TRAVEL INSURANCE EXCLUSIONS
The present insurance policy doesn’t cover the expenses generated by:
- Insurer services that have not been requested through ASISTUR Alarm Center or that have been carried out without its concern, except for those of superior force or proven material impossibility.
- Accidents caused by fraud of the insured, the policy holder or the people traveling with the insured. Medical conditions, diseases or injuries derived directly or indirectly of fights (except in legitimate defense), strikes, vandalism acts or crowds in which the insured would have participated as an active element; attempting or carrying out an illegal and, in general, any criminal or fraudulent act, including providing false or dissenting information compared to reality.
- Accidents in case of war, (declared or not), demonstrations and popular movements, terrorist and sabotage acts, strikes, arrests from any form of authority for crimes not derived of car accident, restrictions on the free movement or any other case of superior force, unless the insured proves that the accident isn’t related to such events.
- Participating in competitions of any kind, as well as trainings, tests, bets and consequences from the practice of dangerous and high risks hobbies, including but not limited only to: hunting, underwater activities, hang-gliding, mountain climbing, motorcycling, motor racing, boxing, all-terrain vehicles, etc. This exclusion can be removed by paying an extra-premium.
- Accidents caused by irradiation coming from transmutation, nuclear fission or radioactivity.
- Sea or mountain rescue
- Air travels by planes not meant and authorized for public transportation
- Suicide or medical conditions and injuries from attempted suicide or intentionally caused by the insured
- Treatments, diseases and pathologies, as well as any event caused by intentional drugs ingestion or administration; also alcohol, narcotics or the use of medications without medical prescription.
- Expenses on prosthesis, orthosis, or medical assistance of any kind, for either internal or external use, including but not only limited to: orthopedic articles, dental prosthesis, hearing aids, glasses, contact lenses, splints, crutches, nebulizers, respirators, etc.
- Pregnancies, labors and abortions, regardless of its etiology, as well as any event derived from an advanced pregnancy, except in case of a clear and unpredictable complication. Pregnancies with more than 26 weeks are excluded regardless of the nature of the event that leads to treatment.
- Any event derived from a mental health condition, regardless of cause and even if temporary.
- Blood pressure controls. Hypertension and its consequences.
- Acquired Immunodeficiency Syndrome, AIDS and HIV in all forms and consequences. Venereal or Sexually Transmitted Diseases.
- Chronical and/or preexisting diseases: Studies and/or medical treatments related to chronical, preexisting, congenital or recurring diseases and their symptoms (known or not by the insured) are excluded.