Below is a list of the general exclusions that apply to all benefits. Please review your policy to see additional benefit specific exclusions.
Benefits are not payable for any loss due to, arising or resulting from:
1. An act of declared or undeclared war;
2. Participating in maneuvers or training exercises of an armed service;
3. Participating as a professional in a stunt, athletic or sporting event or competition;
4. Piloting or learning to pilot or acting as a member of the crew of any aircraft;
5. Being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Physician;
6. The commission of or attempt to commit a felony or being engaged in an illegal occupation or act;
7. Normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
8. Dental treatment (except as coverage is otherwise specifically provided herein);
9. Amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;
10. A Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition limitation does not apply to the Emergency Medical Evacuation, Medical Repatriation or Return of Remains coverage;
11. Preventive and Elective Treatment and Procedures;
12. Traveling for the purpose or intent of securing Medical Treatment or advice;
13. Failure of any tour operator, Common Carrier, or other Travel Supplier, person, or agency to provide the bargained-for Travel Arrangements for reasons other than Bankruptcy or Default or to refund money due You;
14. Any Trip taken against the advice of a Physician and any losses incurred during such Trip;
15. Regularly scheduled treatment, rehabilitation, or therapy sessions;
16. Suicide, attempted suicide, or any intentionally self-inflicted Injury while sane or insane. This exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage;
17. Expenses incurred by any child born or adopted during Your Trip;
18. Participation in a civil disorder or riot;
19. The actual or threatened use, or exposure, to any hazardous biological, chemical, nuclear radioactive matter or contamination;
20. Trips paid for with the use of loyalty reward points, frequent travel miles, or other non-monetary redeemable points or rewards through similar programs, including credits issued for future travel by a Travel Supplier or tour operator;
21. Accident & medical expense when Your Trip destination is to a country that has issued a country-specific entry ban, when this policy was effective after the ban was issued and Your Trip departure timing occurred after the ban was issued. This includes bans related to named Epidemics or Pandemics;
22. Damages resulting from tropical storms, hurricanes or typhoons that are named on or before the date You purchased Your Policy;
23. Your participation in Extreme Sports Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator. This exclusion will be amended, as described within the definitions section, if the upgraded optional benefit for Extreme Sports Activities is elected and any required cost is paid by final payment due date for Your Trip.
