Emergency Evacuation

To Policy Maximum when coordinated through IMG

Each Patriot Travel Medical Insurance^SM plan also provides for Emergency Medical Evacuations to the nearest qualified medical facility or the country of residence (as determined by IMG^SM)expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the country of residence or the country where the evacuation occurred up to the policy limit.

Repatriation

To US$25,000 when coordinated through IMG

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the country of citizenship will be covered up to a maximum of US$25,000.

Returning Minor Children

To US$5,000 when coordinated through IMG

If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

Home Country Coverage

As described below

Incidental Home Country Coverage - During the period of coverage an insured person may return to their country of citizenship for incidental visits of up to two weeks total, subject to: a. The insured person must have left their country of citizenship, b. The Total Period of Coverage must be for a minimum of 30 days, and c. The return to the country of citizenship may not be taken to receive treatment for a condition incurred while traveling.
End of Trip Home Country Coverage-For every six (6) months of coverage ou purchase, you can purchase one (1) month of home country coverage up to a maximum of 2 months.

Trip Cancellation 

To US$5,000

If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, the plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

Lost Luggage

To US$50 per item; maximum of US$250

This benefit will be paid in the event that the Common Carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the Carrier's.

Common Carrier Accidental Death

US$50,000 to Beneficiary; maximum of US$250,000 per family

If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the beneficiary to a maximum of US$250,000 per family

Hospital Room and Board

To Policy Maximum for average semi-private room rate

Intensive Care

To Policy Maximum

Medical Expenses

To Policy Maximum

Local Ambulance

To Policy Maximum

Dental

To Policy Maximum

Sports & Activities

To Policy Maximum for basic sports Coverage as described below

Each Patriot plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by an insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded, but may be added by the Optional Sports Rider: Scuba diving, mountain climbing (up to 4500 meters or where ropes or guides are normally used), jet, snow and water skiing and snowboarding, sky diving, amateur racing, piloting an aircraft, bungee jumping and spelunking.

Each Patriot plan includes US$25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the period of coverage: • Accidental Loss of life- principal sum; • Accidental Loss of two Members- principal sum; •Accidental Loss of one Member-50% of principal sum. "Member" means hand, foot or eye. For more information see the Conditions of Coverage section in the Patriot Travel Medical brochure.

Deductible

Your choice of US$100, $250, $500, $1,000 or $2,500

Coinsurance

As described below

For treatment received outside the US & Canada: No coinsurance

For treatment receivd within the US & Canada: The plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum.

Benefit Period

Six months

EXCLUSIONS

Charges for the following services, treatments and/or conditions are excluded from coverage under the Patriot plans.

1. Pre-existing Conditions. A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or at any time during the five years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
3. War, political insurrection, protest, or any act thereof.
4. Immunizations and routine physical exams.
5. Treatment of Temporomandibular Joint or dental treatment, except as provided for herein.
6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for
treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
8. Injury sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded, but may be added by the Optional Sports Rider: Scuba diving, mountain climbing (up to 4500 meters or where ropes or guides are normally used), jet, snow and water skiing and snowboarding, skydiving, amateur racing, piloting an aircraft, bungee jumping and spelunking.
9. Vision or ear tests and the provision of visual or hearing aids.
10. Vocational, recreational, speech or music therapy.
11. Treatment while confined primarily to receive custodial care,
educational or rehabilitative care, or nursing services.
12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
14. Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.
15. Willfull self-inflicted injury or illness.
16. Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.
17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
18. Treatment for mental and nervous disorders.
19. Organ or tissue transplants or related services.
20. Illness or injury where the trip to the host country is undertaken for treatment or advice for such Illness or injury, except as provided for herein.
21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

This information is only a consolidated and summary description of all current Patriot Travel Medical InsuranceSM benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit.