General exclusions

We will not cover the following:

Any claim arising from or resulting from, a trip that you take, if:

the claim relates to a medical condition, injury or symptom of which you are aware or which has required treatment, medical consultation or investigation, affecting you at any time during the twelve months prior to commencement of cover, unless the condition was declared to us and we accepted the condition in writing by the way of a medical reference number please contact Your Insurance/Agent that this Insurance meets Your needs;
you are travelling against medical advice;
you are travelling to receive medical advice or treatment;
you are on a list awaiting hospital treatment;
you have been given a terminal diagnosis; or
your claim relates to pregnancy or childbirth where the pregnancy would have been more than 28 weeks at the beginning of or during the trip or 24 weeks in the case of a multiple pregnancy; unless the pregnancy was confirmed after (i) the date your travel tickets or confirmation of booking were issued or (ii) the commencement of cover.

Any claim arising from or resulting from a medical condition, or illness related to a medical condition that you knew about or should have known about of any person you were depending on for the trip.
Any claim arising from or resulting from any medical condition, injury or symptom for which medical advice or treatment was claimed for under this insurance during or following any previous trip covered by this Certificate.
Any claim arising out of war and any claim arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act where You are actively participating in any, or all, of such acts.
Any claim directly or indirectly caused by, contributed to, resulting from, or arising out of or in connection with any pathogenic or poisonous chemical or biological material, or nuclear explosion, pollution or contamination, regardless of any other cause or event that contributes concurrently or in any sequence thereto.
Loss or damage, directly or indirectly caused by any government, public or local authority legally taking or damaging your property.
Any claim arising from or as a result of civil commotion, strike, lock-out, blockades, riots of any kind, actions of any government of any country or threat of such event.
Loss, or damage to any property, or any loss, expense or liability arising from:

ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.

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 proportion.
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.
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.
Any claim arising from using a two-wheeled motor vehicle exceeding 125 cc, and/or where a crash helmet is not worn, or you do not hold an appropriate United Kingdom license.
Any other loss connected to the event you are claiming for unless we provide cover under this insurance.
Any claim arising directly or indirectly from financial problems.
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.
Any claim arising or resulting from you being involved in any illegal or criminal act.
Racing of any kind (except on foot).
Any claim arising or resulting from canoeing, mountaineering or pot holing or any equipment used for these events.
Any claim arising or resulting from (i) suicide or attempted suicide, or (ii) depression, anxiety, mental strain, psychotic mental illness, depressive illness of any type, or (iii) injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
Any claim resulting from you being under the influence of or in connection with the use of alcohol or drugs not prescribed by a registered qualified medical practitioner. Expenses arising from taking drugs prescribed for the treatment of drug abuse or drug dependency are also not covered.
A trip involving your manual work or hazardous occupation of any kind (unless agreed by us in writing).
Any loss where you are not able to provide claims evidence as requested by us.
For any expenses that you would normally incur regarding your trip.
Any claim arising out of participation in Winter Sports unless this Insurance has been extended and the appropriate premium paid. The Winter Sports Benefits shall not however cover you for any claim arising or resulting from services or inter-services championships, or heats, or officially-organized practice, or training for these events, ski-jumping, ice hockey, luging, or using skeletons, bobsleighs or snow mobiles, or any equipment used for these events.
In respect of Single Trip Travel Insurances only: Any claims if you are aged 80years or older at the commencement of the trip ,unless declared to and agreed by us.
In respect of Multi Trip Travel insurance only: Any claims if you are aged 70 years or older at the commencement of the period of insurance shown in the certificate validations document, unless declared and agreed t by us.
In respect of Long Stay Trip Travel Insurance only: Any claims if you are aged 66 years or older at the commencement of the trip, unless declared to and agreed by us.

Please read the general conditions, general exclusions and Schedule of Benefits.

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