Exclusions

Uninsured Events:
War, terrorism except Section 2 Personal Accident and Section 3 Additional Personal Accident Benefits and similar acts, nuclear hazards.

Personal Accident and Sickness:
Intoxication, drug abuse; pregnancy, childbirth or miscarriage; self-inflicted injury or illness, venereal disease, AIDS, AIDS and HIV related diseases; unreasonable care and attention, non-essential surgery or treatment, private room unless medically indicated, pre-existing medical conditions, travel for the purpose of medical treatment.

Baggage and Personal Money:
Delay, confiscation or detention by authorities, unattended baggage loss/damage and all losses not reported to the police/authorities within 24 hours; normal tear and wear; fragile items.

Curtailment and Cancellation:
Tour operators and airlines are to be given immediate notice of any changes.

Delay:
Late arrival of insured at place of departure; any delays existing at the time of application for Travel Protect

Liability:
Use and hire of aircraft, watercraft and vehicles; property in custody; professional and contractual liability; injury to members of own family.