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

1. intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane;
2. pregnancy, childbirth, or elective abortion, other than Complications of Pregnancy;
3. participation in professional athletic events, motor sport, or motor racing, including training or practice for the same (does not apply if Adventure Sports Coverage is purchased);
4. 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 (does not apply if Adventure Sports Coverage is purchased);
5. operating or learning to operate any aircraft, as student, pilot, or crew (does not apply if Adventure Sports Coverage is purchased);
6. air travel on any air-supported device, other than a regularly scheduled airline or air charter company (does not apply if Adventure Sports Coverage is purchased);
7. loss or damage caused by detention, confiscation, or destruction by customs;
8. any unlawful acts, committed by the Insured, a Family Member, or a Traveling Companion, or Business Partner whether insured or not;
9. Mental, Nervous or Psychological Disorder;
10. if the Insured’s tickets do not contain specific travel dates (open tickets);
11. use of drugs, narcotics, or alcohol, unless administered upon the advice of a Physician;
12. any failure of a provider of travel related services (including any Travel Supplier) to provide the bargained-for travel services or to refund money due the Insured;
13. Experimental or Investigative treatment or procedures;
14. any loss that occurs at a time when this coverage is not in effect;
15. traveling for the purpose of securing medical treatment;
16. care or treatment which is not Medically Necessary;
17. any Trip taken outside the advice of a Physician;

Insurer will not pay for any Loss or expense incurred as the result of an Injury, Sickness or other condition 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 or 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.