Charges for certain services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans and include but are not limited to:
any Illness or Injury incurred in the Destination Country, Affected Area or Country of Residence as a result of a Public Health Emergency of International Concern, Epidemic, Pandemic, other disease outbreak, or Natural Disaster, that may affect an Insured Person’s health, unless coverage is expressly provided under the Public Health Emergency provision of this insurance.
Please note: The exclusions listed above is a consolidated version of the full policy wording. Please view the plan certificate ( America | International) for the full benefits and limitations of the plan.