Patriot Exchange Program

Optional Riders for Patriot Exchange Program

Under the Patriot Exchange Program, you may elect to purchase an optional rider at the time of application. The optional riders provides additional coverage for a minimal charge.


Adventure Sports Rider

The Adventure Sports Rider is available on the Patriot Exchange Program for individuals and groups, and their dependents, up to the age of 65. Certain activities designated as adventure sports can be covered up to the maximums listed below. Certain activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. For a list of all the activities which can be considered to be adventure sports, a sample rider can be provided upon request.

Age Lifetime Maximum
31 days-49 $50,000
50-59 $30,000
60-64 $15,000

Sample rider insurance contract.


Chaperone/Faculty Leader Replacement Rider
(Groups Only)

Groups may request the Chaperone/Faculty Leader Trip Interruption Rider rider which offers up to $3,000 in benefits. In the event of the original chaperone/leader’s hospitalization, a relative’s unexpected death, or travel plans must be cancelled as a result of a break-in or destruction due to forces of nature at his/ her residence, the subsequent chaperone/faculty leader can be reimbursed for the certain transportation costs to join the group.

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.