Policy Exclusions

Active Participation in Conflict

You are not covered if you actively participate in war, terrorism, riots, or civil commotion. (Note: Passive suffering as a victim is covered.)

Intoxication & Drugs

Claims resulting from being intoxicated by alcohol or drugs are excluded.

Self-Inflicted Harm & Crime

Suicide, attempted suicide, intentional self-injury, or engaging in criminal acts are not covered.

Pre-existing Conditions

Any condition you received treatment for or sought advice on in the 12 months prior to the policy start date is excluded. Contact us to discuss agreement to cover specific pre-existing conditions.

Age Limit

Persons aged 76 years or above are not covered. Contact us to discuss agreement to cover travellers above this age limit.

Mental Health

Anxiety, stress, depression, or mental disorders are generally excluded, except for the specific PTSD benefit listed in Section 1.

Armed Forces

Engaging in active service in the armed forces or police of any nation is excluded.

High Altitude

You are not covered if entering an altitude of 5,895m (19,340 ft) or higher above sea level.

Flying

You are only covered as a passenger. Piloting an aircraft is excluded.

Deep Water & Ships

"Deep blue water" rescue (more than 15km from land) and helicopter extraction from a ship or offshore installation are not covered.

Extreme Sports

Hazardous pursuits are excluded unless specific safety conditions are met.

Scuba

Unaccompanied dives, dives to wrecks, or dives below 30 meters are excluded.

Winter Sports

Off-piste skiing is excluded unless you are with a suitably experienced guide.

Piracy

Any costs or claims resulting from piracy are excluded.

Illness

This section covers accidents only. It does not cover disability or death caused by sickness or illness.

Gradual Causes

Any naturally occurring condition, degenerative process, or gradually operating cause is excluded.

No Approval

Medical expenses or hospitalizations that are not pre-approved by the Emergency Assistance Provider.

Routine & Elective Care

General check-ups, elective surgery, cosmetic surgery (unless due to accident), and routine dental care are not covered.

Pregnancy

Pregnancy, childbirth, and miscarriage are not covered.

Home Country

Medical expenses incurred once you are back in your Country of Domicile are not covered.

COVID-19 on Ships

COVID-19 claims determined or contracted while on a cruise ship or boat are excluded.

Contact Global Guardian Immediately

Failure to contact Global Guardian when an incident occurs may cause your claim to be rejected.

Report All Medical Events

You must contact them immediately for any medical expense, evacuation, or hospitalisation.

No Self-Arranged Solutions

You must not attempt to find your own solution or pay costs yourself without their prior approval.