Sports & Activities

The policy certificate includes the following language:

We will not pay for any loss under this Policy, arising directly or indirectly out of, or as a result of, or from, or that occur to, or are as a result of the actions of, the Insured or the Insured’s Family Member or Traveling Companion for the following:

e. participation as a professional in athletics while on a Covered Trip;

f. participation in organized amateur or interscholastic athletic or sports competition or related practice events;

g. riding or driving in any motor competition;

h. off-road driving, whether as a driver or as a passenger;

m. operating or learning to operate any aircraft, as pilot or crew;

n. mountain climbing, bungee jumping, snow skiing outside marked trails, skydiving, Parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device, other than on a regularly scheduled airline or air charter company, extreme sports, snowboarding outside marked trails, heliskiing, heli snowboarding, heli-snowmobiling, backcountry skiing, backcountry snowboarding, or backcountry snowmobiling;

o. mountaineering where ropes or guides are commonly used including ascending and descending a mountain requiring specialized equipment, including but not limited to anchors, bolts, carabineers, crampons, lead/toprope anchoring equipment and pick-axes;

p. participating in underwater activities if the depth of the water exceeds 75 feet or more or scuba diving if the depth of the water exceeds 75 feet or more;

SECTION V – GENERAL EXCLUSIONS

Notwithstanding any other term, condition or provision under this Policy, We shall not provide coverage nor will We make any payments or provide any service or benefit to any Insured, beneficiary, or third party who may have any rights under this Policy to the extent that such cover, payment, service, benefit, or any business or activity of the Insured would violate any applicable trade or economic sanctions law or regulation.

We will not pay for any loss under this Policy, arising directly or indirectly out of, or as a result of, or from, or that occur to, or are as a result of the actions of, the Insured or the Insured’s Family Member or Traveling Companion for the following:

e. participation as a professional in athletics while on a Covered Trip;

f. participation in organized amateur or interscholastic athletic or sports competition or related practice events;

g. riding or driving in any motor competition;

h. off-road driving, whether as a driver or as a passenger;

m. operating or learning to operate any aircraft, as pilot or crew;

n. mountain climbing, bungee jumping, snow skiing outside marked trails, skydiving, Parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device, other than on a regularly scheduled airline or air charter company, extreme sports, snowboarding outside marked trails, heliskiing, heli-snowboarding, heli-snowmobiling, backcountry skiing, backcountry snowboarding, or backcountry snowmobiling;

o. mountaineering where ropes or guides are commonly used including ascending and descending a mountain requiring specialized equipment, including but not limited to anchors, bolts, carabineers, crampons, lead/toprope anchoring equipment and pick-axes;

p. participating in underwater activities if the depth of the water exceeds 75 feet or more or scuba diving if the depth of the water exceeds 75 feet or more;

SECTION III – POLICY LIMITATIONS AND EXCLUSIONS

Benefits are not payable for any loss due to, arising or resulting from:

4. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment), rock climbing without equipment, cliff diving, or any activity materially similar to the above;

5. participating as a professional in a stunt, athletic or sporting event or competition;

6. participating in skydiving or parachuting, hang gliding, bungee cord jumping, multi-sport endurance competitions, BASE jumping, free diving, fly by wire, parkour, wingsuit flying, extreme skiing or extreme snowboarding, skiing outside marked trails or heli-skiing or heli-snowboarding, any race or speed contests, bull riding, running of the bulls, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports or any activities materially similar to the above;

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

OPTIONAL SPORTS COVERAGE, AND HAZARDOUS SPORTS UPGRADE
$1,000 per Insured | Hazardous sports will be included under Medical Expense Coverage.

Benefits will be paid up to the Maximum Benefit Amount shown in the Schedule of Benefits under the Emergency Accident Medical Expense coverage, if You become injured while participating in any of the following sports: mountaineering where ropes or guides are normally used (not to exceed a height of 15,000 feet), skydiving or parachuting, hang gliding, bungee jumping, scuba diving, if PADI or NAUI certified, to depths below 130 feet, and spelunking.

SECTION III – POLICY LIMITATIONS AND EXCLUSIONS

Benefits are not payable for any loss due to, arising or resulting from:

4. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment), rock climbing without equipment, cliff diving, or any activity materially similar to the above;

5. participating as a professional in a stunt, athletic or sporting event or competition;

6. participating in skydiving or parachuting, hang gliding, bungee cord jumping, multi-sport endurance competitions, BASE jumping, free diving, fly by wire, parkour, wingsuit flying, extreme skiing or extreme snowboarding, skiing outside marked trails or heli-skiing or heli-snowboarding, any race or speed contests, bull riding, running of the bulls, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports or any activities materially similar to the above;

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

OPTIONAL SPORTS COVERAGE, AND HAZARDOUS SPORTS UPGRADE
$1,000 per Insured | Hazardous sports will be included under Medical Expense Coverage.

Benefits will be paid up to the Maximum Benefit Amount shown in the Schedule of Benefits under the Emergency Accident Medical Expense coverage, if You become injured while participating in any of the following sports: mountaineering where ropes or guides are normally used (not to exceed a height of 15,000 feet), skydiving or parachuting, hang gliding, bungee jumping, scuba diving, if PADI or NAUI certified, to depths below 130 feet, and spelunking.

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Lost Golf Rounds, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Lost Skier Days:

1. Season Passes;

2. Multiple Ski mountains if one of the mountains does not meet the specifications stated in the Lost Skier Days benefit .

