The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment and Missed Connection:

Loss caused by or resulting from:

• Pre-Existing Conditions, as defined in the Definitions section;
• suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (unless results in the death of a non-traveling Family Member);
• intentionally self-inflicted injuries;
• war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
• participation in any military maneuver or training exercise;
• piloting or learning to pilot or acting as a member of the crew of any aircraft;
• mental or emotional disorders, unless Hospitalized;
• participation as a professional in athletics;
• participation in underwater activities (does not include recreational swimming);
• being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician, unless results in the death of a non-traveling Family Member;
• commission or the attempt to commit a dishonest, fraudulent or criminal act;
• participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;
• pregnancy and childbirth (except for complications of pregnancy); except if Hospitalized;
• curtailment or delayed return for other than covered reasons;
• traveling for the purpose of securing medical treatment;
• services not shown as covered;
• 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;
• confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions.

The following exclusions apply to Baggage Delay:

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

• animals;
• automobiles and automobile equipment;
• boats or other vehicles or conveyances;
• trailers;
• motors;
• motorcycles;
• aircraft;
• bicycles (except when checked as baggage with a Common Carrier);
• household effects and furnishing;
• antiques and collector’s items;
• eye glasses, sunglasses or contact lenses;
• artificial teeth and dental bridges;
• hearing aids;
• artificial limbs and other prosthetic devices;
• prescribed medications;
• keys, cash, stamps, securities and documents;
• tickets;
• credit cards;
• professional or occupational equipment or property, whether or not electronic business equipment;
• personal computers, cell phones, computer hardware or software;
• sporting equipment if loss or damage results from the use thereof;
• musical instruments;
• retainers and orthodontic devices.

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

• breakage of brittle or fragile articles;
• wear and tear or gradual deterioration;
• insects or vermin;
• inherent vice or damage while the article is actually being worked upon or processed;
• confiscation or expropriation by order of any government;
• war or any act of war whether declared or not;
• theft or pilferage while left unattended in any vehicle;
• mysterious disappearance;
• property illegally acquired, kept, stored or transported;
• insurrection or rebellion;
• imprudent action or omission;
• property shipped as freight or shipped prior to the Scheduled Departure Date.

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