Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Family Members scheduled and booked to travel with You.
The following exclusion(s) appl(y)(ies) to the Trip Cancellation, Trip Interruption, and Medical Expense benefits.
We will not pay for any loss or expense caused due to, arising, or resulting from:
1. a Pre-Existing Medical Condition, as defined in the policy;
2. being arrested for a DUI/DWI and as result, being admitted into a i) drug, marijuana, or alcohol treatment facility; ii) jail; or iii) awaiting trial;
3. Your inability to travel on Your Trip after court mandated treatment at, or voluntarily admitted into, a drug, marijuana, or alcohol treatment facility;
4. Your inability to travel on Your Trip to provide the emotional support for someone who is in a drug, marijuana, or alcohol treatment facility.
The following exclusions apply to the Medical and Dental Expense benefits.
We will not pay for any loss or expense caused due to, arising, or resulting from:
1. routine physical examinations or routine dental care;
2. traveling for the purpose or intent of securing medical treatment or advice;
3. any Trip taken against the advice of a Physician and any losses occurred during such Trip;
4. mental health care;
5. physical therapy or occupational therapy;
6. Experimental or Investigative treatment or procedures;
7. Elective Treatment and Procedures;
8. care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection, or disease that first manifested or occurred during Your Trip;
9. any medical service provided by You, a Family Member, or Traveling Companion;
10. any treatment or medication which, at the time of Your Scheduled Departure Date, is required to be continued during Your Trip;
11. alcohol, marijuana abuse, or substance abuse or treatment for the same, including admittance to a rehab facility;
12. Normal pregnancy (except Complications of Pregnancy) or childbirth, or elective abortion;
13. a Mental, Nervous, or Psychological Condition or Disorder, unless Hospitalized or Partially Hospitalized while the policy is in effect;
14. any loss that results from an illness, disease or other condition, event, or circumstance that occurs at a time when the policy is not in effect for You;
15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;
16. diving if You are not certified to dive and a dive master is not present during the dive;
17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.
In addition to any applicable benefit-specific exclusions, the following general exclusions apply to all losses and all benefits.
We will not pay for any loss or expense caused due to, arising, or resulting from:
1. suicide, attempted suicide, or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member, or Business Partner booked and scheduled to travel with You, while sane or insane;
2. being under the influence of drugs, marijuana, or narcotics, unless administered upon the advice of a Physician as prescribed;
3. activities, losses, or claims involving or resulting from possession, production, processing, sale, or use of marijuana, illegal drugs, alcohol, or substances are excluded from coverage;
4. expenses incurred by any Child born or adopted during Your Trip;
5. war or act of war, including invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war, except as the policy specifically provides otherwise;
6. participation in a Civil Disorder or Riot, or insurrection;
7. the commission of or attempt to commit a felony or being engaged in an illegal occupation by You, a Traveling Companion, Family Member, or Business Partner;
8. directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release, or exposure to any hazardous biological, chemical, nuclear radioactive weapon, device, material, gas, matter, or contamination;
9. air travel on a privately owned aircraft (whether as a pilot or a passenger);
10. piloting, or learning to pilot, or acting as a member of the crew of any aircraft;
11. a loss or damage caused by detention, confiscation, or destruction by customs;
12. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;
13. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.
