International Travel Basic Medical Insurance Exclusions

Activities and Conditions

It is important to consider in advance the type of activities that you will be involved with during your international travel. No medical benefits shall be payable by the Short-term Travel Insurance with respect to expenses incurred as a result of certain high-risk physical hazards and conditions including, but not limited to, the following list of specific exclusions.

  • Pre-existing medical conditions

  • Intentional self-inflicted injuries

  • Elective or experimental treatment, exams or surgery

  • Routine physicals and care, or routine dental care and treatment

  • Services, supplies, or treatment which is not recommended, approved, and certified as medically necessary and reasonable by a doctor

  • Expenses which are non-medical in nature

  • Loss caused by intoxication according to the laws where the loss occurred

  • Piloting or serving as a crew member in any aircraft

  • Declared or undeclared war, or any act of war

  • Specific Countries listed by insurer as war risk or under US economic embargo prior to departure


If you have any questions, contact Adventist Risk Management at +1-301-453-7400 or +1-888-951-4276 (toll free in the US).