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Patriot Exchange Insurance vs ExchangeGuard Insurance

Patriot Exchange Insurance vs ExchangeGuard Insurance

Both Patriot Exchange Program and ExchangeGuard plans are excellent J visa compliant insurance plans.

All J visa holders are required to have a compliant insurance that meets the requirements mandated by the U.S. Department of State.

Both of the plans provide at least $100,000 in incident medical coverage, $50,000 in emergency medical evacuation and $25,000 in repatriation of remains. Even if the sponsoring organizations have additional requirements on top of mandated coverage, both of these J visa insurance plans would satisfy their requirements in most cases.

While both plans are similar to each other, there are a few important and noteworthy differences between Patriot Exchange insurance and ExchangeGuard insurance.

Important Plan Differences

$0, $250, or $500 per certificate period, or $100 per incident
Within PPO Network:
After deductible, pays 100% to policy maximum; or
After deductible, pays 80% to $5,000, then 100% to policy maximum

Outside PPO Network: After deductible, URC to policy maximum.
Multiple of days - Minimum 5 days
Choose ExchangeGuard Choice - 6 month waiting period or ExchangeGuard Essential - 12 month waiting period
J2 visa holders are eligible
US-Urgent Care: Deductible waived, $15 copay;
unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay;
unless $0 deductible.
Coinsurance still applies.
Yes. For each parent insured, a dependent child up to 9 years is insured at no additional cost.
Lloyd's
$0, $100, $250, $500 per incident
After deductible, covered at 100% up to selected policy maximum.
Multiple of months and days - Minimum 5 days
12 month waiting period
J2 visa holders eligible only if J1 visa holder purchasing the same policy or through sponsoring organization.
US-Urgent Care: Deductible waived, $50 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $20 copay; unless $0 deductible.
Co-insurance still applies.
No
Sirius International

Both Patriot Exchange and ExchangeGuard are excellent and appropriate options for exchange visitors on J visa. However, looking at the above differences will help you decide the most suitable plan for your needs.

To further compare the benefits among them, please visit J Visa Insurance page and get instant quotes. You will be able to compare them side by side.

Of course, you can always contact us if you need any further help in selecting a plan.

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You cannot find a lower price anywhere for the same product.

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