Patriot Exchange Program insurance is quite suitable for anyone traveling outside their home country as an exchange visitor. If you are participating in educational or cultural exchange programs abroad, Patriot Exchange Program is the right plan for you. That includes non-U.S. citizens traveling to the U.S. on J-1 and J-2 visa.
You have a choice of policy maximum ranging from $50,000 to $500,000 per incident and deductible choices of $0, $100, $250, and $500. However, due to J visa requirements you must purchase at least $100,000 per incident.
As long as your sponsoring institution have only the standard J visa insurance requirements, you can confidently buy this insurance plan. However, if they have specified additional requirements, make sure that this plan meet all of the requirements before you buy the insurance. It is very important because the insurance company will not sign the compliance form if all of the requirements are not met, and they will not sign even indicating that some of the requirements are not met.
In addition to the medical benefits, Patriot Exchange Program insurance also covers the emergency medical evacuation and repatriation of remains. Patriot Exchange Program insurance participates in United Healthcare PPO network.
Patriot Exchange Program can be extended up to 48 months total. Patriot Exchange Program insurance pays 90% up to $10,000, then 100% up to the policy maximum within the PPO network. Outside the PPO network, the plan pays 80% up to the policy maximum. Outside the U.S., the plan covers 100% up to the policy maximum.
Coverage is available for the primary exchange visitor as well as his/her dependents.
Patriot Exchange Program insurance is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- "Excellent" by A.M. Best.
Patriot Exchange Program will cover COVID-19 (coronavirus) treatment just like any other new medical condition that occurs after the effective date of the policy.