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; parkour;

2. Mountain climbing over fifteen thousand (15,000) feet that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities such as scuba diving (if depth exceeds forty (40) meters or one hundred thirty-one (131) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in extreme activities or dangerous activities, except as a spectator.

Adventure activities means leisure and non-professional sports activities in:
a) Snow skiing or snowboarding, except extreme skiing or extreme snowboarding;
b) Mountain biking or mountain cycling;
c) Mountain climbing below three thousand (3,000) meters;
d) Ice Fishing;
e) Scuba diving for qualified divers up to a maximum depth of forty (40) meters or one hundred thirty(130) feet and for unqualified divers up to a maximum depth of twelve (12) meters or forty (40) feet;
f) White or black water rafting (Grades one (1) – two (2));
g) Water skiing;
h) Kite surfing and wind surfing;
i) Surfing;
j) Hunting/Shooting;
k) Sailing;
l) Snowmobiling;
m) Tobogganing or sledding;
n) Riding upon, or rental of, electric or gasoline-powered scooters, bicycles, mopeds, Segways or other motorized two-wheeled conveyances; oro. Any activity materially similar to the above

Dangerous activities means:
a) Air travel on a not-for-hire aircraft (whether as a pilot, crewmember or a passenger);
b) Bull riding;
c) Running of the bulls;
d) Free diving;
e) Rock climbing without equipment;
f) Operating or learning to operate any aircraft, as student, pilot, or crew;
g) Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
h) BASE jumping;
i) Wingsuit flying;
j) Participation in bodily contact sports such as boxing and full-contact martial arts;
k) Riding, training or driving in races, or speed or endurance competitions or events;
l) Bridge swinging; or
m) Any activity materially similar to the above

Extreme Activities means:
a) Cliff diving, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
b) Fly-by-wire, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
c) Hang gliding, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
d) Heli-skiing, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
e) Heli-snowboarding, only when performed under the supervision or guidance of a qualified outfitter,guide or tour operator;
f) Mountain climbing (over three thousand (3,000) meters) up to a maximum of six thousand (6,000) meters, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
g) Parkour, only when performed under the supervision or guidance of a qualified outfitter, guide ort our operator;
h) Participation in professional athletic events;
i) Sky diving or parachuting, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
j) Bungee cord jumping, only when performed under the supervision or guidance of a qualified outfitter,guide or tour operator;
k) Spelunking or cave exploring, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
l) Extreme skiing, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
m) Extreme snowboarding, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
n) Riding upon, or rental of, electric or gasoline-powered scooters, bicycles, mopeds, Segways or other motorized two-wheeled conveyances;
o) White or black water rafting (Grades three (3) – four (4)), only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator; or
p) any activity materially similar to the above

Winter activities means:
a) Skiing or snowboarding, except extreme skiing and extreme snowboarding;
b) Glacier walking, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
c) Dog sled rides, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
d) Ice climbing, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
e) Ice curling;
f) Ice diving, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;
g) Ice hockey;
h) Ice skating;
i) Sledding;
j) Speed skating;
k)Tobogganing; or
l) Any activity materially similar to those activities described herein.

Extreme skiing means snow skiing that includes such activities as freestyle skiing, skiing in the backcountry on unmarked or unpatrolled areas either inside or outside a ski resort’s boundaries, or skiing on slopes with an angle of descent of 45 degrees or more, or any activity materially similar to the above.

Extreme snowboarding means engaging in activities beyond general alpine snowboarding, such as jibbing,freeriding, freestyle, half-pipe, slopestyle, or any activity materially similar to the above.

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motorsport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick‐ axes, anchors, bolts, crampons, carabineers, and lead or top‐rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air‐supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;
b) Motor sport, or motor racing, including training or practice for the same;
c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;
d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.
e) Operating or learning to operate any aircraft, as student, pilot, or crew;
f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports, skydiving, mountaineering where ropes or guides are normally used, hang gliding, parachuting, any race by horse, motor vehicle or motorcycle, bungee cord jumping, scuba diving, spelunking, caving or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

NOTICE OF SPORTS COVERAGE – EXTREME SPORTS BENEFITS

If You suffer a Loss due to an Accidental Injury while participating in Extreme Sports as defined, such activities will not be excluded under LIMITATIONS AND EXCLUSIONS, and You have access to benefits outlined in this Policy up to the Maximum Benefit subject to any applicable sub-limit shown on the Schedule of Benefits for Extreme Sports.

LIMITATIONS AND EXCLUSIONS:
The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:
Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. participation in Mountaineering;

NOTICE OF SPORTS COVERAGE – EXTREME SPORTS BENEFITS

If You suffer a Loss due to an Accidental Injury while participating in Extreme Sports as defined, such activities will not be excluded under LIMITATIONS AND EXCLUSIONS, and You have access to benefits outlined in this Policy up to the Maximum Benefit subject to any applicable sub-limit shown on the Schedule of Benefits for Extreme Sports.

LIMITATIONS AND EXCLUSIONS:
The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:
Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. participation in Mountaineering;

Mountaineering means the sport, hobby or profession of walking, hiking, climbing and Rock Climbing up mountains that involves ascending beyond an altitude of four thousand five hundred (4,500) meters.

The policy certificate includes the following language:

The Plan does not provide benefits for:

52. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. SCUBA diving in excess of 20 meters in depth;
h. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

53. Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers.

