EXCLUSIONS

The Accidental Dental Expense Benefit Policy does not provide benefits for: Treatment, services or supplies which: Are not Medically Necessary; Are not prescribed by a Doctor as necessary to treat an Injury; Are determined to be Experimental/Investigational in nature; Are received without charge or legal obligation to pay; Are received from persons employed or retained by any Family Member, unless otherwise specified; or Are not specifically listed as Covered Charges in the Policy.

Injury by acts of war, whether declared or not.
Injury received while traveling or flying by air, except as a farepaying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
Dental treatment, except as specifically stated.
Injury sustained while committing or attempting to commit a felony.
Suicide or attempted suicide while sane or insane.
Intentionally self-inflicted Injury.
Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
Injury sustained while participating in or practicing for any professional or intercollegiate sports activity, except as specifically provided.
Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
Covered Charges incurred outside of the United States or its possessions.
Competing in motor sports races or competitions;
Competing in water sports races or competitions;
Testing cars/trucks on any racetrack or speedway;
Handling, storing or transporting explosives;
Scaling up cliffs or mountain walls;
Spelunking (exploring caves);
Handling or working with dangerous animals.
Injury sustained while participating in a rodeo.
Re-injury or complications of an Injury caused or contributed to by a condition that existed Before the Accident.
Injury to teeth which is caused from biting, chewing or grinding teeth.
Injury to teeth with gross decay or advanced periodontal disease;
Orthodontic therapy to correct a condition that existed prior to the Accident.
Injury to teeth not firmly attached to the maxilla and/or mandible immediately prior to the time of the Accident.
Dental treatment and services performed or supplies used in conjunction with but not due to the covered Accident.
Excluded states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY