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

1. Preexisting Conditions. A preexisting condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or at any time during the five years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.

2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.

3. War, 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 amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded, but may be added by the Optional Sports Rider: Scuba diving, mountain climbing (up to 4500 meters or where ropes or guides are normally used), jet, snow and water skiing and snowboarding, skydiving, amateur racing, piloting an aircraft, bungee jumping and spelunking.

9. Vision or ear tests and the provision of visual or hearing aids.

10. Vocational, recreational, speech or music therapy.

11. Treatment while confined primarily to receive custodial care,
educational or rehabilitative care, or nursing services.

12. 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.

13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.

14. Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.

15. Willful self-inflicted injury or illness.

16. Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.

17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.

18. Treatment for mental and nervous disorders.

19. Organ or tissue transplants or related services.

20. 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.

21. 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 Travel Medical InsuranceSM 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.