The policy certificate includes the following language:

The Plan does not provide benefits for:

52. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. SCUBA diving in excess of 20 meters in depth;
h. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

53. Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers.

The policy certificate includes the following language:

The Plan does not provide benefits for:

54. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. SCUBA diving in excess of 20 meters in depth;
h. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

55. Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers.

The policy certificate includes the following language:

The Plan does not provide benefits for:

54. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. SCUBA diving in excess of 20 meters in depth;
h. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

55. Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers

The policy certificate includes the following language:

The Plan Document does not cover any loss resulting from any of the following unless otherwise covered under the Plan Document by Additional Benefits:

37) Travel in or upon

a) A snowmobile;
b) A water jet ski;
c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel;
d) Any off-road motorized vehicle not requiring licensing as a motor vehicle;

when used for recreation or competition. Unless the Hazardous Activity Benefit is purchased.

38) Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, water skiing; snow skiing; spelunking; parasailing; white water rafting; surfing, unless part of a school credit course; and snowboarding.

Unless the Hazardous Activity Benefit is purchased.

39) Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, sports contest or competition. Unless Athletic Sports Rider is purchased.

40) Practice or play in any professional or semiprofessional sports contest or competition;

46) Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:

a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or

b) While being used for any test or experimental purpose; or

c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or

d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Plan Participant or any member of his household.

e) A space craft or any craft designed for navigation above or beyond the earth’s atmosphere; or

f) An ultra light, hang-gliding, parachuting or bungi-cord jumping; Unless the Hazardous Activity Benefit is purchased.

Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes.

Athletic Sports & Hazardous Activity Rider (If Benefit is Purchased)

Athletic Sports & Hazardous Activity Rider – provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.

NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Table 1: For the below listed Hazardous Activities under this rider, the Medical Expense Benefit is for any Covered Injury or Illness resulting from:

Low Option:

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

Middle Option:

Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

Table 2: For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports. Under this rider, the Medical Expense Benefit is reduced to $20,000 for any Covered Injury or Illness resulting from:

Low Option: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.

Middle Option: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.

High Option: Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

The policy certificate includes the following language:

The following exclusions apply to: Trip Interruption, Trip Delay, Accidental Death & Dismemberment and Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. Participation in Bodily Contact Sports, Extreme Sports;

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports;

5. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any motorized race; bungee cord jumping; any motorized speed contest (speed contest shall not include any of the regatta races); spelunking or caving; heliskiing; extreme skiing; Extreme Sports

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Pet Medical Expense, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

ADVENTURE SPORTS BENEFITS

If You suffer a Loss due to an Accidental Injury while participating in Adventure Sports as defined, such activities will not be excluded under LIMITATIONS AND EXCLUSIONS, and You have access to benefits outlined in this Policy up to the Maximum Benefit subject to any applicable sub-limit shown on the Schedule of Benefits for Adventure Sports.

The policy certificate includes the following language:

The following exclusions apply to: Trip Interruption, Trip Delay, Accidental Death & Dismemberment and Accident and Sickness Medical Expense:

Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

6. participation as an athlete in professional sports;

9. Participation in Bodily Contact Sports, Extreme Sports;

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports;

5. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any motorized race; bungee cord jumping; any motorized speed contest (speed contest shall not include any of the regatta races); spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Adventure Sports, Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Adventure Sports, Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

The policy certificate includes the following language:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

The policy certificate includes the following language:

FF. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(22) any Illness or Injury sustained while taking part in, practicing or training for: Amateur Athletics; Professional Athletics; or athletic activities that are sponsored by any Governing Body or Authority, including but not limited to the National Collegiate Athletic Association, any other collegiate sanctioning or Governing Body or the International Olympic Committee

(23) any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

(24) any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; big game hunting; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; free diving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering or trekking above elevation of 4500 meters; parkour; piloting a commercial or non-commercial aircraft; powerbocking; scuba diving or sub aqua pursuits below a depth of 40 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wing suit flying

(25) any Illness or Injury sustained while taking part in snow skiing, snowboarding or snowmobiling where the Insured Person is in violation of applicable laws, rules or regulations of a ski resort, out of bounds or in unmarked or unpatrolled areas

(26) any Illness or Injury sustained while taking part in backcountry skiing

(27) any Illness or Injury sustained while taking part in skiing off-piste

(28) any Illness or Injury sustained while taking part in Collision Sports

(29) any Illness or Injury sustained while taking part in athletic or recreational activities where the Insured Person is not physically or medically fit or does not hold the necessary qualifications to engage in said activities

(30) any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations and procedures of a recognized Governing Body for the sport or activity

Optional Adventure Sports Rider

Attaching to and forming part of the Certificate of Insurance shown in the Declaration and Master Policy, in consideration of additional Premium, and subject to all other Terms of this insurance. All Insured Persons who have elected the Adventure Sports Rider, will be entitled to the amended benefits listed below.

The following benefit is added to the BENEFIT SUMMARY:

Adventure Sports

-Through age 49: $50,000 Maximum Limit
-Ages 50 through age 59: $30,000 Maximum Limit
-Ages 60 through age 64: $15,000 Maximum Limit

The following provisions are added to the Certificate of Insurance:

ELIGIBILITY:

If the Insured Person meets the eligibility requirements set forth in the Certificate of Insurance, they are eligible for the coverage included in this Rider.

ADVENTURE SPORTS:

(1) Subject to the Terms of the insurance plan and the Conditions and Restrictions set forth below, the Company will reimburse the Insured Person up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred by the Insured Person with respect to an Illness or Injury suffered or sustained by the Insured Person while this insurance is in effect and for which coverage and/or benefits is (are) otherwise available hereunder, and while engaged in Adventure Sports, as defined herein; and provided the same are carried out in strict accordance with the guidelines, codes of good practice, and recommendations for safe practices as prescribed by a Governing Body or Authority.

(2) CONDITIONS AND RESTRICTIONS: In addition to the Terms of the insurance plan, this insurance does not cover any Charges, costs, expenses and/or claims incurred by the Insured Person relating to, arising from, as a consequence of, or in connection with, directly or indirectly, any of the following acts, omissions, events, occurrences or conditions:

a) willfully self-inflicted Injury or Illness, the effects of alcohol or drugs (other than as prescribed by a licensed Physician in full awareness of the Insured Person’s activities) and any self-exposure to needless peril (unless in an attempt to save human life)

b) any condition for which the Insured Person was undergoing, recovering from or awaiting Treatment immediately prior to the Adventure Sports activities.

It is a condition precedent to the Company’s liability under this insurance that any prospective participant applying for coverage under this insurance is medically and physically fit to participate in an Adventure Sport.

If in any doubt, the Insured Person should refrain from participating in any Adventure Sport until medical advice and approval has been obtained from a qualified Physician. No coverage will be provided for Insured Persons who are not physically and medically fit or who do not hold the necessary qualifications to engage in these activities.

The following exclusion is deleted in its entirety from the EXCLUSIONS provision:

any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

The policy certificate includes the following language:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

The policy certificate includes the following language:

FF. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(22) any Illness or Injury sustained while taking part in, practicing or training for: Amateur Athletics; Professional Athletics; or athletic activities that are sponsored by any Governing Body or Authority, including but not limited to the National Collegiate Athletic Association, any other collegiate sanctioning or Governing Body or the International Olympic Committee

(23) any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

(24) any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; big game hunting; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; free diving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering or trekking above elevation of 4500 meters; parkour; piloting a commercial or non-commercial aircraft; power bocking; scuba diving or sub aqua pursuits below a depth of 40 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wing suit flying

(25) any Illness or Injury sustained while taking part in snow skiing, snowboarding or snowmobiling where the Insured Person is in violation of applicable laws, rules or regulations of a ski resort, out of bounds or in unmarked or unpatrolled areas

(26) any Illness or Injury sustained while taking part in backcountry skiing

(27) any Illness or Injury sustained while taking part in skiing off-piste

(28) any Illness or Injury sustained while taking part in Collision Sports

(29) any Illness or Injury sustained while taking part in athletic or recreational activities where the Insured Person is not physically or medically fit or does not hold the necessary qualifications to engage in said activities

(30) any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations and procedures of a recognized Governing Body for the sport or activity

Optional Adventure Sports Rider

Attaching to and forming part of the Certificate of Insurance shown in the Declaration and Master Policy, in consideration of additional Premium, and subject to all other Terms of this insurance. All Insured Persons who have elected the Adventure Sports Rider, will be entitled to the amended benefits listed below.

The following benefit is added to the BENEFIT SUMMARY:

Adventure Sports

-Through age 49: $50,000 Maximum Limit
-Ages 50 through age 59: $30,000 Maximum Limit
-Ages 60 through age 64: $15,000 Maximum Limit

The following provisions are added to the Certificate of Insurance:

ELIGIBILITY:

If the Insured Person meets the eligibility requirements set forth in the Certificate of Insurance, they are eligible for the coverage included in this Rider.

ADVENTURE SPORTS:

(1) Subject to the Terms of the insurance plan and the Conditions and Restrictions set forth below, the Company will reimburse the Insured Person up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred by the Insured Person with respect to an Illness or Injury suffered or sustained by the Insured Person while this insurance is in effect and for which coverage and/or benefits is (are) otherwise available hereunder, and while engaged in Adventure Sports, as defined herein; and provided the same are carried out in strict accordance with the guidelines, codes of good practice, and recommendations for safe practices as prescribed by a Governing Body or Authority.

(2) CONDITIONS AND RESTRICTIONS: In addition to the Terms of the insurance plan, this insurance does not cover any Charges, costs, expenses and/or claims incurred by the Insured Person relating to, arising from, as a consequence of, or in connection with, directly or indirectly, any of the following acts, omissions, events, occurrences or conditions:

a) willfully self-inflicted Injury or Illness, the effects of alcohol or drugs (other than as prescribed by a licensed Physician in full awareness of the Insured Person’s activities) and any self-exposure to needless peril (unless in an attempt to save human life)

b) any condition for which the Insured Person was undergoing, recovering from or awaiting Treatment immediately prior to the Adventure Sports activities.

It is a condition precedent to the Company’s liability under this insurance that any prospective participant applying for coverage under this insurance is medically and physically fit to participate in an Adventure Sport.

If in any doubt, the Insured Person should refrain from participating in any Adventure Sport until medical advice and approval has been obtained from a qualified Physician. No coverage will be provided for Insured Persons who are not physically and medically fit or who do not hold the necessary qualifications to engage in these activities.

The following exclusion is deleted in its entirety from the EXCLUSIONS provision:

any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

The policy certificate includes the following language:

CC. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(22) any Illness or Injury sustained while taking part in, practicing or training for: Amateur Athletics; Professional Athletics; or athletic activities that are sponsored by any Governing Body or Authority, including but not limited to the National Collegiate Athletic Association, any other collegiate sanctioning or Governing Body or the International Olympic Committee

(23) any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

(24) any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; big game hunting; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; free diving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering or trekking above elevation of 4500 meters; parkour; piloting a commercial or non-commercial aircraft; power bocking; scuba diving or sub aqua pursuits below a depth of 40 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wing suit flying

(25) any Illness or Injury sustained while taking part in snow skiing, snowboarding or snowmobiling where the Insured Person is in violation of applicable laws, rules or regulations of a ski resort, out of bounds or in unmarked or unpatrolled areas

(26) any Illness or Injury sustained while taking part in backcountry skiing

(27) any Illness or Injury sustained while taking part in skiing off-piste

(28) any Illness or Injury sustained while taking part in Collision Sports

(29) any Illness or Injury sustained while taking part in athletic or recreational activities where the Insured Person is not physically or medically fit or does not hold the necessary qualifications to engage in said activities

(30) any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations and procedures of a recognized Governing Body for the sport or activity

Optional Adventure Sports Rider

Attaching to and forming part of the Certificate of Insurance shown in the Declaration and Master Policy, in consideration of additional Premium, and subject to all other Terms of this insurance. All Insured Persons who have elected the Adventure Sports Rider, will be entitled to the amended benefits listed below.

The following benefit is added to the BENEFIT SUMMARY:

Adventure Sports

-Through age 49: $50,000 Maximum Limit
-Ages 50 through age 59: $30,000 Maximum Limit
-Ages 60 through age 64: $15,000 Maximum Limit

The following provisions are added to the Certificate of Insurance:

ELIGIBILITY:

If the Insured Person meets the eligibility requirements set forth in the Certificate of Insurance, they are eligible for the coverage included in this Rider.

ADVENTURE SPORTS:

(1) Subject to the Terms of the insurance plan and the Conditions and Restrictions set forth below, the Company will reimburse the Insured Person up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred by the Insured Person with respect to an Illness or Injury suffered or sustained by the Insured Person while this insurance is in effect and for which coverage and/or benefits is (are) otherwise available hereunder, and while engaged in Adventure Sports, as defined herein; and provided the same are carried out in strict accordance with the guidelines, codes of good practice, and recommendations for safe practices as prescribed by a Governing Body or Authority.

(2) CONDITIONS AND RESTRICTIONS: In addition to the Terms of the insurance plan, this insurance does not cover any Charges, costs, expenses and/or claims incurred by the Insured Person relating to, arising from, as a consequence of, or in connection with, directly or indirectly, any of the following acts, omissions, events, occurrences or conditions:

a) willfully self-inflicted Injury or Illness, the effects of alcohol or drugs (other than as prescribed by a licensed Physician in full awareness of the Insured Person’s activities) and any self-exposure to needless peril (unless in an attempt to save human life)

b) any condition for which the Insured Person was undergoing, recovering from or awaiting Treatment immediately prior to the Adventure Sports activities.

It is a condition precedent to the Company’s liability under this insurance that any prospective participant applying for coverage under this insurance is medically and physically fit to participate in an Adventure Sport.

If in any doubt, the Insured Person should refrain from participating in any Adventure Sport until medical advice and approval has been obtained from a qualified Physician. No coverage will be provided for Insured Persons who are not physically and medically fit or who do not hold the necessary qualifications to engage in these activities.

The following exclusion is deleted in its entirety from the EXCLUSIONS provision:

any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

The policy certificate includes the following language:

FF. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(22) any Illness or Injury sustained while taking part in, practicing or training for: Amateur Athletics; Professional Athletics; or athletic activities that are sponsored by any Governing Body or Authority, including but not limited to the National Collegiate Athletic Association, any other collegiate sanctioning or Governing Body or the International Olympic Committee

(23) any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

(24) any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; big game hunting; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; free diving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering or trekking above elevation of 4500 meters; parkour; piloting a commercial or non-commercial aircraft; power bocking; scuba diving or sub aqua pursuits below a depth of 40 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wing suit flying

(25) any Illness or Injury sustained while taking part in snow skiing, snowboarding or snowmobiling where the Insured Person is in violation of applicable laws, rules or regulations of a ski resort, out of bounds or in unmarked or unpatrolled areas

(26) any Illness or Injury sustained while taking part in backcountry skiing

(27) any Illness or Injury sustained while taking part in skiing off-piste

(28) any Illness or Injury sustained while taking part in Collision Sports

(29) any Illness or Injury sustained while taking part in athletic or recreational activities where the Insured Person is not physically or medically fit or does not hold the necessary qualifications to engage in said activities

(30) any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules,
recommendations and procedures of a recognized Governing Body for the sport or activity

Optional Adventure Sports Rider

Attaching to and forming part of the Certificate of Insurance shown in the Declaration and Master Policy, in consideration of additional Premium, and subject to all other Terms of this insurance. All Insured Persons who have elected the Adventure Sports Rider, will be entitled to the amended benefits listed below.

