Any disability, medical condition or illness which originated prior to the commencement of the policy or to your inclusion under the policy until a period of one year has elapsed during which you have not required any treatment.
Any health condition which was the subject of a claim under an earlier journey.
Any circumstance which could reasonably have been foreseen as likely to give rise to a claim by you at the start of the policy or when the journey was booked (whichever is the later).
Pregnancy, childbirth or any medical complications resulting therefrom if you are, or would have been, pregnant for seven months or longer at any point during a journey.
Your deliberate exposure to exceptional danger (except in an attempt to save human life).
Sports or leisure activities where there is a significant risk of injury (eg. jet-skiing, bungee jumping, quad biking, rock climbing, etc.)
You travelling to a destination where your government is advising against travel.