We do not cover (across all policies), claims arising due to:
- Foreseeable, intended, or expected events
- Your failure to provide a full and accurate medical declaration
- Drug or alcohol abuse/misuse
- Suicide attempts or self-injury
- Travelling against the advice of a medical professional
- Travelling against the orders/advice of any government/public authority
- Your failure to obtain the correct documents required to travel (ie. passports, visas, ESTAs)
- Claims relating to pre-existing medical conditions of non-travelling relatives/friends
- Treatment in a private medical facility, unless the available public facilities are not medically capable
- Your disinclination to travel
Please note that this list is not exhaustive, and each Policy Wording contains its own section of General Conditions and Exclusions.