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Ask Our Specialists
I am looking to purchase Medical insurance for my son who will be studying between Aug 26th 2019 and June 30th 2020 in the US. I have spent some time looking at the options on your website and believe that Patriot Exchange policy is appropriate for his time in the States. I am likely to set the cover at $250,000 and the deductible at $250 However, my son is a keen snowboarder and rugby player and I am unclear whether these sports ARE covered under the normal policy. 1. My reading of the policy documents leads me to believe that recreational skiing, snowboarding and snowmobiling ARE covered but that off piste or activities in non marked or out-of-bounds areas ARE NOT. 2. I also understand that we can apply the "add on" option which would cover him for collegiate organised sporting activities but my reading of the wording is that this does NOT cover contact sports like Rugby or Ice Hockey? However, when I look at the Adventure Sport Rider option the sports listed do not include the likes of Rugby which is a sport he is keen to continue whilst in the States. Please can you confirm whether a Patriot Exchange policy WITH both Add on AND Adventure sports will give him the needed cover?
If your son will be playing Rubgy and Skiing he would be covered for skiing under the Patriot Exchange Program as long as it is not off Piste and is within marked territories.
There is plan called Diplomat America that he can purchase to cover him while playing Rugby however if there are specific requirements that you are looking to meet you can send them to review to see if this plan would be sufficient. You would have to add on the high option sports rider to the plan in order to have coverage while play Rugby.
If not you would be purchasing this plan in addition to the other plan so that he would have coverage for Rugby.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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