What is Not Covered?

Emergency Hospital and Medical Benefits Exclusions

We will not pay for losses or expenses incurred for or as the result of:

1.      An injury or sickness or state of health where the trip is taken to get medical treatment or advice for such injury or sickness;

2.      Loss, death, or injury, that is contributed to by the abuse of drugs, alcohol or any other intoxicant; 

3.      An injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization; 

4.      Expenses incurred as a result of pregnancy within 8 weeks of the expected delivery date;

5.      Any loss as a result of an injury or a sickness which required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, at any time during the 180 day period immediately preceding the effective date of this policy.  This exclusion applies to persons up to age 70 traveling for periods of 36 days or longer and persons age 71 and over for trips of any duration.

Notes: 

·          Travel Insurance does not cover everything.  Please read to understand them before you travel.

·          Pre-existing medical conditions may be excluded. 

·          Any medical condition you are aware of prior to the Effective Date of coverage whether diagnosed or not, may not be covered.