HTH Worldwide - TravelGap Vacationer

Exclusions.

We pay no claims for the following:

1. Any loss which is not due, to or does not arise from, a Covered Injury or a Covered Sickness.

2. Under the Medical Treatment Benefits provision, for loss due to or arising from a motor vehicle Accident if the Covered Person operated the vehicle without a proper license in the jurisdiction where the Accident occurred.

3. A routine physical or other examination when there are no objective indications of impairment of normal health.

4. Hospital room and board expense, which includes general nursing services, in excess of the prevailing semi-private room rate, unless the requirements of Necessary Treatment dictate accommodations other than a semi-private room.

5. Treatment to the teeth, including, but not limited to, gums, jaw or structures directly supporting the teeth, including surgical extraction of teeth, temporomandibular joint (TMJ) dysfunction, orthodontia or skeletal irregularities of one or both jaws including orthognathia and mandibular retrognathia. This exclusion does not apply to injuries to sound, natural teeth when it is the direct result of a Covered Injury.

6. Plastic or cosmetic surgery, except when the surgery is necessitated by a Covered Injury.

7. While traveling against the advice of a Physician, while on a waiting list for a specific treatment, or when traveling for the purpose of obtaining medical treatment.

8. Intentionally self-inflicted Injury, suicide or attempted suicide, whether the Covered Person is sane or insane. This exclusion applies only to the Medical Treatment Benefits and the Medical Evacuation Benefit provisions.

9. Claims for or arising from the influence of alcohol or intoxicants or the use of drugs, except as prescribed by a Physician.

10. Surgery to the eye for refractive purposes, eyeglasses, hearing aids or contact lenses, or examinations therefore or prescriptions thereof except when required for the Necessary Treatment of a Covered Injury.

11. Diagnostic investigation or medical treatment for infertility, fertility, or birth control, artificial insemination, sterilization or reversal thereof or abortion.

12. Medical treatment, services, supplies, or Confinement in a Hospital owned or operated by a national government or its agencies. (This exclusion does not apply to charges the law requires the Covered Person to pay.)

13. Claims arising from loss due to war, declared or undeclared, or any act of war.

14. Claims arising from loss while in military, naval, or air service of any country or international authority.

15. Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers.

16. Claims arising from participation in interscholastic or professional and/or non-professional club sports or sports event or participation in mountaineering, motor racing, speed contests, skydiving, hang gliding, parachuting, spelunking, heliskiing, extreme skiing or bungee cord jumping.

17. Sexually transmittable diseases. (This exclusion does not apply to HIV, AIDS, ARC or any derivative or variation.)

18. A Covered Injury or Covered Sickness to the extent covered under any Other Plan.

19. "Experimental or investigational treatment," as determined by Us. "Experimental or investigational" is as defined in the definition of Necessary Treatment.

20. Claims arising from participation in an illegal occupation or committing or attempting to commit a felony.

21. Claims in excess of the Reasonable Expense for a service, treatment or supply.

22. Any medical service, treatment or supply which does not constitute Necessary Treatment.

23. Under the Accidental Death and Dismemberment provision, for loss of life or dismemberment for or arising from an Accident in the Continental US

24. Under the Repatriation of Remains Benefit and the Medical Evacuation Benefit provision, for repatriation of remains or medical evacuation of the Covered Person while traveling outside the US without the prior approval of the Administrator.

25. Treatment of congenital conditions.

26. Medical services treatment or supplies the Covered Person receives in his Home Country.

Excess Coverage. The Policy is secondary to all Other Plans. We will reduce the amount payable under the Medical Treatment Benefits, Repatriation of Remains Benefit, Medical Evacuation Benefit, and Transportation Benefit provisions by the amount paid for these benefits by any Other Plan. We will determine the amount of benefits provided by Other Plans without reference to any coordination of benefits, non-duplication of benefits, or other similar provisions. The amount from Other Plans includes any amount to which the Covered Person is entitled, whether or not a claim is made for the benefits.