General Exclusions We will not cover the following 1. Costs or expenses incurred outside the Period of Insurance. 2. A claim which arises from an event which occurs outside the Period of Insurance. 3. Claims directly or indirectly arising from any Existing Medical Condition:     a. You or Your travelling companion has. This exclusion will be waived:     i. if You satisfy the provisions set out under the heading “Self Assessment” Existing Medical Conditions on page 4; or ii. from the time the appropriate additional amount payable has been received by Us in respect of the Existing Medical Conditions for which cover is separately applied for and accepted by Us. b. of any other person unless the person is hospitalised or dies in the United Kingdom after the date the policy is issued (or the date the trip is booked, whichever is the later) and at the time of issue of the policy (or the date the trip is booked, whichever is the later) the chance of a claim occurring is highly unlikely. In any event, We will not pay more than £1500 under all sections of the policy combined. 4. Any claim if:     a. You are travelling against medical advice; b. You are travelling to receive medical advice or treatment; c. You are on a hospital waiting list waiting for treatment or investigation; or d. You have been given a terminal diagnosis. 5. Loss or damage directly or indirectly caused by war, terrorism, revolution or any similar event or any Government, public or local authority legally taking or damaging Your property. 6. Any claim arising from or as a result of civil commotions or riots of any kind. 7. Loss, or damage to any property, or any loss, expense or liability arising from:     a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or b. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it. 8. Any claim under section D if You already have a more specific insurance coveringthis. 9. Any claim, if at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability. We will only pay Our share. 10. Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound. 11. Any claim arising from You being in, or entering, or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft. 12. Any claim arising from using a two-wheeled motor vehicle. 13. Any other loss connected to the event You are claiming for unless We provide cover under this insurance. 14. Any claim arising directly or indirectly from financial problems. 15. Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfill any part of their obligation. 16. Any claim arising or resulting from You being involved in any illegal or criminal act. 17. Winter Sports on a Single Trip policy (unless We provide cover as shown on Your Certificate of Insurance). 18. Winter Sports on an Annual Multi Trip policy for more than 17 days per annum. If Your certificate of insurance shows coverage for winter sports between certain dates, then this exclusion does not apply during this period. 19. Any claim arising or resulting from depression, anxiety, mental illness, depressive illness of any type, suicide or attempted suicide or injuring yourself deliberately or putting yourself in danger (unless You are trying to save a human life). 20. Any claim resulting from You being under the influence of or in connection with the use of alcohol or drugs, or You contracting any Sexually Transmitted Diseases, HIV or AIDS. 21. This exclusion applies to sections B,C,D,G,H,I and J - the Insurer’s shall not be liable under this insurance for any claims in any way caused or contributed to by:     a. the failure of, or b. the fear of the failure of, or c. the inability of, any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date. 22. Loss, damage, expense or indemnity incurred as a result of traveling to an area that the Foreign and Commonwealth office have advised against travel, provided that such loss, damage, expense or indemnity is directly or indirectly related to any circumstances that are the reason for the advice. 23. Any loss directly or indirectly resulting from Your participation in manual work. 24. Any claim arising from participation by You or Your traveling companion in any activity that is not an Acceptable Activity. This exclusion does not apply to Winter Sports if You satisfy the requirements of General Exclusions 17 and 18. 25. Any claim arising from participation by You or Your traveling companion in sports activities in a professional capacity or racing (other than on foot). This exclusion applies to any Acceptable Activity or Winter Sports which but for this exclusion would be covered. 26. Claims directly or indirectly arising from:     a. pregnancy or childbirth involving You or any other person if You are aware of the pregnancy prior to the date of issue of the policy and,     i. where complications of this pregnancy or any previous pregnancy have occurred prior to this date; or ii. where the conception has been medically assisted. This exclusion will be waived from the time the appropriate additional premium has been received by Us if cover is separately applied for and accepted by Us in respect of Your pregnancy only; or b. pregnancy involving You or any other person after the 26th week of pregnancy; or c. pregnancy involving You or any other person where the problem arising is not an unexpected serious medical complication; or d. childbirth or the health of a newborn child whatever the proximate cause of the claim is. This exclusion applies irrespective of the stage of pregnancy at which the child is born. 27. Any claim against section N, O or P if at the time the event occured You were not covered for Winter Sports due to General Exclusion 17 or 18 We will not cover the following (applying to sections A and B) 1. Any treatment or surgery which the emergency assistance service thinks is not immediately necessary and can wait until You return home. 2. Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which You are claiming for. 3. The extra cost of single or private-room accommodation unless it is medically necessary. 4. Any treatment or medication of any kind that You receive after You return to the United Kingdom or Channel Islands. 5. Any claim arising for costs You run up, if You are travelling to Australia or New Zealand and You do not register for treatment under the national Medicare scheme of those countries if You become ill or injured. 6. Any extra costs after the time when, in Our medical advisor’s opinion, You are fit to be returned to the United Kingdom or Channel Islands. 7. Any claim or additional expense arising from medication or drugs You knew You would need prior to You undertaking Your trip. 8. Any additional costs or expenses to return or repatriate You to the United Kingdom if You did not have a return ticket or if You had a one way ticket to a nearer destination. For further information refer to the Policy Wording.

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