a) Those caused directly or indirectly by the bad faith of the Insured, by his/her participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or reckless actions. The consequences of the actions of the Insured in a state of derangement or under psychiatric treatment are not covered either.

b) Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon.

c) Events arising from terrorism, mutiny or crowd disturbances.

d) Events or actions of the Armed Forces or Security Forces in peacetime.

e) Wars, with or without prior declaration, and any conflicts or international interventions using force or duress.

f) Those derived from radioactive nuclear energy.

g) Those caused when the Insured takes part in bets, challenges or brawls, save in the case of legitimate defence or necessity.

h) Those that occur as a result of the participation by the Insured in competitions, sports, and preparatory or training tests.

i) Engaging in the following sports: motor racing or motorcycle racing in any of its modes, big game hunting, underwater diving using artificial lung, navigation in international waters in craft not intended for the public transport of passengers, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is notoriously dangerous.

j) Participation in competitions or tournaments organized by sporting federations or similar organizations.

k) Winter sports

l) The use, as a passenger or crew, of means of air navigation not authorized for the public transport of travelers, as well as helicopters.

m) The accidents deemed legally to be work or labor accidents, consequence of a risk inherent to the work performed by the Insured such as: driving vehicles with use of machinery, loading and unloading working at heights or in confined spaces, assembly of machinery, working on floating or underwater platforms, mines or quarries, use of mechanical substances, laboratory work of any kind and any other hazardous activities

a) The services arranged by the Insured on his/her own behalf, without prior communication or without the consent of The Company or MAPFRE Asistencia, except in the case of urgent medical necessity (a life threatening condition based on physician’s assessment) In that event, the Insured must notify the Insurer PRIOR to being discharged from the hospital. Non advice to the Insurer prior to Insured being discharged is a ground for denial of the claim. Insured must furnish the Insurer with the vouchers and original copies of the official receipt / or proof of payment made.

b) Illnesses or injuries arising from chronic ailments or from those that existed prior to the occurrence of the accident.

c) Death as a result of suicide and the injuries or after-effects brought about by attempted suicide

d) Those derived from illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance.

e) Those derived from renunciation of or delay, on the part of the Insured or persons responsible for him/her, in the transfer proposed by the Insurance Company and agreed by its medical service.

f) Rehabilitation treatments

g) Prostheses, orthopaedic material or orthesis and osteosynthesis material, as well as spectacles.

h) Assistance for pregnancy and childbirth, or for a complication there from or voluntary termination of pregnancy.

i) Dental expenses in excess of US$ 50, unless another limit is expressly indicated in the Specific or Special Conditions.

j) Baggage that is not sufficiently well packaged or identified, as well as fragile baggage or perishable products.

k) Assistance or compensation for events that occurred during a trip that had commenced, in any of the following circumstances:

       i. Before this insurance comes into force.
       ii. With the intention of receiving medical treatment.
       iii. After the diagnosis of a terminal illness.
       iv. Without prior medical authorization, after the Insured had been under treatment or medical supervision during the twelve months prior to the start of the trip.

l) Expenses that arise once the Insured is at his/her usual place of residence, those incurred beyond the scope of application of the guarantees of the insurance, and, in any case, after the dates of the travel object of the contract have elapsed or after the maximum number of days per trip (under an annual multi trip cover) has elapsed since the start thereof, notwithstanding what is provided for in the Additional Clauses or in the Policy Schedule.