CHUBB TRAVEL INSURANCE - EXCLUSIONS

CHECK OUT TRAVEL INSURANCE PHILIPPINES

General Exclusions Applicable to All Sections

Additional Exclusions Applicable to:
Medical Necessary Expenses Benefit 
Emergency Medical Evacuation and Repatriation of Mortal Remains Benefit 
Hospital Confinement Daily Cash Benefit 
Compassionate Visit Benefit
Return of Minor Dependent Children Benefit 
Personal Accident Benefit 
Accidental Burial Benefit 

• While the Insured is riding or traveling on a motorcycle;
• Any claims involving participation by the Insured or the Insured’s traveling companion in hunting, racing (other than on foot), polo playing hang gliding, bungee jumping, sports in a professional capacity, mountaineering or rock climbing using ropes or guides, scuba diving unless the Insured holds an Open Water Diving Certificate or is diving with a qualified diving instructor, abseiling, ballooning, parachuting, paragliding or gliding (unless with additional premium and with the Company’s prior written approval);
• Miscarriage, pregnancy or any of its complications, abortion;
• Suicide or attempted suicide or intentional self-inflicted injury;
• The Insured not taking all reasonable efforts to safeguard his property or to avoid any Injury or minimize any claim under this Policy;
• While the Insured is taking part in a brawl or taking part in inciting a brawl;
• From the absorption by the Insured of any drugs, medications or treatments not prescribed by a Physician;
• Any medical treatment received during the Trip which was made for the purpose of receiving medical treatment
• or if the Trip was undertaken while the Insured was unfit to travel;
• Experimental or investigative procedures;
• Action of the Insured while under the influence of alcohol, addictive drugs, narcotic drugs to the extent of being unable to control one’s mind. The term “under the influence of alcohol” means that the Insured’s blood/alcohol level was equal to or superior to that fixed by the law/s regulating the use of automobiles, based on the results of a blood test ;
• Pre-Existing Conditions;
• AIDS or any injury or sickness commencing in the presence of a zero-positive test for HIV, and HIV-related disease;
• Mental and nervous disorders, including but not limited to insanity;
• Venereal disease;
• Cosmetic surgery, apart from reconstructive surgery required by a covered Accident;
• Any treatment or surgical operation for congenital deformities and circumcision;
• Treatment arising from any geriatric, psycho-geriatric or psychiatric condition, stress, anxiety and depression, psychoanalytic treatment, stays in rest homes, physiotherapy and detoxification, care provided by a chiropractor or osteopath;
• Vaccinations and their complications;
• Ophthalmological care, eyeglasses, contact lenses, hearing aids, dental care (unless such treatment is necessarily incurred to sound and natural teeth) and dentures, unless they are the direct consequence of a covered Accident;
• Treatment for obesity, weight reduction or weight improvement;
• Any expenses incurred for transportation, accommodation or services provided by another party for which the Insured is not liable to pay, or any expenses already included in the cost of a scheduled Trip; or
• Any expenses for a service not approved and arranged by the Assistance Company, or its authorized representative, except that the Company reserves the right to waive this exclusion in the event the Insured or his traveling companions cannot for reasons beyond their control notify the Assistance Company, or its authorized representative, during an emergency medical situation. In any event, The Company reserves the right to reimburse the Insured only for those expenses incurred for services which the Assistance Company, or its authorized representative, would have provided under the same circumstances and up to the limits indicated in the Policy Schedule.

• Pregnancy and its complications;
• Pre-Existing Conditions;
• Illnesses or disorders of a psychological nature, nervous depression, mental illness, sexually-transmitted disease, AIDS, HIV infections and AIDS-related infections;
• Suicide, attempted suicide or intentionally self-inflicted injury;
• Failure to obtain required vaccinations before departure;
• Travel arrangements interrupted by an airline, cruise line or tour operator, or an organized labor strike that
• affects public transportation;
• Changes in plans by the Insured or an Immediate Family Member for any reason;
• Financial circumstances of the Insured or an Immediate Family Member;
• Any business or contractual obligations of the Insured or an Immediate Family Member;
• Default by the person, agency or tour operator from whom the Insured bought his coverage or purchased his
• travel arrangements;
• Any government regulations or prohibitions;
• The Company will not pay for any loss caused directly or indirectly by government regulations or control, bankruptcy, liquidation or default of travel agencies, or common carrier-caused cancellation or interruption; or
• The Company will not pay for any loss that is covered by any other existing insurance, government program or which will be paid or refunded by a hotel, travel agent or any other provider of travel and/or accommodation.

Additional Exclusions Applicable to Travel Delay Benefit

• Failure of the Insured to check-in according to the itinerary supplied to him;
• Strike or industrial action existing on the date the Insured applied for cover under this Policy;
• Late arrival of the Insured at the airport or port after check-in or boarding time (except if the late arrival is due to strike or industrial action).

• Animals;
• Motor vehicles (including accessories), motorcycles, boats, motors, any other conveyances;
• Snow skis, bicycles, sailboards, golf clubs, tennis rackets and other sporting equipment except while checked in as baggage with a registered Common Carrier;
• Household effects, keys, antiques, arts, collectors’ items, jewelry, musical instruments, equipment for professional use;
• Computers (including data recorded on tapes, cards, disks or otherwise, software and accessories);
• Eyeglasses, contact or corneal lenses, hearing aids, prosthetic limbs, wheelchair, artificial teeth or dental bridges;
• Documents, identity papers, credit and payment cards, transport tickets, stocks and securities;
• Perishables and consumables;
• Baggage sent in advance or souvenirs and articles mailed or shipped separately;
• Hired or leased equipment; or
• Business goods or samples.
• Loss not reported to proper police authorities;
• Loss or damage caused by wear and tear, gradual deterioration, moths and other insects, vermin, inherent vice or damage sustained due to any process or while actually being worked upon and resulting there from;
• Loss of or damage to property resulting directly or indirectly from seizure or destruction under quarantine or customs regulations, confiscation or expropriation by order of any government or public authority or risk of contraband or illegal transportation of trade;
• Loss of or damage to property insured under any other insurance policy or reimbursed by Common Carrier or hotel management;
• Loss to Insured’s baggage left unattended in any vehicle or public place or as a result of the Insured’s failure to take care and precautions for the safeguard and security of such property;
• Loss of or damage to property insured while the Insured is suffering from mental and nervous disorders, including but not limited to insanity;
• The Insured not taking all reasonable efforts to safeguard his property or to avoid or minimize any claim under this Policy;
• Mysterious disappearance; or
• Breakage of brittle or fragile articles, cameras, cellular phones, computers (including software and accessories), musical instruments, radio, compact disc players and similar property.