The main exclusions that apply to all sections of the insurance:

Any claim arising directly or indirectly from your failure to seek medical advice on the advisability of undertaking the trip when you have received in-patient hospital treatment during the 6 months prior to booking your trip or where at the time of booking your trip you or any person whose condition gives rise to a claim:

i) is expected to give birth within two months of return from the trip, or
ii) is receiving or on a waiting list for in-patient hospital or clinic treatment, or
iii) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad, or
iv) has received a terminal prognosis.

Sports Limitations:
Ski jumping / flying / acrobatics / stunting / mountaineering / randonee or touring, heli-skiing, ice hockey or the use of bobsleighs or skeletons, rugby, bungee jumping, rock climbing or mountaineering, caving or potholing, white water rapids in excess of grade 3, scuba diving (over 30 metres depth), motor sports or competitions, motorcycling involving vehicles of over 125cc, yatching or boating outside coastal waters (12 mile limit), professional sports

Aerial activities or aviation (other then as a fare paying passenger in a duly licenced passenger carrying aircraft), manual work or hazardous occupation and one way trips. War & Terrorism risks, suicide, self inflicted injury or illness, mental disorders, anxiety, stress or depression, the use or effects of alcohol or drugs, criminal or illegal acts. HIV (Human Immunodeficiency Virus) and/or AIDS (Acquired Immune Deficiency Syndrome).

The Main exclusions that apply to the Baggage and Money sections of the insurance:

Loss or theft of any baggage or valuables whilst unattended unless in a locked, secure hotel room, apartment, holiday residence or other locked and secure self contained accommodation.

Loss or theft of baggage or valuables from an unattended vehicle other than baggage (but not valuables) in a locked enclosed boot, or concealed by the parcel shelf in the fixed position in a hatchback or estate vehicle.

Loss or theft of money whilst unattended unless in a locked safe or safety deposit box.

Excesses:
You are not covered for the first SR 200 of each and every claim.

Quotation Requests:
Consideration may be given to include certain excluded Risks / Activities at an additional premium. Please consult your Insurer.