The following exclusion(s) appl(y)(ies) to the Trip Cancellation, Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:
         a Pre-Existing Medical Condition, as defined in the policy.

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. Elective Treatment and Procedures;
5. Normal pregnancy (except Complications of Pregnancy) or childbirth, or elective abortion;
6. a Mental, Nervous or Psychological Condition or Disorder unless Hospitalized or Partially Hospitalized while the policy is in effect;
7. any loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the policy is not in effect for You;
8. 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. This exclusion will be waived if the optional coverage for Adventure or Extreme Activities is elected and any required cost is paid by final payment due date for Your Trip;
9. Diving, if You are not certified to dive and a dive master is not present during the dive;
10. 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. war or act of war, including invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war;
4. 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;
5. costs for Your Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points or rewards through similar programs;
6. piloting or learning to pilot or acting as a member of the crew of any aircraft;
7. a loss or damage caused by detention, confiscation or destruction by customs;
8. failure of any tour operator, Common Carrier, or other travel entity, person or agency to provide the bargained-for Travel Arrangements for reasons other than Financial Insolvency or Financial Default. Important: there is no coverage for losses due to, arising or resulting from the Financial Insolvency or Financial Default of Your Travel Supplier or any entity that sold, solicited, negotiated, offered or disseminated this policy to You.

MEDICALLY FIT TO TRAVEL EXCLUSION:

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

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:
a. Your premium for this policy is received within the Time Sensitive Period; and
b. You are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Exclusions:
In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit.

Unless otherwise shown below, these exclusions and limitations apply to You. Benefits are not payable for any loss due to,
arising or resulting from:
1) any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2) any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except          insurance collision deductible);

3) alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You 

    are located at the time of loss;
4) rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor 

    bikes, motorcycles, off road vehicles, recreational vehicles or Exotic Vehicles;
5) failure to report the loss to the proper local authorities and the Rental Car company;
6) damage to any other vehicle, structure or person as a result of a covered loss;
7) any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or 

   the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; 

   for compensation for hire; for illegal trade purposes, or transporting contraband;
8) any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and 

    tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; 

    any consequence of war (declared or otherwise); or contamination by a radioactive material. The following condition applies: 

    Coverage is provided to You, if the Rental Car is damaged while being operated by You at the time the damage occurs and 

    must be listed on the Rental Car Agreement. These benefit(s) will not duplicate any other benefits payable under the policy or        any coverage(s) attached to the policy.