Pregnancy-related conditions
The policy does not offer coverage for any pregnancy-related condition that results from or is a complication of pregnancy, childbirth, miscarriage (except miscarriage due to accidental injury).
Pre-existing illnesses
You won’t be covered for any pre-existing medical conditions which you have been diagnosed, treated, and knew about before the effective date of the policy.
Terrorism
In the event of a claim arising directly from an act of terrorism, the policy covers you whilst you are on a journey. Coverage applies to all benefits other than journey cancellation, provided that it does not involve the use of biological agents, chemical agents or nuclear devices.
Adventurous activities
- You are covered for activities that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which are provided by a recognised local tour operator are covered. You should be acting under the guidance and supervision of qualified guides and/or instructors of the tour operators when carrying out such tourist activities
- The policy does not cover any sports or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialised gear or stunts) including but not limited to big wave surfing, canoeing down rapids, cliff jumping, horse jumping, ultra-marathons, biathlons, triathlons and stunt riding
COVID-19
You will enjoy COVID-19 benefits if your policy was purchased on or after 9 November 2021