Every insurance plan contains restrictions and exclusions. For more information, review the terms and conditions, including pre-existing conditions, medical events related to pregnancy, injuries or losses caused by the practice of extreme and high-risk sports and activities, use of prohibited drugs or any other intoxicant, be it legal or not, among many others. In addition, benefits are not payable for losses or costs incurred due to, contributed to by, or resulting from acts of war, kidnapping, acts of terrorism of any kind, riots, strikes or civil commotion, among others. Read the exclusion section of your travel insurance policy carefully before leaving so you fully understand your coverage.