GENERAL EXCLUSIONS
 
This plan does not cover any loss caused by or resulting from:

• intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane;
• Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured, a Traveling Companion or a Family Member;
• participation in professional athletic events, motor sport or motor racing, including training or practice for the same;
• mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers and lead or top-rope anchoring equipment;
• war or act of war, whether declared or not, participation in a civil disorder, riot or insurrection;
• operating or learning to operate any aircraft, as student, pilot or crew; 
• air travel on any air-supported device, other than a regularly scheduled airline or air charter company; 
• commission of or attempt to commit a felony by the Insured; 
• Mental, Nervous or Psychological Disorder; 
• if the Insured’s tickets do not contain specific travel dates (open tickets); 
• being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit; 
• any loss that occurs at a time when this coverage is not in effect; 
• traveling for the purpose of securing medical treatment; 
• any Trip taken outside the advice of a Physician;

Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared to describe the Loss, the name of the company that arranged the Trip (i.e., tour operator, Cruise line, or charter operator), the Trip dates, purchase date and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard, PO Box 47, Stevens Point, WI 54481 (telephone 1.800.826.1300). All claims will be administered by AIG Claims Inc., in those states where it is licensed.

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: (a) 15 days from the Effective Date of your insurance; or (b) your Scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.
[Refund of premium does not include the non-refundable service fee of $7, as required by the plan provider.]

PRE-EXISTING MEDICAL CONDITION EXCLUSION:

The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date:

• (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment;
  
• (b) for which care or treatment was given or recommended by a Physician;
  
• (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.