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GENERAL PLAN EXCLUSIONS
The following exclusion applies to the Accidental
Death & Dismemberment coverage:
We will not pay for loss caused by or resulting from
Sickness of any kind.
The following exclusion applies to the Emergency
Medical and Dental Expense, Trip Cancellation,
Trip Interruption, Trip Delay and Missed Cruise
Connection coverages:
We will not pay for loss or expense caused by or
incurred resulting from a Pre-Existing Condition,
as dened in the plan, including death that results
therefrom. This Exclusion does not apply to benets
under covered expenses for emergency medical
evacuation or repatriation of remains of the Medical
Protection coverage.
Waiver of the Pre-Existing Condition Exclusion
The Pre-Existing Condition Exclusion is waived
provided you meet the following requirements:
1. the payment for this plan is received within 14 days
from the date you paid the initial Covered Trip
deposit/payment for your Covered Trip;
2. you are not disabled from travel at the time you
make your plan payment;
3. you insure all prepaid Covered Trip costs that are
subject to cancellation penalties or restrictions
and also insure the cost of any subsequent
arrangements added to your Covered Trip within
14 days of the payment for those arrangements.
The following exclusions apply to all coverages:
We will not pay for any loss under the plan, caused by,
or resulting from:
(a) suicide, attempted suicide, or intentionally self-
inicted injury of you, your Traveling Companion or
Family Member booked to travel with you, while sane or
insane (while sane in CO and MO); (b) mental, nervous,
or psychological disorders, except if hospitalized (does
not apply to Medical Expense Benets); (c) being under
the inuence of drugs or intoxicants, unless prescribed
by a Physician; (d) normal pregnancy or resulting
childbirth (except for complications of pregnancy) or
elective abortion; (e) participation as a professional in
athletics while on the Covered Trip; (f) riding or driving in
any motor competition; (g) declared or undeclared war,
or any act of war; (h) civil disorder (does not apply to
Trip Delay), travel warning/alert; (i) service in the armed
forces of any country; (j) operating or learning to operate
any aircraft, as pilot or crew; (k) scuba diving, mountain
climbing, bungee cord jumping, skydiving, parachuting,
hang gliding, parasailing or travel on any air supported
device, other than on a regularly scheduled airline or
air charter company; (l) any criminal acts, committed
by you; (m) a loss or damage caused by detention,
conscation or destruction by customs; (n) Elective
Treatment and Procedures; (o) medical treatment
during or arising from a Covered Trip undertaken for
the purpose or intent of securing medical treatment;
(p) a loss that results from an illness, disease, or other
condition, event or circumstance and the loss occurs
at a time when the plan is not in effect for you; (q) a
diagnosed sickness from which no recovery is expected
and which only palliative treatment is provided and
which carries a prognosis of death within 12 months
of your Effective Date; Sickness, Injury or Death if
insurance is purchased after entering a hospice facility
or receiving hospice treatment.
The following exclusion applies to the Baggage and
Personal Effects, Baggage Delay coverages:
We will not pay for damage to or loss of: animals;
property used in trade, business or for the production
of income, household furniture, musical instruments,
brittle or fragile articles, or sporting equipment if the loss
results from the use thereof; boats, motors, motorcycles,
motor vehicles, aircraft, and other conveyances or
equipment, or parts for such conveyances; articial
limbs or other prosthetic devices, articial teeth,
dental bridges, dentures, dental braces, retainers or
other orthodontic devices, hearing aids, any type of
eyeglasses, sunglasses or contact lenses; documents
or tickets, except for administrative fees required to
reissue tickets; money, stamps, stocks and bonds,
postal or money orders, securities, accounts, bills,
deeds, food stamps or credit cards, except as noted
above; property shipped as freight or shipped prior to
the Scheduled Departure Date; contraband.
We will not pay for loss arising from: defective materials
or craftsmanship; or normal wear and tear, gradual
deterioration, inherent vice; or rodents, animals, insects
or vermin; or theft or pilferage from an unattended
vehicle; or mysterious disappearance; or electrical
current, including electric arcing that damages or
destroys electrical devices or appliances.
GENERAL PROVISIONS
Beneciary: Your estate, unless written notice of
a designated beneciary is provided to the Plan
Administrator.
Concealment or Fraud: We do not provide coverage
if you have intentionally concealed or misrepresented
any material fact or circumstance relating to the plan.
Conformity To Law: Any provision of the plan that is in
conict with the laws of the state in which it is issued is
amended to conform with the laws of that state.
Duplication of Coverage: You may only purchase
one certicate from us for each Covered Trip. If you
do purchase more than one certicate for a specic
Covered Trip, the Maximum Limit of Coverage payable
will be as specied in the certicate with the highest
level of benets. We will refund plan payments received
from you under any other certicate.
Entire Contract; Changes: The plan, the Group
Application and any other attachments is the entire
contract between us. Any statement you make is
a representation and not a warranty. No statement
will be used by us to void or reduce benets unless
that statement is a part of any written application or
enrollment form. The plan may be changed at any time
by written agreement between us. Only our President,
Vice President or Secretary may change or waive the
provisions of the plan. No agent or other person may
change the plan or waive any of its terms. The change
will be endorsed on the plan.
Examination Under Oath: As often as we may
reasonably require, you or any person making a claim
under the plan must submit to examination under oath.
Maximum Limit of Coverage: The Maximum Benet
Amount for each claim is listed in the Schedule, subject
to the individual benet amount and the company’s
Maximum Limit of Liability. The total limit of our liability
for any one covered event, in which two or more
persons submit a claim, is subject to the individual
benet amount and the company’s Maximum Limit of
Liability. In the event of multiple claims by you for one
event, the available funds will be distributed in order of
notice of claim by each insured subject to the above
limitations.