The following benefit is added to the BENEFIT SUMMARY:

Adventure Sports

-Through age 49: $50,000 Maximum Limit
-Ages 50 through age 59: $30,000 Maximum Limit
-Ages 60 through age 64: $15,000 Maximum Limit

The following provisions are added to the Certificate of Insurance:

ELIGIBILITY:

If the Insured Person meets the eligibility requirements set forth in the Certificate of Insurance, they are eligible for the coverage included in this Rider.

ADVENTURE SPORTS:

(1) Subject to the Terms of the insurance plan and the Conditions and Restrictions set forth below, the Company will reimburse the Insured Person up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred by the Insured Person with respect to an Illness or Injury suffered or sustained by the Insured Person while this insurance is in effect and for which coverage and/or benefits is (are) otherwise available hereunder, and while engaged in Adventure Sports, as defined herein; and provided the same are carried out in strict accordance with the guidelines, codes of good practice, and recommendations for safe practices as prescribed by a Governing Body or Authority.

(2) CONDITIONS AND RESTRICTIONS: In addition to the Terms of the insurance plan, this insurance does not cover any Charges, costs, expenses and/or claims incurred by the Insured Person relating to, arising from, as a consequence of, or in connection with, directly or indirectly, any of the following acts, omissions, events, occurrences or conditions:

a) willfully self-inflicted Injury or Illness, the effects of alcohol or drugs (other than as prescribed by a licensed Physician in full awareness of the Insured Person’s activities) and any self-exposure to needless peril (unless in an attempt to save human life)

b) any condition for which the Insured Person was undergoing, recovering from or awaiting Treatment immediately prior to the Adventure Sports activities.

It is a condition precedent to the Company’s liability under this insurance that any prospective participant applying for coverage under this insurance is medically and physically fit to participate in an Adventure Sport.

If in any doubt, the Insured Person should refrain from participating in any Adventure Sport until medical advice and approval has been obtained from a qualified Physician. No coverage will be provided for Insured Persons who are not physically and medically fit or who do not hold the necessary qualifications to engage in these activities.

The following exclusion is deleted in its entirety from the EXCLUSIONS provision:

any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

The policy certificate includes the following language:

FF. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(22) any Illness or Injury sustained while taking part in, practicing or training for: Amateur Athletics; Professional Athletics; or athletic activities that are sponsored by any Governing Body or Authority, including but not limited to the National Collegiate Athletic Association, any other collegiate sanctioning or Governing Body or the International Olympic Committee

(23) any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

(24) any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; big game hunting; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; free diving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering or trekking above elevation of 4500 meters; parkour; piloting a commercial or non-commercial aircraft; powerbocking; scuba diving or sub aqua pursuits below a depth of 40 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wing suit flying

(25) any Illness or Injury sustained while taking part in snow skiing, snowboarding or snowmobiling where the Insured Person is in violation of applicable laws, rules or regulations of a ski resort, out of bounds or in unmarked or unpatrolled areas

(26) any Illness or Injury sustained while taking part in backcountry skiing

(27) any Illness or Injury sustained while taking part in skiing off-piste

(28) any Illness or Injury sustained while taking part in Collision Sports

(29) any Illness or Injury sustained while taking part in athletic or recreational activities where the Insured Person is not physically or medically fit or does not hold the necessary qualifications to engage in said activities

(30) any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules,
recommendations and procedures of a recognized Governing Body for the sport or activity

Optional Adventure Sports Rider

Attaching to and forming part of the Certificate of Insurance shown in the Declaration and Master Policy, in consideration of additional Premium, and subject to all other Terms of this insurance. All Insured Persons who have elected the Adventure Sports Rider, will be entitled to the amended benefits listed below.

The following benefit is added to the BENEFIT SUMMARY:

Adventure Sports

-Through age 49: $50,000 Maximum Limit
-Ages 50 through age 59: $30,000 Maximum Limit
-Ages 60 through age 64: $15,000 Maximum Limit

The following provisions are added to the Certificate of Insurance:

ELIGIBILITY:

If the Insured Person meets the eligibility requirements set forth in the Certificate of Insurance, they are eligible for the coverage included in this Rider.

ADVENTURE SPORTS:

(1) Subject to the Terms of the insurance plan and the Conditions and Restrictions set forth below, the Company will reimburse the Insured Person up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred by the Insured Person with respect to an Illness or Injury suffered or sustained by the Insured Person while this insurance is in effect and for which coverage and/or benefits is (are) otherwise available hereunder, and while engaged in Adventure Sports, as defined herein; and provided the same are carried out in strict accordance with the guidelines, codes of good practice, and recommendations for safe practices as prescribed by a Governing Body or Authority.

(2) CONDITIONS AND RESTRICTIONS: In addition to the Terms of the insurance plan, this insurance does not cover any Charges, costs, expenses and/or claims incurred by the Insured Person relating to, arising from, as a consequence of, or in connection with, directly or indirectly, any of the following acts, omissions, events, occurrences or conditions:

a) willfully self-inflicted Injury or Illness, the effects of alcohol or drugs (other than as prescribed by a licensed Physician in full awareness of the Insured Person’s activities) and any self-exposure to needless peril (unless in an attempt to save human life)

b) any condition for which the Insured Person was undergoing, recovering from or awaiting Treatment immediately prior to the Adventure Sports activities.

It is a condition precedent to the Company’s liability under this insurance that any prospective participant applying for coverage under this insurance is medically and physically fit to participate in an Adventure Sport.

