This program is available for individuals currently participating in educational or cultural exchange programs abroad, or those who are dependents or spouses of such participants. To qualify, the participant must be actively engaged in an exchange program in the host country, sponsored by an organization or school. The plan must begin within 180 days of arrival in the U.S., and it is open to individuals aged 14 days to 64 years. Coverage starts once the participant and their dependents have legally entered the host country and are not citizens of that country.
Patriot Exchange
Patriot Exchange
Patriot Exchange is a travel medical insurance plan created for international students, scholars, and cultural exchange participants traveling outside their home country. The plan is especially suitable for J-1 and J-2 visa holders as it is designed to help meet common exchange program insurance requirements. It provides dependable medical protection during your stay abroad and helps manage unexpected healthcare expenses while studying or participating in exchange programs.
The plan offers flexible coverage periods, allowing participants to choose protection based on their program duration. Patriot Exchange includes benefits such as hospitalization, physician visits, diagnostic services, prescription medications, mental health coverage, and emergency medical evacuation. After the selected deductible is met, eligible medical expenses are covered up to the chosen policy maximum according to the policy terms.
Patriot Exchange also includes coverage for COVID-19 as any other eligible illness that occurs after the policy effective date. Additional benefits such as repatriation of remains, emergency assistance services, and worldwide support help provide peace of mind during international travel. The plan is administered by International Medical Group (IMG), a trusted provider of global travel medical insurance solutions.
Key Highlights
- ACA compliant coverage designed for international students and scholars
- Overall Maximum Limit options available up to $5,000,000
- Deductible options from $0 to $2,500
- Coinsurance 100% after deductible up to the policy maximum
- Emergency Medical Evacuation up to $500,000
- Repatriation of Remains up to $50,000
- Coverage for mental health, maternity and preventive care as per ACA requirements
- Prescription drug coverage included
- COVID-19 covered same as any other eligible illness
- Access to UnitedHealthcare PPO network
- 24/7 travel assistance services included
Note:
Please review Patriot Exchange policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | IMG |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
| Urgent Care | In-Network $50 copay, 90 % of first $1,000, 100% thereafter Out-Network $50 copay, 80% up to Policy Maximum |
| Surgical Treatment | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
| Prescription Drugs / Medicines | 90% of first $1,000, 100% thereafter |
| Lab & X-rays | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
| Physical Therapy | In-Network: 90% of first $1000, 100% thereafter; up to 1 visit per day. Out-Network: 80% up to policy maximum; up to 1 visit per day. |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
| Surgical Treatment | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
| Hospital Intensive Care Unit | In-Network: 90% of first $1000, 100% thereafter Out-Network: 80% up to policy maximum |
| Drug/Alcohol Abuse | In-patient : Up to $10,000 maximum limit In-Network: 90% of first $1000, 100% thereafter up to maximum limit Out-Network: 80% up to maximum limit Out-Patient : $50 maximum limit per day. $500 total limit In-Network: 90% up to maximum limit Out-Network: 80% up to maximum limit |
| Dr. / Physician Visit | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Up to 100% Out-Network Up to 100% |
| Emergency Room | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | $350 |
| Accidental emergency | $500 |
| Dental Emergency | Up to $500 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $50,000 |
| Return of mortal remains | $25,000 |
| Emergency Reunion | $15,000 |
| Trip Interruption | No Coverage |
| Loss of checked baggage | Covered under Optional Add-On plan |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | Up to $25,000 |
| Trip Delay | No coverage |
| Lost Luggage | No coverage |
| Terrorism | Up to $50,000 |
| Personal Liability | Optional Coverage: Injury to third party: $2,000 per period of coverage limit after $100 deductible Damage to third party’s property: $500 per period of coverage limit after $100 deductible |
| Identity Theft | No coverage |
| Legal Fees | Optional Coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | Up to $25,000 |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | Treatment for COVID-19 is covered if contracted after the policy effective date.Testing for COVID-19 is covered only if ordered by a physician. Vaccination/Boosters and cost of Quarantine are not covered. |
| Mental Illness | In-patient : Up to $10,000 maximum limit In-Network: 90% of first $1000, 100% thereafter up to maximum limit Out-Network: 80% up to maximum limit Out-Patient : $50 maximum limit per day. $500 total limit In-Network: 90% up to maximum limit Out-Network: 80% up to maximum limit |
| Pre-Existing Conditions | Covered after 12 months of continuous coverage $500 per year; $1,500 maximum limit |
| Maternity | Not covered |
| General Physical full Checkup | Not covered |
| Terrorism Coverage | Not covered |
| Brochure | See plan brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 90% of first $1,000, 100% thereafter Out-Network 80% up to policy maximum |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | Up to $5,000 |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| 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 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Patriot Exchange FAQS
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Am I eligible for the Patriot Exchange program?
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Can I extend my Patriot Exchange plan?
Yes, you can extend the plan if it was originally purchased for at least three months. The coverage can be extended for up to 48 months in total.
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Can I cancel the Patriot Exchange plan?
Yes, the plan can be canceled. If you cancel before the start date, you are eligible for a full refund. If you cancel after the start date and no claims have been made, only a partial refund is available, and a $50 cancellation fee will apply.
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Does this plan cover pre-existing conditions?
Yes, the plan provides coverage for pre-existing conditions after 12 months of continuous coverage. It covers up to $500 per year, with a lifetime maximum of $50,000 for pre-existing conditions.