PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 60 day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.
The Insurer will waive this exclusion if the Insured meets the following conditions:
1. You purchase the program within 15 days of making the initial Trip payment;
2. The amount of Trip Cancellation coverage purchased at that time equals the full cost of all pre-paid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver coverage;
3. You must be medically able to travel when plan cost is paid; and 4. Applies to the first $50,000 of Trip cost per person.
In addition to any exclusions which apply to a particular benefit (called “Additional Exclusions”), the policy does not cover any loss caused by:
a) intentionally self-inflicted Injury or any attempt at an intentionally self-inflicted Injury, suicide, or attempted suicide by the Insured, Immediate Family Member, Traveling Companion or Business Partner; (while sane, in Colorado and Missouri);
b) pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy;
c) participation in professional athletic events, motor sport, or motor racing, including training or practice for the same;
d) Mountain Climbing (meaning the ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers and lead or top-rope anchoring equipment);
e) war or act of war, whether declared or not, civil commotion, riot, or insurrection;
f) operating or learning to operate any aircraft, as student, pilot, or crew;
g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
h) loss or damage caused by detention, confiscation, or destruction by customs;
i) any unlawful acts, committed by the Insured, Immediate Family Member, or a Traveling Companion, whether insured or not (not applicable in Florida);
j) mental, psychological or nervous disorders including, but not limited to, anxiety, depression, neurosis or psychosis;
k) if the Insured’s tickets do not contain specific travel dates (open tickets);
l) alcohol or substance abuse or treatment for same; or
m) an Injury or Sickness which occurs at a time when this coverage is not in effect
n) elective or non-emergency treatment or surgery, except for any necessary treatment or surgery due to covered Injury or Sickness;
o) Experimental or Investigative treatment or procedures.
In addition to the General Exclusions for Trip Cancellation and Trip Interruption, coverage is not provided for losses caused by or as a result of:
(i) travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the policy;
(ii) changes in plans by the Insured, an Immediate Family Member, or Traveling Companion, for any reason;
(iii) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion;
(iv) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion;
(v) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements;
(vi) any government regulation or prohibition; (vii) an event which occurs prior to the Insured’s coverage Effective Date for Trip Cancellation coverage, whether known to the Insured or not.
Additional Exclusions for Loss of Baggage and Personal Effects: In addition to the General Exclusions, the Insurer will not pay for any loss due to:
a) defective materials or craftsmanship;
b) normal wear and tear;
c) gradual deterioration; or
d) rodents, animals, vermin or insects.
Additional Exclusions for Medical Expense Benefit: In addition to the General Exclusions, coverage is not provided for:
a) routine physical examinations;
b) mental, psychological or nervous disorders including but not limited to: anxiety, depression, neurosis or psychosis, panic attacks and post-traumatic stress disorder;
c) replacement of hearing aids, eye glasses, contact lenses, sunglasses, for the correction of vision or fitting of glasses;
d) routine dental care, dentures, false teeth;
e) alcohol or substance abuse or treatment for same;
f) any service provided by the Insured, an Immediate Family Member, or Traveling Companion.
Additional Exclusion for Accidental Death and Dismemberment Benefit: In addition to the General Exclusions, the Insurer will not pay for loss caused by or resulting from Sickness or disease of any kind.
Additional Exclusions to Optional Car Rental Coverage: In addition to the General Exclusions, coverage is not provided for loss due to:
a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement;
b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
d) failure to report the loss to the proper local authorities and the rental car company;
e) damage to any other vehicle, structure, or person as a result of a covered loss;
f) driving under the influence of alcohol;
g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)