Exclusions applicable to Trip Cancellation Insurance Sample Clauses

Exclusions applicable to Trip Cancellation Insurance. This insurance benefit does not cover losses due to the following causes or to which such causes have contributed: a) Any trip taken for the purpose of obtaining or with the intention of receiving medical treatment or hospital services, whether or not the trip is taken on the recommendation of a physician. b) Any trip taken to visit a person who is ill or has suffered an accident, insofar as the cancellation or interruption of the trip is due to a change in the medical condition or the death of such person. c) Any expenses incurred by the insured, after the date the risk level of a Canadian government travel advisory is modified recommending that travellers avoid: i) Any trip or any non-essential travel to a location where the insured is or will be travelling; or ii) Any trip on a cruise ship, whether the insured is already on board or not. If the risk level of an advisory is modified while the insured is visiting the location in question or during the insured’s cruise, the insured must comply with the advisory within 14 days following the date the risk level is modified, failing which, the expenses incurred are not eligible. d) Active participation of the insured or travel companion in a criminal act or an act deemed to be criminal. e) Pregnancy, and any related complications, within eight weeks preceding the expected date of delivery. f) Suicide or attempted suicide by the insured or travel companion, or intentional self-inflicted injury or self-mutilation, whether or not the person is of sound mind. g) Voluntary abusive consumption of prescription drugs, drugs or alcohol and the ensuing consequences. h) Participation in any sporting activity involving remuneration, motor vehicle competition or speed contest, gliding or hang-gliding, mountaineering, skydiving, whether in freefall or not, bungee jumping or any other dangerous activity. i) A medical condition for which the insured or travel companion has been hospitalized, or has received or been prescribed medical treatment or consulted a physician within 90 days preceding the date on which travel expenses were incurred, except if it is proven to the satisfaction of the Insurer that the condition of the person in question was stable at the time expenses were incurred. Any change in prescription drugs, including use and dosage, is considered to be a medical treatment. j) Any loss related to a known condition of the insured or travel companion that is subject to periods of sudden deterioration and cannot be...