID-19 Included- AM Best Rating: A- (Excellent)
- Underwriter: Sirius Specialty Insurance
- Administrator: IMG (A US based reputed insurance administrator).
- Best Suitable For: Students or scholars studying abroad or participating in cultural exchange programs. Participants spouse and unmarried dependent children traveling with them on J2 visa are also covered. This policy meets the requirements for J1 and J2 visa holders.
- Patriot Group Exchange Insurance Reviews and Ratings: Rated A- by AM Best and A- by Standard & Poor's.
- Teladoc benefits: Telemedicine benefits are now offered for groups inbound to the U.S.
- 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.
Coverage becomes effective when the group member and his/her traveling dependents have legally departed the Home Country and legally entered the Host Country and are not citizens of the home country.
What's Good
- Comprehensive medical insurance for J1 and J2 visa holders available at an affordable price.
- PPO network coverage which means wider network and greater number of doctors, medical facilities, and hospitals covered across USA.
- Option to renew the policy online (If initially purchase for minimum 1 month)
- Cancellable and refundable. Full refund before coverage start date. After start date monthly refund if there is no claim. A $50 cancellation fee applies.
- Optional Lost Personal Property Benefit Rider
- Optional Limited High School and College Sports Rider
What's Not So Good
- Pre-existing conditions covered only after 12 months of continuous coverage.
- Only available for travelers under the age of 65.
- Baggage loss coverage not included in short-term plans. (Available with optional add-on).
How It Works
- After the deductible plan pays:Plan pays 100% per incident
- See complete Details - How Patriot Group Exchange insurance plan works?
Patriot Group Exchange Insurance Experiences
Patriot Group Exchange offers excellent benefits at an affordable price for those on a J1/J2 visa. It a is a popular plan among those traveling to the USA as international students, scholars, and people involved in cultural exchange programs.
Manage Your Patriot Insurance Policy Online: Renewal, extension, Visa Letter and more
Easily manage your Patriot Group Exchange insurance policy online by logging on My Policy to renew your plan, download your policy ID card, make changes to your policy, cancel your policy, and find helpful information about your plan.
Patriot Group Exchange Insurance Claim Information
It is recommended to download this claim form, complete it and send it to IMG after you have received medical treatment and services. Make sure to complete the claim form and provide the supporting documents for faster processing. To learn more, read the information about the visitor insurance claims process.
