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Exclusions that apply to all Coverages:

Please note additional exclusions may apply to specific coverages. All exlusions will be indicated in your certificate/policy. Please read your certificate/policy carefully when you receive it.

We will not pay for any loss under the certificate, caused by, or resulting from:

1. Your, or your Traveling Companion's, or your Family Member's booked to travel with you, suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO & MO);
2. Mental, nervous or psychological disorders;
3. Being under the influence of drugs or intoxicants unless prescribed by a Physician;
4. Normal pregnancy or resulting childbirth or elective abortion;
5. Participation as a professional in athletics;
6. Participation in organized amateur and interscholastic athletic or sports competition or events;
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 Travel Delay);
10. Service in the armed forces of any country;
11. Nuclear reaction, radiation or radioactive contamination;
12. Operating or learning to operate any aircraft, as pilot or crew;
13. 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;
14. Any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
15. Any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;
16. A loss or damage caused by detention, confiscation or destruction by customs;
17. Elective Treatment or Procedures;
18. Medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
19. Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for you Covered Trip;
20. Bankruptcy, Financial Insolvency, default, or failure to supply services by a travel supplier;
21. Business, contractual or educational obligations of you, a Family Member, or a Traveling Companion;
22. Failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
23. 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.