GENERAL EXCLUSIONS:
This policy does not cover any Loss caused by or resulting from:(a) Intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured;
(b) Normal Pregnancy of the Insured or the Traveling Companion or, their spouse or Domestic Partner, unless otherwise covered under the policy;
(c) Childbirth of the Insured, a Traveling Companion or a Family Member, unless otherwise covered under the policy;
(d) Adventure Sports, unless otherwise covered under the policy;
(e) War (whether declared or not) or act of war;
(f) Civil disorder, riot, insurrection or unrest;
(g) Any unlawful acts attempted or committed by the Insured;
(h) An Epidemic or Pandemic, unless otherwise covered under the policy;
(i) Any government regulation or prohibition, including but not limited to general stay at home orders, any health advisory orders or self-isolation orders;
(j) Mental or Psychological Disorders, unless otherwise covered under the policy;
(k) The InsuredâÃÂÃÂs Travel Documents do not contain specific Departure and Return Dates;
(l) The Insured being under the influence of drugs or narcotics, unless administered upon the advice of a Physician;
(m) Intoxication of the Insured; or
(n) Pre-existing Medical Conditions, unless otherwise covered under the policy. The policy does not cover any Loss that occurs:
(o) At a time when this policy is not in effect;
(p) While Traveling for the purpose of securing medical treatment;
(q) While on a Trip taken outside the advice of a Physician; or
(r) On a Trip less than 100 miles from the InsuredâÃÂÃÂs Primary Residence.
