Steve, Thank you for the suggestion - I went ahead and booked the Patriot Extreme insurance for my Mt. Kilimanjaro trek. Anne A., Atlanta, Georgia, USA

Pre-existing conditions are not covered. 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.

Schedule of Benefits

INTERNATIONAL EMERGENCY CARE

Emergency Evacuation

To Policy Maximum when coordinated through the Plan Administrator

Patriot Extreme includes coverage for Emergency Medical Evacuations from a medical facility to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to the policy limit.

Emergency Reunion

To US$10,000 when coordinated through the Plan Administrator

Patriot Extreme also provides emergency reunion coverage, up to US$10,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

Return of Mortal Remains

To US$15,000 when coordinated through the Plan Adminstrator

If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of US$15,000.

SPECIAL COVERAGES

Trip Cancellation 

To US$5,000

Lost Luggage

To US$50 per item; maximum of US$250

This benefit will be paid in the event that the Common Carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the Carrier's.

Common Carrier Accidental Death

US$50,000 to Beneficiary; maximum of US$250,000 per family

If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the beneficiary to a maximum of US$250,000 per family

MEDICAL BENEFITS

Usual, reasonable and customary charges,subject to deductible and coinsurance

Hospital Room and Board

To Policy Maximum for average semi-private room rate

Intensive Care

To Policy Maximum

Medical Expenses

To Policy Maximum

Outpatient Medical

To Policy Maximum

Local Ambulance

To Policy Maximum

Emergency Room

As described below

Charges incurred for the use of the Emergency Room due to an accident are covered up to the Policy Maximum.

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to a hospital.

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Dental

As described below

Injury due to an accident: Each Patriot^® plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident up to the Policy Maximum.

Sudden dental pain: Each plan will pay up to US$100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Sports & Activities

To Policy Maximum for basic and extreme sports as described below

Subject to the terms of the complete policy wording, Patriot Extreme covers injuries incurred during non-contact amateur athletic activities and certain Extreme Sports (see page 7 of the Patriot Extreme brochure). Activities may be organized and include scheduled practices, games, and/or competitions.

Activities not covered include contact sports, professional sports and any athletic activities that are organized and/or sanctioned by the National Collegiate Athletic Association (or any other collegiate sanctioning body) or the International Olympic Committee.

PLAN INFORMATION

Deductible

US$250 per Period of Coverage

Coinsurance

As described below

The plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum.

Benefit Period

Three months

If a covered injury or illness has continuing treatment after the certificate expires, the 3-Month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than three months before the certificate expired, benefits for the covered injury or illness will continue subject to the Policy Limits until there has been three months of coverage for the covered injury or illness.

Policy Maximum

US$50,000

The Patriot Extreme plan has a Policy Maximum of US$50,000.

Exclusions

1. 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 medicalcertainty, 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.

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 Extreme Sport not listed as covered on page 7 of the Patriot Extreme brochure.

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).

This information is only a consolidated and summary description of all current Patriot Extreme benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit.

The above outline is only a consolidated and summary description of all current Patriot Extreme Travel Medical Insurance benefits, conditions, limitationsand exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit.

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