Optional Riders for Patriot Green Travel Medical Insurance
Under the Patriot plans, you may elect to purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Eco Sports Rider
The Eco Sports Rider is available on both Patriot Green plans for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, aviation, BMX, bobsledding, bungee jumping, canyoning, caving, flying (private plane), hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, kayaking, mountain biking, parachuting, paragliding, parascending, rappelling, rock climbing (ropes and guides to 4500m from ground level), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wind-surfing, jungle zip lining, wildlife safaris, horseback riding, cave tubing, scuba diving and snorkeling. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the eco Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Eco Sports and exclusions. For additional information, please refer to the Certificate of Insurance.
|Age ||Lifetime Maximum |
|0-49 ||$50,000 |
|50-59 ||$30,000 |
|60-64 ||$15,000 |
Citizenship Return Rider
When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected.
Enhanced AD&D Rider
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
Evacuations Plus Rider
This optional rider is available to insureds up to age 65. It provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.
|Non Life-threatening Medical Evacuation ||Up to a maximum of $25,000 |
|Natural Disaster Evacuation ||Up to a maximum of $5,000 |
Patriot T.R.I.P. Lite
For a small additional premium, you can purchase trip cancellation insurance. This coverage helps protect your travel investment if your trip is cancelled due to unexpected circumstances such as illness or injury to you, a traveling companion or immediate family member; jury duty; job layoff or termination; terrorist incident; or bankruptcy of your airline, cruise line or tour operator. Also included are benefits for travel delay and baggage delay.
Click here for additional details and benefits for Patriot T.R.I.P. Lite.
Additional Information: Trip Lite Benefits | Trip Lite Exclusions
* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.