TraveLite Trip Protection Exclusions

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Benefits are not payable for sickness, injuries or losses of you or your traveling companion:

• resulting from suicide
• resulting from attempted suicide
• resulting from intentionally self-inflicted injury while sane or insane (in Missouri, sane only)
• resulting from an act of declared or undeclared war
• while participating in maneuvers or training exercises of an armed service
• while riding, driving or participating in races, or speed or endurance contests
• while mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes or other special equipment)
• while participating as a member of a team in an organized sporting competition
• while participating in skydiving, hang gliding, bungee cord jumping, scuba diving or deep sea diving
• while piloting or learning to pilot or acting as a member of the crew of any aircraft
• received as a result or consequence of being intoxicated or under the influence of any controlled substance unless administered on the advice of a legally qualified physician
• to which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation
• due to normal childbirth, normal pregnancy (except complications of pregnancy) or voluntarily induced abortion
• for dental treatment (except as coverage is otherwise specifically provided herein)
• or due to a pre-existing condition
• Benefits under any coverage will not be paid for expenses reimbursed or services provided by any other source
• In California, benefits are not payable if during the 60 days prior to the insured's effective date, a legally qualified physician advised the insured or his/her traveling companion not to travel due to a sickness or injury

Note: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any question about your current coverage, call your insurer or health plan.