No benefit is payable for:

• Expenses for which benefits are payable under a Workers' Compensation Act or a similar statute.
• Expenses incurred due to intentionally self-inflicted injuries.
• Expenses incurred due to civil disorder or war, whether or not war was declared.
• Expenses for services and products, rendered or prescribed by a person who is ordinarily a resident in the patient's home or who is related to the patient by blood or marriage.
• Expenses for which benefits are payable under a government plan.
• Expenses for benefits which are legally prohibited by the government from coverage.
• Any services or supplies received by an insured person in their home country if their home country is not Canada.
• Out-of-province expenses for elective (non-emergency) medical treatment or surgery.
• Expenses for drugs which, in the insurer's opinion, are experimental.
• Expenses for dietary supplements, vitamins and infant foods.
• Expenses for contraceptives (other than oral).
• Expenses for drugs if they are used for the treatment of infertility.
• Expenses for the services of a homemaker.
• Expenses for items purchased solely for athletic use.
• Dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth.
• Utilization fees which are imposed by the Provincial Health Care Plan for the use of a service.
• Expenses for the regular treatment of an injury or disease which existed before the member's or dependent's departure from his/her province of residence.
• Immunizations and vaccines (Hepatitis B will be covered, except for Recombivax HB preservative free - DIN 02245976 and DIN 02245977).
• Any other exclusion identified in the policy contract.