When You Are Not Covered

The following exclusions apply to Trip Cancellation & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Evacuation & Repatriation of Remains and Optional Flight Accidental Death & Dismemberment:

Loss caused by or resulting from:

  1. Pre-Existing Conditions, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under covered expenses for emergency medical evacuation or repatriation of remains of the Medical Expense Benefits coverage.;
  2. Your, Traveling Companion’s, Domestic Partner’s Family Member’s or Business Partner’s suicide, attempted suicide, or intentionally self-inflicted injury, booked to travel with you, while sane or insane;
  3. mental, nervous, or psychological disorders (does not apply to Medical Expense Benefits);
  4. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
  5. normal pregnancy or resulting childbirth or elective abortion;
  6. participation as a professional in athletics;
  7. riding or driving in any motor competition;
  8. declared or undeclared war, or any act of war;
  9. civil disorder (does not apply to Trip Delay);
  10. service in the armed forces of any country;
  11. operating or learning to operate any aircraft, as pilot or crew;
  12. mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;
  13. any criminal acts, committed by you;
  14. a loss or damage caused by detention, confiscation or destruction by customs;
  15. Elective Treatment and Procedures;
  16. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
  17. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

The following exclusions apply to Baggage/Personal Effects, Baggage Delay:

The Company will not provide benefits for any Loss or damage to:

  1. Animals;
  2. Automobiles and automobile equipment;
  3. Boats or other vehicles or conveyances;
  4. Trailers;
  5. Motors;
  6. Motorcycles;
  7. Aircraft;
  8. Bicycles (except when checked as baggage with a Common Carrier);
  9. Household effects and furnishing;
  10. Antiques and collectors’ items;
  11. Eyeglasses, sunglasses or contact lenses;
  12. Artificial teeth and dental bridges;
  13. Hearing aids;
  14. Prosthetic limbs;
  15. Prescribed medications;
  16. Keys, money, stamps, securities and documents;
  17. Tickets;
  18. Credit cards;
  19. Professional or occupational equipment or property, whether or not electronic business equipment;
  20. Personal computers, telephones, computer hardware or software;
  21. Sporting equipment if Loss or damage results from the use thereof.

Any Loss caused by or resulting from the following is excluded:

  1. Breakage of brittle or fragile articles;
  2. Wear and tear or gradual deterioration;
  3. Insects or vermin;
  4. Inherent vice or damage while the article is actually being worked upon or processed;
  5. Confiscation or expropriation by order of any government;
  6. War or any act of war whether declared or not;
  7. Theft or pilferage while left unattended in any vehicle;
  8. Mysterious disappearance;
  9. Property illegally acquired, kept, stored or transported;
  10. Insurrection or rebellion;
  11. Imprudent action or omission;
  12. Property shipped as freight or shipped prior to the Scheduled Departure Date.

The following exclusions apply to Collision Damage Waiver:

The Company will not provide benefi ts for any Loss or damage to:

  1. Any obligation You assume under any agreement (except insurance collision deductible);
  2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
  3. Any Loss that occurs if You are in violation of the rental agreement;
  4. Failure to report the Loss to the proper local authorities and the rental car company;
  5. Damage to any other vehicle, structure or person as a result of a covered Loss.

Note: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any question about your current coverage, call your insurer or health plan.

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.