- Share
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
Language日本語한국어عربيةItalianoРусский
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
After deductible, pays 100% to policy maximum; or
After deductible, pays 80% to policy maximum
Outside PPO Network: After deductible, URC to policy maximum.
unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay;
unless $0 deductible.
Coinsurance still applies.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.
unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $20 copay;
unless $0 deductible.
Co-insurance still applies.
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.
- The dash (-) in the fields above means Not Applicable (N/A).
Video Overview
Video Testimonial
Video Commercial
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More