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 defi ned in the Definitions section (except Emergency Evacuation and Repatriation of Remains);
  2. Suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only) unless results in the death of a non-traveling immediate Family Member;
  3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
  4. Participation in any military maneuver or training exercise;
  5. Piloting or learning to pilot or acting as a member of the crew of any aircraft;
  6. Mental or emotional disorders, unless hospitalized;
  7. Participation as a professional in athletics;
  8. Participation in underwater activities (does not include recreational swimming);
  9. Being under the infl uence of drugs or intoxicants, unless prescribed by a Physician or unless results in the death of a non-traveling immediate Family Member;
  10. Commission or the attempt to commit a criminal act;
  11. Participating in bodily contact sports; skydiving; hang-gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest (speed contest shall not include any of the regatta races); scuba diving (unless accompanied by a dive master and not deeper than 50 feet); spelunking or caving; heliskiing or extreme skiing. Exclusion does not apply to Trip Cancellation. Bodily contact sports means any sport where the objective is to physically render an opponent unable to continue with the competition such as boxing and full contact karate;
  12. Dental treatment except as a result of an injury to sound natural teeth limited to $750;
  13. Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses;
  14. Pregnancy and childbirth (except for complications of pregnancy) except if hospitalized;
  15. Traveling for the purpose of securing medical treatment;
  16. Services not shown as covered;
  17. Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;
  18. Care or treatment that is not medically necessary;
  19. Injury or Sickness when traveling against the advice of a Physician;
  20. Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

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.

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.