If in any doubt, the Insured Person should refrain from participating in any Adventure Sport until medical advice and approval has been obtained from a qualified Physician. No coverage will be provided for Insured Persons who are not physically and medically fit or who do not hold the necessary qualifications to engage in these activities.

The following exclusion is deleted in its entirety from the EXCLUSIONS provision:

any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; and windsurfing

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident
and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Please call us to review limitations and exclusions that may apply to your trip and activities.

Please call us to review limitations and exclusions that may apply to your trip and activities.

Please call us to review limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Optional Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

Unless otherwise specifically provided for therein, the coverage provided under Sections 3.2 through 3.7, 4.1, 4.2, 5.1 through 5.7, 5.9, 6.2, 6.3, 6.4, and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

b. Aircraft Pilot or Crew Exclusion: You are not covered for Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft.

c. Airworthy Exclusion: You are not covered for Injury sustained while You are riding as a passenger in any aircraft which:
i. Does not have a current and valid Airworthy Certificate; or
ii. Not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft.

d. Athletics Exclusion: You are not covered for Athletics.

f. Competition Exclusion: You are not covered for Injury while participating in contests of speed or riding or driving in any type of competition.

m. Extreme Activities Exclusion: You are not covered for Extreme Activities.

oo. Specialty Aircraft Exclusion: You are not covered for Injury while flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, professional aerial photography, banner towing, or any experimental purpose.

Athletics: Sports, games, practices, training camps, or any related activity engaged in by athletes which meets one or more of the following criteria:

a. It is sanctioned or sponsored by the International Olympic Committee, the National Collegiate Athletic Association, or a similar organization;
b. It is performed for a wage, profit, reward, or potential prize;
c. There is a fee associated with participation;
d. There are regular or scheduled practices, games, or competitions; or
e. It is organized or sanctioned by a school or club at any level.

Traditional foot races up to 10K, recreational activities, pick-up games, and activities undertaken for individual fitness are not Athletics.

Extreme Activities: Any activity undertaken:

a. Which exposes You to an abnormal or extreme risk for Injury;
b. Is undertaken against the advice, direction, or recommendation of any local authority, qualified instructor, or recognized governing body; or
c. In disregard of the recommendations, Treatment programs, or medical advice of a Physician or other health care provider.

This includes, but is not limited to: Abseiling; American football; aviation except when travelling solely as a passenger in a commercial aircraft; BMX; BASE jumping; bobsledding; boxing; bungee jumping; canyoning; caving; fighting sports; free diving; hang gliding; heli-skiing; high diving; hot air ballooning; hunting; inline skating; jet skiing; kayaking; kiteboarding; luge; martial arts; motocross (MOTO-X); motorcycle or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); mountain biking; Mountaineering; Offshore Boating; Parachuting; paragliding; parasailing; parascending; polo; racing by any animal, motor vehicle, motorcycle, or conveyance of any kind; rappelling; rock climbing; rodeo activity; running in a foot race above 10K in length; scuba diving; ski jumping; Sky Diving; snow skiing and snowboarding except for recreational downhill and/or cross country snow skiing or snowboarding on prepared and marked inbound territories; snowmobiling; spelunking; surfing; wakeboard riding; water skiing; whitewater rafting; wildlife safaris or game drives; windsurfing; zip lining; any attempt to make or set sporting records; and any practice or training in preparation for any excluded activity.

Micromobility Vehicle(s): A mode of transportation using lightweight electric vehicles that are borrowed or rented for short-term use, exclusive to the following list: electric bicycle, electric standing scooter, electric seated scooter other than a mobility aid, electric self-balancing or hover board, electric skateboard, electric segway, or powered skates.

Mountaineering: Sport, hobby, or profession of Trekking or climbing mountains (i) utilizing harnesses, ropes, crampons, or ice axes; (ii) bouldering; or (iii) ascending 4,500 meters or above. Indoor rock climbing and bouldering, hiking, and walking are not considered Mountaineering.

Offshore Boating: Boating on a water vessel more than twenty-five (25) miles from land, regardless of the type of boat. The Insured Person will likely not be able to see land for most of their Trip. An excursion that starts from land and reaches more than twenty-five (25) miles offshore will be considered Offshore Boating for the duration of the excursion, not just while the boat is more than twenty-five (25) miles offshore. Offshore Boating may be determined based on the vessel’s classification for use. This definition does not apply to commercial cruise ships.

Parachuting: The sport or activity of jumping from an aircraft and immediately deploying a parachute.

Sky Diving: The sport or activity of jumping from an aircraft and typically executing a prolonged free fall before deploying a parachute.

Trekking: Sport, hobby, or profession of traveling by foot through rough terrain to or from a specific location, frequently undertaken over the course of several days and requiring more preparation than hiking.

Section 7. Optional Coverages 7.1 Adventure Activities

If You elect and pay the required premium for this optional Insurance, the “Extreme Activities” definition does not apply to the activities listed below. The Company will reimburse You for Covered Expenses up to the amount in the Schedule of Benefits resulting from an Injury sustained while participating in any of the following activities:

Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, Micromobility Vehicle, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.

You must follow all applicable laws, safety regulations provided by the tour operator, park, or preserve, and all guide instructions for safari coverage to apply.

The Deductible, Copay and Coinsurance in Section 3.1 apply to this coverage and will be Your responsibility.

The exclusions in Section 8 apply to coverage provided under this section.

