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Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

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What Is Not Covered (Safe Travels Voyager Policy Exclusions)

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Pet Medical Expense, Accidental Death & Dismemberment, Accidental Death & Dismemberment Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense: Loss caused by or resulting from:


1. Pre-Existing Conditions, as defined in the Definitions section; The Pre-Existing Condition exclusion will be waived provided:
  • (a) Your premium is received prior to or on Your Final Payment due date; and
  • (b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure prior to or on the Final Payment due date the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and (c) You are medically able to travel on Your Effective Date.


  • 2. Suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane, unless the loss results in the death of a non-traveling Family Member;

    3. Intentionally self-inflicted injuries;

    4. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war. This exclusion does not apply if You are an innocent bystander to these events;

    5. Participation in any military maneuver or training exercise, or any Loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces. Upon notice to the Company of entering the armed forces, the Company will return to You pro-rata any premium paid, less any benefits paid, for any period during which You are in such service;

    6. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

    7. Mental or emotional disorders, unless Hospitalized;

    8. Participation as an athlete in professional sports;

    9. Being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician, unless results in the death of a non-traveling Family Member;

    10. Intentional commission of or the attempt to commit any dishonest or fraudulent act, or criminal activity (as defined in the jurisdiction where the loss occurred);

    11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

    12. Dental treatment except as a result of an injury to Sound Natural Teeth except as explicitly offered under Emergency Accident and Sickness Medical Expense;

    13. Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;

    14. Pregnancy and childbirth (except for Complications of Pregnancy) except if Hospitalized;

    15. Curtailment or delayed return for other than covered reasons;

    16. Traveling for the purpose of securing medical treatment;

    17. Services not shown as covered;

    18. Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

    19. Confinement or treatment in a government Hospital; however, the United States government may recover or collect benefits under certain conditions;

    20. Services and/or supplies that do not meet the definition of Necessary Treatment;

    21. Care or treatment for which compensation is payable under Workers Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation;

    22. Accidental Injury or Sickness when traveling against the advice of a Physician;

    23. Cosmetic surgery or reconstructive surgery;

    24. Canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

    25. A loss that results from an illness, disease, or other condition, event or circumstance that occurs at a time when Your coverage is not in effect.



    The following exclusions apply to Emergency Evacuation and Repatriation of Remains: Loss caused by or resulting from:

    1. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war. This exclusion does not apply if You are an innocent bystander to these events;

    2. Participation in any military maneuver or training exercise, or any Loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces. Upon notice to the Company of entering the armed forces, the Company will return to You pro-rata any premium paid, less any benefits paid, for any period during which You are in such service;

    3. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

    4. Participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

    5. Participating in Bodily Contact Sports or Extreme Sports;

    6. Traveling for the purpose of securing medical treatment;

    7. Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

    8. Services and/or supplies that do not meet the definition of Necessary Treatment;

    9. Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child;

    10. Canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).



    The following exclusions apply to Baggage/Personal Effects and Baggage Delay: The Company will not provide benefits for any Loss or damage to:

    1. Animals;

    2. Automobiles and automobile equipment;

    3. Boats or other vehicles or conveyances;

    4. Trailers;

    5. Motors;

    6. Motorcycles;

    7. Aircraft and drones;

    8. Bicycles (except when checked as baggage with a Common Carrier);

    9. Household effects and furnishing;

    10. Antiques and collectors items;

    11. Eye glasses, sunglasses or contact lenses;

    12. Artificial teeth and dental bridges;

    13. Hearing aids;

    14. Artificial limbs and other prosthetic devices;

    15. Prescribed medications;

    16. Keys, cash, stamps, securities and documents;

    17. Tickets;

    18. Credit cards;

    19. Professional or occupational equipment or property, whether or not electronic business equipment;

    20. Personal Computers; cell phones; Personal Computer hardware or software;

    21. Sporting equipment if loss or damage results from the use thereof;

    22. Musical instruments;

    23. Retainers and orthodontic devices.



    Any Loss caused by or resulting from the following is excluded:

    1. Breakage of brittle or fragile articles;

    2. Wear and tear or gradual deterioration;

    3. Insects or vermin;

    4. Inherent vice or damage while the article is actually being worked upon or processed;

    5. Confiscation or expropriation by order of any government;

    6. War or any act of war whether declared or not;

    7. Theft or pilferage while left unattended in any vehicle;

    8. Mysterious disappearance;

    9. Property illegally acquired, kept, stored or transported;

    10. Insurrection or rebellion;

    11. Imprudent action or omission;

    12. Property shipped as freight or shipped prior to the Scheduled Departure Date.



    The following exclusions apply to Rental Car Damage:

    1. Any obligation You assume under any agreement (except insurance collision Deductible);

    2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

    3. Any Loss that occurs if You are in violation of the rental agreement;

    4. Failure to report the Loss to the proper local authorities and the rental car company;

    5. Damage to any other vehicle, structure or person as a result of a covered Loss.
    Disclaimer

    Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.