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International Travel Insurance | Patriot Exclusions

Charges for certain services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans and include but are not limited to:

  1. Pre-existing Conditions: Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance except and unless the Charges resulted directly from an Acute Onset of Pre-existing Condition in which case the Charges will be covered only according to the terms of the Acute Onset of Pre-Existing Condition definition of the specific plan; and
  2. Congenital Disorders and conditions arising out of or resulting therefrom
  3. Maternity and Newborn Care: Charges for pre-natal care, delivery, post-natal care, and care of Newborns, including complications of Pregnancy, miscarriage, complications of delivery and/or of Newborns are excluded from this insurance.
  4. Mental or Nervous Disorders: Charges for Treatment of Mental or Nervous Disorders are excluded from coverage under this insurance.
  5. Preventative Care: Charges for Routine Physical Examinations and immunizations are excluded from coverage under this insurance.
  6. Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance; and
  7. Elective Surgery or Treatment of any kind
  8. Charges incurred for Surgeries, Treatment or supplies which are Investigational, Experimental and for research purposes
  9. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
  10. Immunizations and routine physical exams.
  11. Charges incurred for Treatment or supplies for temporomandibular joint (TMJ) including but not limited to TMJ syndrome, craniomandibular syndrome, chronic TMJ pain, orthognathic Surgery, Le-Fort Surgery or splints
  12. Any sexually transmitted or venereal disease
  13. Any testing for the following when not Medically Necessary: HIV, seropositivity to the AIDS virus, AIDS-related Illnesses, ARC Syndrome, AIDS
  14. Charges incurred for any Treatment or supply that either promotes or prevents or attempts to promote or prevent conception, insemination (natural or otherwise) or birth, including but not limited to: artificial insemination; oral contraceptives; Treatment for infertility or impotency; vasectomy; reversal of vasectomy; sterilization; reversal of sterilization; surrogacy or abortion
  15. Any illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity which is organized and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee.
  16. Any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing
  17. Any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; freediving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering above elevation of 4500 meters from ground level; parkour; piloting a commercial or non-commercial aircraft; powerbocking; scuba diving or sub aqua pursuits below a depth of 50 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wingsuit flying
  18. Any Illness or Injury sustained while taking part in snow skiing, snowboarding or snowmobiling where the Insured Person is in violation of applicable laws, rules or regulations of a ski resort, out of bounds or in unmarked or unpatrolled areas
  19. Any Illness or Injury sustained while taking part in backcountry skiing
  20. Any Illness or Injury sustained while taking part in skiing off-piste
  21. Any Illness or Injury sustained while taking part in Collision Sports
  22. Any Illness or Injury sustained while taking part in athletic or recreational activities where the Insured Person is not physically or medically fit or does not hold the necessary qualifications to engage in said activities
  23. Any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations and procedures of a recognized Governing Body for the sport or activity
  24. Charges incurred for eyeglasses, contact lenses, hearing aids or hearing implants and Charges for any Treatment, supply, examination or fitting related to these devices, or for eye refraction for any reason, except as otherwise expressly provided for hereunder
  25. Biofeedback, acupuncture, music, occupational, recreational, sleep, speech, or vocational therapy
  26. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
  27. 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.
  28. Any Substance Abuse
  29. Any Injury or Illness sustained as a result of being under the influence of or due wholly or partly to the effects of alcohol, liquor, intoxicating substance, narcotics or drugs other than drugs taken in accordance with Treatment prescribed and directed by a Physician but not for the Treatment of Substance Abuse
  30. Willfully self-inflicted injury or illness.
  31. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
  32. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  33. Treatment for mental and nervous disorders.
  34. Organ or tissue transplants or related services.
  35. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.
  36. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
  37. Any non-surgical Illness or Treatment of the feet, including without limitation: orthopedic shoes; orthopedic prescription devices to be attached to or placed in shoes; Treatment of weak, strained, flat, unstable or unbalanced feet; metatarsalgia, bone spurs, hammer toes or bunions; and any Treatment or supplies for corns, calluses or toenails; except as otherwise expressly set forth
  38. Hair loss, including without limitation wigs, hair transplants or any drug that promises to promote hair growth, whether or not prescribed by a Physician
  39. Any sleep disorder, including without limitation sleep apnea
  40. Any exercise and/or fitness program or equipment, whether or not prescribed or recommended by a Physician
  41. Any infection of the urinary tract (including, without limitation, infection of the kidney, ureter, bladder, prostate or urethra) and any complication, medical condition or other Illness directly or indirectly arising therefrom, that occurs within ninety (90) days of the Effective Date of this Insurance and that requires Treatment of the Insured Person in a Hospital as an Inpatient
  42. Charges incurred for Dental Treatment, except as specifically provided for hereunder
  43. Wear and tear of teeth due to cavities and chewing or biting down on hard objects, such as but not limited to pencils, ice cubes, nuts, popcorn, and hard candies
  44. Dental Injury without associated face, skull, neck and/or jaws Injury or that can be evaluated and Treated in a dental office
  45. Dental Treatment for services which provide oral care maintenance including tooth repair by fillings, root canals, tooth removal and x-rays
  46. Charges for Treatment of an Illness or Injury for which payment is made or available through a workers' compensation law or a similar law

This is a summary of the plan exclusions. For a more detailed list, please view the certificate wording: Patriot Standard (America / International) & Patriot Platinum (America / International).