The policy certificate includes the following language:

Personal Liability Exclusions. You shall have no benefits or coverages for and the Company shall have no liability or obligation of any kind to pay or reimburse You or any third person or Relative for, any changes, fees (including attorneys’ fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any third person or Relative, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this Insurance and all of which the Company will provide no benefits or coverages for and shall have no liability or obligation for same, and the Company will not pay or reimburse You or any third person or Relative for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:

a) Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting;

c) Any loss, damage, or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons, or hazardous implements;

f) Ownership, possession, control, or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider, or any other motorized, gravity-induced, or selfpropelled vehicle or craft of any kind;

v) Athletics;

w) Extreme Activities;

x) Occurring when You are a passenger in an aircraft other than a commercial aircraft;

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2,3.3, 3.6, 3.7, 4.1, 4.2, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

(bb) Adventure Activities unless You purchase optional Adventure Activities coverage, and then only for the activities specified in Section 7.1;

(cc) Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;

(oo) Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;

(pp) Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;

(rr) Participating in contests of speed or riding or driving in any type of competition.

Section 7. Optional Coverages 7.1 Adventure Activities

If You elect and pay the required premium for this optional Insurance, the “Extreme Activities” definition does not apply to the activities listed below. The Company will reimburse You for Covered Expenses up to the amount in the Schedule of Benefits resulting from an Injury sustained while participating in any of the following activities:

Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding whitewater; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micro mobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, Micro mobility Vehicle, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.

You must follow all applicable laws, safety regulations provided by the tour operator, park, or preserve, and all guide instructions for safari coverage to apply.

The Deductible, Copay and Coinsurance in Section 3.1 apply to this coverage and will be Your responsibility.The exclusions in Section 8 apply to coverage provided under this section.

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick- axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick- axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

GENERAL EXCLUSIONS
This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Sports & Activities Covered – Limitations apply.

Sports & Activities Covered – Limitations apply.

The policy certificate includes the following language:

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, and family member. This policy does not cover any loss for, caused by or resulting from:

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities, or dangerous activities, except as a spectator;

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

The policy certificate includes the following language:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner and service animal. This policy does not cover any loss for, caused by or resulting from:

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities, or dangerous activities, except as a spectator;

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

The policy certificate includes the following language:

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.

We will not pay for Loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

11. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in bodily contact sports, skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

The following exclusions apply to the Medical Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

6. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

7. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

The following exclusions apply to the Medical Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

6. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

7. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

7. piloting or learning to pilot or acting as a member of the crew of any aircraft ;

SECTION IX EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, or Family Member scheduled and booked to travel with You.

The following exclusions apply to the Medical Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

6. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

7. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

GENERAL EXCLUSIONS

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

Adventure Sports Coverage – Provides coverage for many sports activities which would otherwise be excluded under this plan.

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

c) the following activities are excluded unless the Adventure Sports coverage has been elected and consideration of premium has been paid:

(1) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

(2) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

(3) operating or learning to operate any aircraft, as student, pilot, or crew;

(4) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

SECTION IV EXCLUSIONS AND LIMITATIONS

GENERAL EXCLUSIONS

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Adventure Sports Exclusion Waiver Upgrade – This endorsement applies only if the Insured has elected this coverage and premium has been paid.

The Company will waive the Adventure Sports exclusion found in Section IV Exclusions and Limitations.

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming)

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Optional Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming)

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Adventure Sports, Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

The policy certificate includes the following language:

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, or Immediate Family Member.

We will not pay for Loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

11. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, or Immediate Family Member.

We will not pay for Loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

11. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, or Immediate Family Member.

We will not pay for Loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Air Only, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, Renters Collision and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Upgrade – Adventure Sports

If you purchase this optional upgrade, the following coverage change applies:

“Adventure Sports” is removed from the following exclusion listed under GENERAL EXCLUSIONS AND LIMITATIONS:

7. participating in Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

Adventure Sports means leisure and non-professional sports activities including but not limited to the following: safari, bungee jumping, cave diving, Diving below ten (10) meters, hang gliding, kite surfing, Mountaineering below seven thousand (7,000) meters, paragliding, parasailing, powerlifting, spelunking, subaqua pursuits involving underwater breathing apparatus, and surfing.

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Upgrade – Adventure Sports

If you purchase this optional upgrade, the following coverage change applies:

“Adventure Sports” is removed from the following exclusion listed under GENERAL EXCLUSIONS AND LIMITATIONS:

7. participating in Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

Adventure Sports means leisure and non-professional sports activities including but not limited to the following: safari, bungee jumping, cave diving, Diving below ten (10) meters, hang gliding, kite surfing, Mountaineering below seven thousand (7,000) meters, paragliding, parasailing, powerlifting, spelunking, subaqua pursuits involving underwater breathing apparatus, and surfing.

The policy certificate includes the following language:

GENERAL EXCLUSIONS AND LIMITATIONS:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Upgrade – Adventure Sports

If you purchase this optional upgrade, the following coverage change applies:

“Adventure Sports” is removed from the following exclusion listed under GENERAL EXCLUSIONS AND LIMITATIONS:

7. participating in Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

Adventure Sports means leisure and non-professional sports activities including but not limited to the following: safari, bungee jumping, cave diving, Diving below ten (10) meters, hang gliding, kite surfing, Mountaineering below seven thousand (7,000) meters, paragliding, parasailing, powerlifting, spelunking, sub-aqua pursuits involving underwater breathing apparatus, and surfing.