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What Is Not Covered (Worldwide Trip Protector Plus - SP Policy Exclusions)

Benefits are not payable for any loss 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 to travel with You, while sane or insane;

2. An act of declared or undeclared war;

3. Participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;

4. Riding or driving in races, or speed or endurance competitions or events;

5. Mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. Participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. Participating in bodily contact sports, skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

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

9. Being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;

10. The commission of or attempt to commit a felony or being engaged in an illegal occupation;

11. Normal childbirth or pregnancy (except Complications of Pregnancy or as specifically provided under Trip Cancellation/Trip Interruption) or voluntarily induced abortion;

12. Dental treatment (except as coverage is otherwise specifically provided herein);

13. Amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Confirmation of Benefits;

14. Due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

15. Any amount paid or payable under any Workers Compensation, Disability Benefit or similar law;

16. A loss or damage caused by detention, confiscation or destruction by customs;

17. Elective Treatment and Procedures;

18. Complications from Elective Treatment and Procedures otherwise not payable under this Policy;

19. Medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

20. A mental or nervous condition, unless hospitalized for that condition while the Policy is in effect for You;

21. Due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto.

PRE-EXISTING CONDITION EXCLUSION: The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member:

  • (1) Received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  • (2) Took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.
  • 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.