No benefit is payable for:

Limitations and Exclusions to Prescription Drug Benefits

• Over-the-counter products, or medicines available without a prescription;
• Fertility drugs;
• Anti-smoking remedies (e.g. nicorette gum, patches or similar prescribed remedies);
• Injectable vitamins that are non-prescription;
• Patented medicines and G.P. products;
• First-aid and surgical supplies;
• Atomizers, vaporizers;
• Salt and sugar substitutes;
• Infant formula, dietary foods and aids;
• Contact lens care products;
• Diagnostic aids and laboratory tests;
• Contraceptives, other than oral and the IUD Mirena;
• Lozenges, mouthwash, toothpastes and cosmetics;
• Oral vitamins;
• Items deemed cosmetic, even if a prescription is legally required;
• Male baldness treatments;
• Drugs which in whole or in part a government health plan prohibits from being paid, except to the extent that it permits excess reimbursement;
• Drugs which the Insured Person received without charge;
• Drugs which are experimental in nature;
• Drugs, hormones, products and injections for the treatment of obesity;
• Erectile dysfunction drugs;
• Accutane or other acne preparations containing the same medicinal ingredient as Accutane;
• Anabolic steroids; or
• Sclerosing agents.

Limitations and Exclusions to Extended Health Benefits

• Expenses as a result of any injury or sickness caused by declared or undeclared war or any act thereof;
• Expenses of any kind which would not normally be charged to you if the policy were not in effect;
• Expenses incurred from any injury or sickness sustained as a result of employment when you are covered or eligible to receive benefits under the applicable Workplace Safety and Insurance Board's legislation or similar law;
• Expenses as a result of suicide or any attempt thereat or intentionally self-inflicted injury, while sane or insane;
• Cosmetic medical or surgical care, other than due to an accidental bodily injury sustained while you are insured under this benefit;
• Medical treatment which is experimental or investigational in nature;
• Periodic health examinations, broken appointments, physician's costs for traveling or providing telephone advice, third party examinations, completion of forms or medical reports, travel for health purposes;
• Services, treatment or supplies not included in this benefit;
• Expenses incurred from any injury or sickness as the result of active full-time service in the armed forces of any country;
• Expenses incurred by you if you are not covered under any Federal or Provincial Hospital or Medical Plan or its equivalent;
• Expenses which are not medically required;
• Services or supplies associated with exercise, weight loss, physical fitness or sports, environmental or atmospheric control in the home or workplace;
• Expenses which are prohibited by law from being covered by a private insurance plan;
• Services or supplies received outside of Canada;
• Services, treatments or supplies which the Insured Person received without charge; or
• Any other exclusion identified in the policy contract.