Exclusions

All sports/activities not listed in the sports & activities Optional Coverage are covered under the Emergency Medical Insurance plan, without having to purchase this optional coverage, except for:
• Barrel racing
• Bronc riding
• Bull riding
• Chariot racing
• Chuck wagon racing
• Rodeo bareback riding
• Rodeo clowning
• Rodeo team roping
• Steer wrestling/chutedogging
• Trick riding
• Harness racing

The following are also excluded if participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated, or roped-off area that has been marked as off limits according to recommendations of safety authorities in the are.
• Backcountry skiing/snowboarding
• High risk snowmobiling
• Ice climbing
• Mountaineering
• Rock climbing
• Downhill freestyle skiing/snowboarding in competitions