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Domestic Medical Emergency Evacuation Insurance Policy Exclusions

• This insurance does not apply to any Medical Incident or claim when:
• A. the Insured has committed a criminal act;
• B. the Insured 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 Insured is traveling against the advice of a Physician, while waiting for treatment, or is traveling for the purpose of obtaining medical treatment;
• F. the Insured is located outside the United States of America;
• G. arising out of or involving any Medical Incident of which the insured was aware prior to the inception of this policy; or any claim for payment for which the insured 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 insured 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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