Charges for the following services, treatments and/or conditions,
among others, are excluded from coverage under the Patriot plans.
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, whether or not
previously manifested or symptomatic, diagnosed, treated, or disclosed prior
to the effective date, including any subsequent, chronic or recurring
complications or consequences related thereto or arising therefrom.
Treatment or surgeries which are elective, investigational, experimental
or for research purposes.
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.
Immunizations and routine physical exams.
Treatment of Temporomandibular Joint or dental treatment, except as
expressly provided for in the certificate of insurance.
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 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: racing of any kind,
aviation (except when traveling as a passenger in a commercial aircraft),
BMX, BASE jumping, bobsleigh, bungee jumping, canyoning,
caving, high diving, hang gliding, heli-skiing, hot air ballooning,
inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain
biking, mountaineering, parachuting, rappelling, rock climbing,
rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding,
snowmobiling, spelunking, snorkeling, surfing, wakeboarding,
water skiing, windsurfing and whitewater rafting.
Vision or ear 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 being under the influence
of alcohol or drugs; and injury or illness resulting from operating
any type of vehicle after consuming any alcohol or drugs.
Willful self-inflicted injury or illness.
Treatment required as a result of or arising from complications from
a treatment or condition not covered under the certificate.
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 expressly
provided for in the certificate of insurance.
Treatment incurred as a result of or arising from exposure to nuclear
radiation, and/or radioactive material(s).
This web page contains only a consolidated and summary description
of all current Patriot Travel Medical Insurance benefits, conditions,
limitations and exclusions. A certificate containing the complete
Certificate Wording with all terms, conditions and exclusions will be
included in the fulfillment kit. IMG reserves the right to issue the
most current Certificate Wording for this insurance plan in the event this
application and/or brochure has expired, is modified, or is replaced
with a newer version. Current Certificate Wordings are available upon
request.
