Charges for the following services, treatments and/or conditions are excluded from coverage under the Patriot Adventure plans.

  1. 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, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom whether or not previously manifested or known, diagnosed, treated, or disclosed.
  2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
  3. 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.
  4. Immunizations and routine physical exams.
  5. Treatment of Temporomandibular Joint or dental treatment, except as provided for herein.
  6. 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.
  7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
  8. Injury sustained while participating in professional sports or any athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (or any collegiate governing body) or the International Olympic Committee.
  9. Injury sustained while participating in contact sports of any kind as well as the following: mountaineering or climbing above 4500 meters from ground level and without the proper use of ropes and guides; scuba diving below 50 meters; whitewater rafting above Class V; BASE jumping; luge; motocross or Moto-X; racing by horse, motor vehicle of any type, or motorcycle; rodeo; ski jumping; and any Adventure Sport not listed as covered under the Benefits page.
  10. Vision or hearing tests and the provision of visual or hearing aids.
  11. Vocational, recreational, speech or music therapy.
  12. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
  13. 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.
  14. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  15. Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.
  16. willful self-inflicted injury or illness, and injury due to reckless endangerment or needless peril.
  17. Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.
  18. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  19. Treatment for mental and nervous disorders.
  20. Organ or tissue transplants or related services.
  21. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as provided for herein.
  22. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).


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