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What Is Not Covered (Travel Select Policy Exclusions)

GENERAL EXCLUSIONS: This plan does not cover any loss caused by or resulting from:

(a) Intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane;

(b) Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, of the Insured, a Traveling Companion or a Family Member;

(c)The following activities are excluded unless the Adventure Sports coverage has been elected and consideration of premium has been paid:
  • (1) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;
  • (2) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;
  • (3) operating or learning to operate any aircraft, as student, pilot, or crew;
  • (4) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

    (d) War (whether declared or not) or act of war, participation in a civil disorder, riot, insurrection or unrest (unless specifically covered herein);

    (e) Any unlawful acts committed by the Insured;

    (f) Mental, Nervous or Psychological Disorder;

    (g) If the Insured’s tickets do not contain specific travel dates (open tickets);

    (h) Being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit;

    (i) Any Loss that occurs at a time when this coverage is not in effect;

    (j) Traveling solely or substantially for the purpose of securing medical treatment;

    (k) Any Trip taken outside the advice of a Physician;
  • 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.