Patriot T.R.I.P.® Essential Travel Insurance

Exclusions and Limitations

We will not pay for any Illness, Injury or loss caused by or as a result of:

  1. A Pre-Existing Condition;
  2. Intentionally self-inflicted harm, suicide or attempted suicide, by You, a Family Member, a Travel Companion or a Travel Companion’s Family Member;
  3. Pregnancy, fertility treatments, childbirth or elective abortion, other than unforeseen complications of pregnancy, of You, a Family Member, a Travel Companion or a Travel Companion’s Family Member;
  4. Any Mental, Nervous or Psychological disorders or physical complications related thereto, of You, a Family Member, a Travel Companion or a Travel Companion’s Family Member;
  5. You being under the influence of intoxicating liquor (as determined by the jurisdiction where the loss occurred) or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician;
  6. War (whether declared or undeclared), acts of war, military duty (unless specifically covered), or voluntary participation in a civil disorder or unrest;
  7. Participation in Professional or Amateur Athletics (including training);
  8. Participation in any sporting, recreational, or adventure activity where such activity is undertaken against the advice or direction of any local authorities or any qualified instructor or contrary to the rules, regulations, recommendations and procedures of the recognized governing body of the area where such activity takes place;
  9. All extreme, high risk sports including but not limited to: bodily contact sports, skydiving, hang gliding, bungee jumping, parachuting, mountain climbing or other high altitude activities, caving, heli-skiing, extreme skiing, or any skiing outside marked trails;
  10. Scuba diving (unless accompanied by a dive master and not deeper than 130 feet);
  11. Operating or learning to operate any aircraft as pilot or crew;
  12. Nuclear reaction, radiation or radioactive contamination;
  13. Natural disasters (unless specifically covered);
  14. Epidemic;
  15. Pollution or threat of pollutant release;
  16. Commission of a violation of law by You, a Family Member, a Travel Companion or a Travel Companion’s Family Member whether they are Insured or not, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations;
  17. Any known, expected or reasonably foreseeable events or conditions that would cause a loss or claim under this Certificate; or
  18. Financial Default (except as specifically covered).

Exclusions may vary by state. Read your certificate carefully and note all exclusions that may apply. For more information regarding these exclusions and all other terms and conditions of Patriot T.R.I.P. Essential, please see the certificate wording for your state which is available upon request.