Standard Plan

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EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, or Family Member scheduled and booked to travel with You.

The following exclusions apply to Trip Cancellation, Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the plan;

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. routine physical examinations or routine dental care;

2. traveling for the purpose or intent of securing medical treatment or advice;

3. any Trip taken against the advice of a Physician and any losses occurred during such Trip;

4. mental health care;

5. physical therapy or occupational therapy;

6. Experimental or Investigative treatment or procedures;

7. Elective Treatment and Procedures;

8. care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease that first manifests or occurred during Your Trip;

9. any medical service provided by You, a Family Member, or Traveling Companion;

10. any treatment or medication which, at the time of Your Scheduled Departure Date, is required to be continued during Your Trip;

11. alcohol, marijuana abuse or substance abuse or treatment for the same including admittance to a rehab facility;

12. Normal pregnancy (except Complications of Pregnancy) or childbirth, or elective abortion;

13. a Mental, Nervous or Psychological Condition or Disorder unless Hospitalized or Partially Hospitalized while the plan is in effect. Hospitalized or Partially Hospitalized requirements do not apply to Post Traumatic Stress Disorder (PTSD);

14. any loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the plan is not in effect for You;

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused 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 and scheduled to travel with You, while sane or insane;

2. being under the influence of drugs, marijuana or narcotics, unless administered upon the advice of a Physician as prescribed;

3. activities, losses, or claims involving or resulting from possession, production, processing, sale, or use of marijuana, illegal drugs, alcohol or substances are excluded from coverage;

4. expenses incurred by any Child born or adopted during Your Trip;

5. war or act of war, including invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war, except as the policy specifically provides otherwise;

6. participation in a Civil Disorder or Riot, or insurrection;

7. the commission of or attempt to commit a felony or being engaged in an illegal occupation by You, a Traveling Companion, Family Member, or Business Partner. The sole exception to this exclusion is for situations where a Family Member commits, or attempts to commit, an act of violence against another Family Member. In such cases, the Family Member who is the victim, or the intended victim, of the act of violence is still eligible to have his or her loss or losses covered under the plan;

8. directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive weapon, device, material, gas, matter or contamination;

9. costs for Your Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points or rewards through similar programs;

10. air travel on a privately owned aircraft (whether as a pilot or a passenger);

11. piloting or learning to pilot or acting as a member of the crew of any aircraft;

12. a loss or damage caused by detention, confiscation or destruction by customs;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

14. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

MEDICALLY FIT TO TRAVEL EXCLUSION:

We will not pay any expense as a result of You having been advised in writing that You are not Medically Fit to Travel at the time of purchase of coverage for a Trip, as defined in the plan. If coverage for a Trip is purchased and it is later determined that You were not Medically Fit to Travel at the time of purchase of coverage for Your Trip, as defined in the plan, the coverage is cancelled and cost paid will be returned.

EXCESS INSURANCE:

Insurance provided by this plan shall be in excess of all other valid and collectible insurance or indemnity.

EXCLUSIONS AND LIMITATIONS apply to Baggage and Personal Effects:

We will not provide benefits for any loss or damage for the following items:

1. animals;

2. automobiles and automobile equipment;

3. boats or other vehicles or conveyances;

4. motorcycles;

5. trailers;

6. motors;

7. aircraft;

8. bicycles, except when checked as baggage with a Common Carrier;

9. household effects and furnishings;

10. antiques and collectors’ items;

11. any type of or repair or replacement of any type of eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers, other orthodontic devices, hearing aids and prosthetics;

12. artificial limbs or other prosthetic devices;

13. prescribed medications;

14. keys, money, stamps and credit cards (except as otherwise specifically covered herein);

15. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

16. professional or occupational equipment or property, whether or not electronic business equipment;

17. sports equipment if the loss results from the use thereof;

Losses not covered:

We will not provide benefits for any loss or damage caused by or resulting from:

1. breakage of brittle or fragile articles (except musical instruments);

2. wear and tear or gradual deterioration;

3. confiscation or appropriation by order of any government or custom’s rule;

4. theft or pilferage while left in any unlocked or unattended vehicle;

5. property illegally acquired, kept, stored or transported;

6. Your negligent acts or omissions;

7. property shipped as freight or shipped prior to the Scheduled Departure Date;

8. electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9. Vermin.

Premium Plan

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EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, or Family Member scheduled and booked to travel with You.

