Please review the travel retailer disclosures available at www.bhtp.com/legal/disclaimer if you plan to purchase a travel insurance policy from an unlicensed travel retailer. The included information contains a brief description of benefits. Rates, product descriptions, and benefits may be changed without notice. Products or Benefits may not be available to residents of all states. If there is any conflict between the contents of our website, any literature or content, or the Policy, the Policy will govern in all cases. This plan does not cover any loss caused by or resulting from: intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Traveling Companion while sane or insane; Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, fertility treatments, or elective abortion, of the Insured, a Traveling Companion or a Family Member; participation in professional athletic events; motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heli-skiing, spelunking; extreme snow-skiing; parkour; mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring equipment; war or act of war, whether declared or not, civil disorder (unless specifically covered herein), riot, or insurrection; operating or learning to operate any aircraft, as student, pilot, or crew; air travel on any air-supported device, other than a regularly scheduled airline or air charter company; commission of or attempt to commit a felony by the Insured; Mental, Nervous or Psychological Disorder; if the Insured's tickets do not contain specific travel dates (open tickets); being under the influence of drugs or narcotics, unless administered upon the advice of a Physician, or intoxication above the legal limit; military duty; participation in underwater activities or scuba diving (if the depth exceeds 66 feet or more); any Loss that occurs at a time when this coverage is not in effect; traveling for the purpose of securing medical treatment; any Trip taken outside the advice of a Physician; a diagnosed Sickness from which no recovery is expected and which only palliative treatment is provided and which carries a prognosis of death within 12 months of the Insured's coverage effective date; Sickness, Injury or death if insurance is purchased after entering a hospice facility or receiving hospice treatment; Elective Treatment and Procedures; or Pre-Existing Medical Conditions of an Insured or Traveling Companion (within a 60 day period immediately preceding coverage effective date). The following exclusions also apply to Accidental Death and Dismemberment: loss caused by or resulting directly or indirectly from Sickness or disease of any kind. Please refer to your policy for a complete list of plan exclusions and limitations.VacationGuard Insurance Services, CA Agency License # 0H18225. Berkshire Hathaway Travel Protection (BHTP) is a registered trademark of Berkshire Hathaway Specialty Concierge, LLC, a subsidiary of Berkshire Hathaway Specialty Insurance. All products listed are underwritten by Berkshire Hathaway Specialty Insurance Company, 1314 Douglas Street, Suite 1400, Omaha, NE 68102; NAIC #22276 under Policy Form series (all states unless otherwise noted) PG-TS-TC-US. In AK Policy Form # PG-TS-TC-AK, CO Policy Form # PG-TS-TCCOAH and PG-TS-TC-IM, GA Policy Form # PG-TS-TC-GA, IL Policy Form #PG-TS-TC-IL, IN Policy Form # PG-TS-TC-INAH and PG-TS-TC-IM, KS Policy Form# PG-TS-TC-KS, MA Policy Form # PG-TS-TC-MA, MD Policy Form #PG-TS-TC-MD, MN Policy Form # PG-TS-TC-MN, MO Policy Form # PG-TS-TCMO, MT Policy Form # PG-TS-TC-MTAH and PG-TS-TC-MTPC, NH Policy Form #PG-TS-TC-NH, NY Policy Form # PG-TS-TC-NYAH and PG-TS-TC-NYPC, OR Policy Form # PG-TS-TC-OR, TN Policy Form # PG-TS-TC-TN, TX Policy Form #PG-TS-TC-TXAH and PG-TS-TC-TXPC, UT Policy Form # PG-TS-TC-UT, VA Policy Form # PG-TS-TC-VA, VT Policy Form # PG-TS-TC-VT, WA Policy Form #PG-TS-TC-WAAH and PG-TS-TC-WAPC.