Extreme Sports Insurance

The following benefits are available under the Patriot Extreme plan:

Plan Information

Coinsurance inside the USA
In Network - the plan pays 90% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum after the deductible

Out of Network - the plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum after the deductible

Coinsurance outside the USA
The plan pays 100% of eligible expenses after the deductible

Benefit Period
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.

All medical benefits are usual reasonable and customary charges, subject to the deductible and coinsurance

Emergency Room - To policy maximum
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 the hospital.

Dental - Accident to Policy Maximum; Sudden Pain $100 USD
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.

Emergency Evacuation - Up to Policy Maximum
Emergency Medical Evacuations 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 - $10,000 USD
Each Patriot plan also provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured

Repatriation/ Return of Mortal Remains - $15,000 USD
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$25,000

Trip Interuption - $5,000 USD
If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, each Patriot plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket

Lost Luggage - $50 USD per item, max $250 per certificate
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 - $50,000 USD
If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the designated beneficiary, to a maximum of US$250,000 per family

Sports and Activities Coverage - To policy maximum
Subject to the terms of the complete policy wording, Patriot Extreme covers injuries incurred during non-contact amateur athletic activities and certain Extreme Sports, including:
- Abseiling
- BMX
- Bungee Jumping
- Canyoning
- Caving
- Flying (private plane)
- Hang Gliding
- Heli-skiing
- High Diving
- Hot Air Balloning
- Kayaking
- Inline Skating
- Mountain Biking
- Mountaineering (ropes and guides to 4500m from ground level)
- Parascending
- Rappeling
- Rock Climbing (ropes and guides to 4500m from ground level)
- Scuba Diving (to 50m)
- Skydiving
- Spelunking
- Whiteeater rafting (to Class V)
These activities must be engaged in solely for leisure, recreation or entertainment purposes. 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.

Sudden Reoccurence of a Pre-Existing Condition - $1,000 USD
Up to US$1,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition, please see Exclusion number 1 in the brochure

Indemnity - $100 USD per night
Patriot International will pay directly to the insured person US$100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit.

To learn more about the trip cancellation plan, please see below: