In addition to any applicable benefit-specific exclusion, 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.
MEDICALLY FIT TO TRAVEL EXCLUSION We will not pay any expense as a result of You having been advised in writing that You, Your Traveling Companion, Family Member or Business Partner scheduled and booked to travel with You are not Medically Fit to Travel at the time of purchase of coverage for a Trip, as defined in the policy. If coverage for a Trip is purchased and it is later determined that You, Your Traveling Companion, Family Member or Business Partner scheduled and booked to travel with You were not Medically Fit to Travel at the time of purchase of coverage for Your Trip, as defined in the policy, the coverage is cancelled and premium paid will be returned.