What is not covered
For the purposes of out of country medical, the following exclusions apply
We will not pay Benets under the Policy for any Injury that is caused by, or results from:
1. Intentionally self-inicted Injury;
2. Suicide or attempted suicide;
3. War or any act of war, whether declared or not;
4. Service in the military, naval or air service of any country;
5. Illness, disease, bodily or mental inrmity, bacterial or viral infection or medical or viral infection or medical or surgical
treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental
ingestion of contaminated food;
6. Piloting or serving as a crewmember or riding in any aircraft except as a fare-paying passenger on a regularly
scheduled or charter airline;
7. Commission of, or attempt to commit, a felony;
8. Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including
sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or
administered by a licensed Doctor;
9. Injury sustained as a result of the Insured being legally intoxicated from the use of alcohol. An Insured is conclusively
determined to be legally intoxicated by alcohol if a test, including but not limited to a chemical or breath test,
administered in the jurisdiction where the Injury occurred is at or above the legal limit set by that jurisdiction.
1. Emergency evacuation expenses without the prior approval of Our Assistance Provider;
2. In-patient hospital treatment unless the Covered Person has notied Our Assistance Provider in advance of the planned
admission and allowed them to coordinate care or, in the case of an emergency admission, notied Our Assistance
Provider as soon as reasonably possible, of said admission;
3. Non-emergency medical expenses unless prior notice is given to Our Assistance Provider;
4. Any medical expenses incurred by the Covered Person after the date that We or Our Assistance Provider, based on
the advice of a Medical Practitioner, had recommended the repatriation of the Covered Person to his or her country of
Principal Residence, citizenship or permanent assignment;
5. Any medical expenses incurred if the travel was undertaken for the purpose of obtaining medical treatment;
6. Medical expenses incurred more than twelve (12) months from the date of the Covered Injury or onset of Illness;
7. Medical expenses resulting from the Covered Person engaging in aviation as a pilot of a xed wing or rotary propelled
aircraft;
8. Medical expenses resulting from pregnancy, child birth, or elective abortion or medical expenses relating to travel while
in the third trimester of pregnancy, unless such expenses are incurred as a result of an emergency;
9. An injury or sickness for which the Covered Person is entitled to benets under Workers Compensation, Employer
Liability, or similar law;
10. Expenses which are more than Reasonable and Customary;
11. Expenses for travel against the advice of a Physician;
12. Medical expenses incurred within the Covered Person’s country of Principal Residence, citizenship or permanent
assignment;
13. Eyeglasses, contact lenses, hearing aids, wheelchairs, braces, appliances, examinations or prescriptions for them, or
repair or replacement of existing articial limbs, orthopedic braces, or orthotic devices;
14. Routine physical examinations;
15. Mental health care;
16. Cosmetic surgery, other than reconstructive surgery when necessary due to an Injury as a result of a Covered Accident
while coverage is in eect;
17. Medical expenses resulting from suicide or any attempt at suicide or intentionally self-inicted Injury or any attempt at
intentionally self-inicted Injury;
18. Medical expenses resulting from war or any act of war, whether declared or not;
19. Medical expenses resulting commission of, or attempt to commit, a felony, an assault or other illegal activity;
20. Medical expenses resulting from Injury sustained as a result of the Insured being legally intoxicated from the use of
alcohol. An Insured is conclusively determined to be legally intoxicated by alcohol if a test, including but not limited to
a chemical or breath test, administered in the jurisdiction where the Injury occurred is at or above the legal limit set by
that jurisdiction;
21. Medical expenses resulting from the intentional use of illegal drugs or intentional misuse of prescription or over the
counter drugs (not takes as directed);
22. Personal comfort or convenience items, including but not limited to telephone charges, television rental, or guest meals.
Exclusions may vary by state. Refer to the policy for all the exclusion details.
7.
