View Full Version : J1 visitor insurance needed

09-16-2016, 02:43 PM
Hello I am an exchange visitor in CA, aged 32 male, I would like to buy J1 insurance that meet this criteria -medical coverage at least 100000USD /accident or illness -deductible not exceed 500/incident -coinsurance not exceed 25% -medical evacuation at least 50000USD, repatriation at least 25000USD -preexisting conditions must be covered with awaiting period no longer than 12 months -carrier must be A-rated or backed of the full faith and credit of the visitor's government Could you suggest the plan that fulfill this requirements for me?

09-16-2016, 02:47 PM
Thank you for your interest in purchasing insurance through us.

You can purchase Patriot Exchange plan with $100k which meets all your school requirements.

Patriot Exchange brochure, instant purchase and other useful information,

Please review this plan and if you have any further questions feel free to contact us.

Have a great day!

09-16-2016, 02:49 PM
Thank you for your advice.
I have two questions
1 I am not sure meaning of pre-existing condition within 36 months charges exclude until after 12 months of coverage will be met the criteria, can you explain or confirm me?
2 If I buy this insurance but it does not meet the criteria, can I refund my payment and how?
Thank you.

09-16-2016, 02:50 PM
The Patriot Exchange Program has a 12 month waiting period for pre-existing conditions. This is stating the plan will not cover any pre-existing condition until after 12 months of continuous coverage. If you cancel this policy before the effective date you will receive a full refund. If the cancellation is received any time after the effective date you would receive a prorated refund for the fully unused months minus a $50.00 cancellation fee as long as no claims have been filed since the effective date. If you have any additional questions please let us know.