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).