Patriot Exchange Program Worldwide

IMG

Patriot Exchange Program is a 100% coverage for plan participants, and their dependents, traveling abroad for a study and exchange program. Patriot Exchange provides a robust international policy with a $5 Million Lifetime Maximum benefit. You will feel secure knowing office visits will only cost you $5 and there is a nominal deductible of $100 per injury or illness.

The policy takes care of many common inpatient and outpatient needs. Plus, Patriot Exchange includes an AD&D benefit of $25,000, Emergency Medical Evacuation benefit of $50,000, Terrorism benefit up to $50,000, and a Political Evacuation benefit up to $10,000. Patriot Exchange Program is truly your passport to security when it comes to traveling thousands of miles away from home.

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General

Coinsurance
No coinsurance
Brochure
IMG Brochure Patriot Exchange Program
Medical Benefits

Hospital Room and Board
Up to average semi-private room rate
Surgical Treatment
After deductible, to policy maximum
Intensive Care
Usual, Reasonable & Customary charges
Physician Visits
Usual, Reasonable & Customary charges - 1 visit/day
Surgical Treatment (Outpatient)
After deductible, to policy maximum
Prescription Medication
Usual, Reasonable & Customary charges
Diagnostic Procedures
After deductible, to policy maximum
Pre-Existing Conditions
12 month waiting period, then $500 max per period of coverage
Maternity
Not Covered
Routine physical examination
Physical Therapy
Usual, Reasonable & Customary charges - 1 visit/day
Ambulance
After deductible, to policy maximum
Emergency Room
Usual, Reasonable & Customary charges
Hospital Indemnity
Dental Benefits

Unexpected pain to sound natural teeth
Up to $350
Accident related Emergency
Up to $500
Life Insurance

Accidental Death & Dismemberment
$25,000 ($25,000 two limbs; $12,500 one limb)
Common Carrier Accidental Death
Other Travel Benefits

Emergency Medical Evacuation
$50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial
$25,000/$5,000
Emergency Reunion
$15,000 lifetime maximum
Return of Minor Children
Not Covered
Trip Interruption
Not Covered
Loss Luggage
Optional Add-on, $250 maximum
Terrorism
$50,000 lifetime maximum
Coverage Information
Plan Type
Comprehensive
Underwriter
Sirius Specialty Insurance Corporation
PPO Network
Covid-19 Coverage
No
Cancelable
Yes
Extendable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.