X Existing conditions that were last treated within the six months prior to the start of the insurance cover or the booking of the trip
X A mental disorder episode, if the most recent episode does not date back at least three years, or addictions
X Medical treatment and other medically prescribed therapy which you knew to be essential before the start of the insured period or which you should have expected given the circumstances known to you
X Acupuncture, massage and wellness treatments, "fango" procedures and lymph drainage.
X Video and filming equipment, cameras, including accessories, as checked-in luggage and losses sustained because these are forgotten or lost
X Accidents caused by mental or cognitive disorders, strokes, seizures; this applies also if the condition is caused by drugs or alcohol
X Liability claims made by insured persons travelling together, against one another