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Domestic Insurance Policy Exclusions

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Domestic Medical Emergency Evacuation Benefit Policy Exclusions

  • This benefit does not apply to any Medical Incident or claim when:
  • A. the Beneficiary has committed a criminal act;
  • B. the Beneficiary was on an organ transplant list at the time he/she embarked on his or her trip;
  • C. the claim is due to circumstances that were diagnosed or treated within forty-five (45) days prior to the term of this Agreement, or for which symptoms existed which would cause an ordinarily prudent person to seek such diagnosis or treatment; 
  • D. the claim is due to the use of drugs or intoxicants (unless prescribed by a physician);
  • E. the Beneficiary is traveling against the advice of a Physician, while waiting for treatment, or is traveling for the purpose of obtaining medical treatment;
  • F. the Beneficiary is located outside the United States of America;
  • G. arising out of or involving any Medical Incident of which the Beneficiary was aware prior to the inception of this policy; or any claim for payment for which the Beneficiary is entitled to indemnification and/or payment under any policy or policies having an inception date prior to the commencement of the policy period;
  • H. caused by the named Beneficiary by any intentionally self-induced means;
  • I. arising from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), terrorism, chemical or biological warfare, civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition or destruction of or damage to property by, or under the order of, any government or public or local authority;
  • J. arising out of any Medical Incident which has been reported to us or any other insurer prior to the inception of this Policy; and
  • K. arising out of any Medical Incident which has been reported to us more than thirty (30) days after the such Medical Incident occurred.

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