Insurance Benefits are not payable for any loss 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 to travel with You, while sane or insane; 2. an act of declared or undeclared war; 3. participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard; 4. riding or driving in races, or speed or endurance competitions or events; 5. piloting or learning to pilot or acting as a member of the crew of any aircraft; 6. being Intoxicated as defined in the Plan, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician; 7. the commission of or attempt to commit a felony or being engaged in an illegal occupation; 8. normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion; 9. due to a Pre-Existing Condition, as defined in the Plan. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or Return of Remains coverage; 10. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law; 11. a loss or damage caused by detention, confiscation or destruction by customs; 12. Elective Treatment and Procedures; 13. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment; 14. a mental or nervous condition, unless hospitalized for that condition while the Plan is in effect for You; 15. a loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Plan is not in effect for You; 16. Bankruptcy or Default or failure to supply services by a supplier of travel services; 17. business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion; or 18. an assessment from a Legally Qualified Physician advising You in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Plan, at the time of purchase of Coverage for a Trip.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from: breakage of brittle or fragile articles; wear and tear or gradual deterioration; confiscation or appropriation by order of any government or custom’s rule; theft or pilferage while left in any unlocked or unattended vehicle; property illegally acquired, kept, stored or transported; Your negligent acts or omissions; or property shipped as freight or shipped prior to the Scheduled Departure Date; or electrical current, including electric arcing that damages or destroys electrical devices or appliances.