The following exclusions apply to Trip Cancellation, Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the plan;

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. routine physical examinations or routine dental care;

2. traveling for the purpose or intent of securing medical treatment or advice;

3. any Trip taken against the advice of a Physician and any losses occurred during such Trip;

4. mental health care;

5. physical therapy or occupational therapy;

6. Experimental or Investigative treatment or procedures;

7. Elective Treatment and Procedures;

8. care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease that first manifests or occurred during Your Trip;

9. any medical service provided by You, a Family Member, or Traveling Companion;

10. any treatment or medication which, at the time of Your Scheduled Departure Date, is required to be continued during Your Trip;

11. alcohol, marijuana abuse or substance abuse or treatment for the same including admittance to a rehab facility;

12. Normal pregnancy (except Complications of Pregnancy) or childbirth, or elective abortion;

13. a Mental, Nervous or Psychological Condition or Disorder unless Hospitalized or Partially Hospitalized while the plan is in effect. Hospitalized or Partially Hospitalized requirements do not apply to Post Traumatic Stress Disorder (PTSD);

14. any loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the plan is not in effect for You;

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused 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 and scheduled to travel with You, while sane or insane;

2. being under the influence of drugs, marijuana or narcotics, unless administered upon the advice of a Physician as prescribed;

3. activities, losses, or claims involving or resulting from possession, production, processing, sale, or use of marijuana, illegal drugs, alcohol or substances are excluded from coverage;

4. expenses incurred by any Child born or adopted during Your Trip;

5. war or act of war, including invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war, except as the policy specifically provides otherwise;

6. participation in a Civil Disorder or Riot, or insurrection;

7. the commission of or attempt to commit a felony or being engaged in an illegal occupation by You, a Traveling Companion, Family Member, or Business Partner. The sole exception to this exclusion is for situations where a Family Member commits, or attempts to commit, an act of violence against another Family Member. In such cases, the Family Member who is the victim, or the intended victim, of the act of violence is still eligible to have his or her loss or losses covered under the plan;

8. directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive weapon, device, material, gas, matter or contamination;

9. costs for Your Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points or rewards through similar programs;

10. air travel on a privately owned aircraft (whether as a pilot or a passenger);

11. piloting or learning to pilot or acting as a member of the crew of any aircraft;

12. a loss or damage caused by detention, confiscation or destruction by customs;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

14. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

MEDICALLY FIT TO TRAVEL EXCLUSION:

We will not pay any expense as a result of You having been advised in writing that You are not Medically Fit to Travel at the time of purchase of coverage for a Trip, as defined in the plan. If coverage for a Trip is purchased and it is later determined that You were not Medically Fit to Travel at the time of purchase of coverage for Your Trip, as defined in the plan, the coverage is cancelled and cost paid will be returned.

EXCESS INSURANCE:

Insurance provided by this plan shall be in excess of all other valid and collectible insurance or indemnity.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

1. Your payment for this plan is received within the Time Sensitive Period; and

2. You are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

EXCLUSIONS AND LIMITATIONS apply to Baggage and Personal Effects:

We will not provide benefits for any loss or damage for the following items:

1. animals;

2. automobiles and automobile equipment;

3. boats or other vehicles or conveyances;

4. motorcycles;

5. trailers;

6. motors;

7. aircraft;

8. bicycles, except when checked as baggage with a Common Carrier;

9. household effects and furnishings;

10. antiques and collectors’ items;

11. any type of or repair or replacement of any type of eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers, other orthodontic devices, hearing aids and prosthetics;

12. artificial limbs or other prosthetic devices;

13. prescribed medications;

14. keys, money, stamps and credit cards (except as otherwise specifically covered herein);

15. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

16. professional or occupational equipment or property, whether or not electronic business equipment;

17. sports equipment if the loss results from the use thereof;

Losses not covered:

We will not provide benefits for any loss or damage caused by or resulting from:

1. breakage of brittle or fragile articles (except musical instruments);

2. wear and tear or gradual deterioration;

3. confiscation or appropriation by order of any government or custom’s rule;

4. theft or pilferage while left in any unlocked or unattended vehicle;

5. property illegally acquired, kept, stored or transported;

6. Your negligent acts or omissions;

7. property shipped as freight or shipped prior to the Scheduled Departure Date;

8. electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9. Vermin.