Patriot Extreme

Patriot Extreme® Travel Medical Insurance

Extreme athletics and adventure insurance

 

Designed for the international traveler who engages in extreme sports

Patriot Extreme provides coverage for a large array of extreme sports while providing up to US$50,000 of medical coverage.

 

Patriot Extreme is designed for the adventurous International traveler. Patriot Extreme provides benefits for those traveling abroad who also intend to participate in a select group of athletic activities or extreme sports.

 

Patriot Extreme? International


Patriot Extreme International provides coverage for US citizens traveling abroad for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme International plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.

In addition to the benefits listed on the "Benefits" page, Patriot Extreme International for US citizens also provides two benefits outlined below, subject to all Conditions of Coverage.

Sudden Recurrence of a Pre-Existing Condition - Up to US$1,000 will be reimbursed for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$25,000 will be reimbursed for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition, please see Exclusion number 1 on page 8 of the Patriot Extreme International brochure.

Indemnity - Patriot Extreme International will pay directly to you US$100 for each night of a required overnight stay in a hospital. The hospital stay must be covered under this plan in order to receive this benefit.

 
Patriot Extreme? America


Patriot Extreme America provides coverage for non-US citizens traveling outside their home country for a minimum of 30 days up to a maximum of six months. Although the Patriot Extreme America plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.

 

SCHEDULE OF BENEFITS
 
INTERNATIONAL EMERGENCY CARE
Emergency Evacuation To Policy Maximum when coordinated through the Plan Administrator
Patriot Extreme includes coverage for Emergency Medical Evacuations from a medical facility to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to the policy limit.
Emergency Reunion To US$10,000 when coordinated through the Plan Administrator
Patriot Extreme also provides emergency reunion coverage, up to US$10,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.
Return of Mortal Remains To US$15,000 when coordinated through the Plan Adminstrator
If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of US$15,000.
 
SPECIAL COVERAGES
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
 
MEDICAL BENEFITS Usual, reasonable and customary charges,subject to deductible and coinsurance
Hospital Room and Board To Policy Maximum for average semi-private room rate
 
Intensive Care To Policy Maximum
 
Medical Expenses To Policy Maximum
 
Outpatient Medical To Policy Maximum
 
Local Ambulance To Policy Maximum
 
Emergency Roon As described below
Charges incurred for the use of the Emergency Room due to an accident are covered up to the Policy Maximum.

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to a hospital.
 
Dental As described below
Injury due to an accident: Each Patriot? plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident up to the Policy Maximum.

Sudden dental pain: Each plan will pay up to US$100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Sports & Activities To Policy Maximum for basic and extreme sports as described below
Subject to the terms of the complete policy wording, Patriot Extreme covers injuries incurred during non-contact amateur athletic activities and certain Extreme Sports (see page 7 of the Patriot Extreme brochure). Activities may be organized and include scheduled practices, games, and/or competitions.

Activities not covered include contact sports, professional sports and any athletic activities that are organized and/or sanctioned by the National Collegiate Athletic Association (or any other collegiate sanctioning body) or the International Olympic Committee.
 
PLAN INFORMATION
Deductible US$250 per Period of Coverage
 
Coinsurance As described below
The plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum.
Benefit Period Three months
If a covered injury or illness has continuing treatment after the certificate expires, the 3-Month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than three months before the certificate expired, benefits for the covered injury or illness will continue subject to the Policy Limits until there has been three months of coverage for the covered injury or illness.
Policy Maximum US$50,000
The Patriot Extreme plan has a Policy Maximum of US$50,000.
 
The above outline is only a consolidated and summary description of all current Patriot Extreme Travel Medical Insurance 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.

Exclusions

 

Charges for the following services, treatments and/or conditions are excluded from coverage under Patriot Extreme.
 
  • 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, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom whether or not previously manifested or known, diagnosed, treated, or disclosed.
  • Treatment or surgeries which are elective, investigational, experimental or for research purposes.
  • War, military action, terrorism, political insurrection, protest, or any act thereof.
  • Immunizations and routine physical exams.
  • Treatment of Temporomandibular Joint or dental treatment, except as provided for herein.
  • 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.
  • Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
  • Injury sustained while participating in professional sports or any athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (or any collegiate governing body) or the International Olympic Committee.
  • Injury sustained while participating in contact sports of any kind as well as the following: mountaineering or climbing above 4500 meters from ground level and without the proper use of ropes and guides; scuba diving below 50 meters; whitewater rafting above Class V; BASE jumping; luge; motocross or Moto-X; racing by horse, motor vehicle of any type, or motorcycle; rodeo; ski jumping; and any Extreme Sport not listed as covered on page 7 of the Patriot Extreme brochure.
  • Vision or hearing tests and the provision of visual or hearing aids.
  • Vocational, recreational, speech or music therapy.
  • Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
  • 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.
  • Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  • Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.
  • willful self-inflicted injury or illness, and injury due to reckless endangerment or needless peril.
  • Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.
  • Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  • Treatment for mental and nervous disorders.
  • Organ or tissue transplants or related services.
  • 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.
  • 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 Extreme 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.