TravMed Choice Outbound For US Residents Traveling Outside the USA

Pre-existing Medical Condition Exclusion Applicable To All Coverages (except Emergency Medical Evacuation and Repatriation of Remains)

The Policy will not pay for loss or expense incurred as the result of Injury or Sickness of the Covered Person or Family Member which manifests itself during the 180 days immediately preceding and including the Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 180 day period. A Sickness has manifested itself when: (a) medical care or treatment has been given; or (b) there exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment.

In addition to any exclusion which applies to a particular benefit (called "Additional Exclusions"), the Policy does not cover loss due to:

• intentionally self-inflicted Injury, suicide, or attempted suicide, while sane or insane (in Missouri, while sane);
• war or any act of war, whether declared or not, civil disturbance or insurrection;
• military duty or service; while serving as a member of the naval, air or Armed Services of any country;
• bodily contact sports; skydiving; hang gliding; parachuting; mountaineering (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); any race; bungee cord jumping; speed contest; scuba diving; spelunking or caving; heliskiiing; (Mountaineering, bungee cord jumping, scuba diving, spelunking, and caving are not excluded, if the additional premium is paid for these sports activities);
• participation in professional athletic events;
• operating, or learning to operate, any Aircraft, as a student, pilot or crew;
• Injury or loss or Sickness that occurs while the Covered Person is legally intoxicated (as determined by that state's law) or while under the influence of any drug unless administered under the advice and consent of a Doctor;
• Injury sustained while committing or attempting to commit a felony or misdemeanor;
• pregnancy or childbirth, or elective abortion, other than Complications of Pregnancy;
• routine dental care; dental treatment, except as a result of Injury to sound natural teeth;
• mental and nervous disorders (except as provided in the Policy);
• any non-emergency treatment or surgery;
• Elective Treatment, or medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
• any treatment, service or supply not specifically covered by the Policy;
• elective or cosmetic surgery except for necessary treatment due to covered Injury;
• venereal disease or syphilis.
• covered medical expenses for which the Covered Person would not be responsible for in the absence of the Policy.
• Injury or sickness where the Covered Person is traveling against the advice of a medical professional.

If We determine the benefits paid under this Policy are eligible benefits under any other benefit plan, We may seek to recover any expenses covered by another plan to the extent that the Covered Person is eligible for reimbursement.

This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.

The following exclusions apply to Part B - Baggage Protection only.

Property Not Covered: The Insurer will not pay for damage or loss of animals; bicycles except when checked with a Common Carrier; motor vehicles and equipment; boats, motorcycles, motors or any other vehicles; artificial limbs, artificial teeth, dental bridges/appliances, any type of eyeglasses, sunglasses or contact lenses; hearing aids; tickets, money, notes, securities, accounts, bills, currency, deeds, food stamps or other evidence of debt, credit cards and other travel documents except passports and visas.

Additional Exclusions: The Insurer will not pay this benefit for loss due to: normal wear and tear; gradual deterioration; rodents, animals or insects; damage while being worked on; natural defect or damage sustained due to any process or repair; civil war, insurrection, rebellion, revolution or warlike act by a military force, whether war is declared or not declared; confiscation or expropriation by order of any government; nuclear reaction, nuclear radiation,or radioactive contamination; sporting equipment damaged while being used; theft or pilferage while left unattended in any vehicle; mysterious disappearance.