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GENERAL EXCLUSIONS

This section describes the general exclusions applicable to all coverages under your policy. A n “exclusion” is
something that is not covered by this insurance policy, and therefore no payment would be available.

This policy does not provide coverage for any loss that results directly or indirectly from any of the following
general exclusions if they affect you, a traveling companion, or a family member:

1. Any loss, condition, or event that was known, foreseeable, intended, or expected when your policy was
purchased. This includes but is not limited to any cause of loss, condition, or event that, on or before the
Policy Purchase Date, was named or otherwise identified by (i) a Coverage Alert posted to
www.allianztravelinsurance.com/coverage-alerts or (ii) the National Oceanic and Atmospheric Administration
(NOAA) or other entity that names or identifies meteorological or geological storms or events;
2. A pre-existing medical condition, except as waived under the Pre-Existing Medical Condition Exclusion Waiver;
3. Normal pregnancy or childbirth, except when and to the extent that normal pregnancy or childbirth is
expressly referenced in and covered under Trip Cancellation Coverage or Trip Interruption Coverage;
4. Fertility treatment or elective abortion;
5. The use or abuse of alcohol or drugs, or any related physical symptoms. T his does not apply to drugs
prescribed by a doctor and used as prescribed;
6. An act committed with the intent to cause loss;
7. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or
commercial vehicle or commercial watercraft;
8. Participating in or training for any professional sporting competition;
9. Participating in or training for any amateur sporting competition while on your trip. This does not include
participating in informal recreational sporting competitions, such as tournaments organized by hotels, resorts,
or cruise lines to entertain their guests;
10. Participating in an extreme, high-risk sport or activity, such as:
a. Skydiving, BASE jumping, hang gliding, or parachuting;
b. Bungee jumping;
c. Caving, rappelling, or spelunking;
d. Skiing or snowboarding outside marked trails or in an area accessed by helicopter;
e. Climbing sports or free climbing;
f. Any high-altitude activity;
g. Personal combat or fighting sports;
h. Racing or practicing to race any motorized vehicle or watercraft;
i. Free diving; or
j. Scuba diving at a depth greater than 60 feet or without a dive master;
11. A criminal act resulting in a conviction, except when you, a traveling companion, or a family member is the
victim of such act;
12. An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced
in and covered under Trip Cancellation Coverage, Trip Interruption Coverage, Travel Delay Coverage, or
Emergency Medical/Dental Coverage;
13. A natural disaster, except when and to the extent that a natural disaster is expressly referenced in and covered
under Trip Cancellation Coverage, Trip Interruption Coverage, or Travel Delay Coverage;
14. Air, water, or other pollution, or the threat of a pollutant release, including thermal, biological, and chemical
pollution or contamination;
15. Nuclear reaction, radiation, or radioactive contamination;
16. War (declared or undeclared) or acts of war;
17. Military duty, except when and to the extent that military duty is expressly referenced in and covered under
Trip Cancellation Coverage or Trip Interruption Coverage;

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