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.
Patriot Group Exchange
Comprehensive Coverage, A.M. Best Rating: A
SiriusPoint Speciality Insurance Corporation
How It Works
90%
In Network
90% of first $1000, 100% thereafter See How Patriot Group Exchange Works.
80%
Out of Network
80% up to policy maximum
Key Benefits
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
How COVID-19 is Covered Under Patriot Group 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.
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 30 days up to a maximum of 48 continuous months
- Extendable for up to 48 months
- If initially purchased for a minimum of one month or more, coverage may be renewed
Similar Plans
Patriot Exchange
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- 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
- Provides Family Coverage
- Optional Limited High School and College Sports Rider
- Pre-Existing Conditions: No Coverage
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 30 days up to a maximum of 48 continuous months
- Extendable for up to 48 months
- If initially purchased for a minimum of one month or more, coverage may be extended
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Kosovo (XKX), North Korea (PRK), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Student Secure - Select
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of the first $5,000 then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Pre-Existing Condition: 6-month waiting period
- Outpatient Treatments
- Maternity Care for Covered Pregnancies
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
- Optional Accidental Death & Dismemberment Rider
- Optional Crisis Response Rider
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 14 days to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
- Extendable for up to 364 days
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Ukraine (UKR)
- Not available for Citizens of: Cuba (CUB), Syria (SYR) & Ukraine (UKR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS), Canada (CAN) & Ukraine (UKR)
Plan FAQs
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.
