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 ordinarily resides 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
• Services or supplies received outside of 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 smoking cessation aids
• 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 dependant's departure from his/her province of residence
• Preventative immunization vaccines and toxoids
• Any other exclusion identified in the policy contract