Pre-existing conditions as defined by your policy and dictated by state law.

- Hernia however the growing trend is to cover the condition.

- Self-inflicted injuries

- Suicide

- War and/or acts of ware that result in injury or death

- Military duty

- Non-commercial air travel

- Injury while committing a felony

- Injury, illness or death incurred while under the influence of alcohol or narcotics

- Cosmetic surgery unless for surgery required as a result of an accidental injury or a congenital defect

- Dental expense, unless resulting from accidental injury

- Vision correction such as eye exams, eyeglasses and contact lenses

- Care provided by governmental facility which is normally covered by the Veterans Administration or by workers compensation

- Sexually transmitted diseases

- Experimental procedures

- Organ transplant

- Infertility treatment and services