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GTL Terms and Conditions

Accident Insurance Exclusions

The 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 fare-paying 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.
  • Prescription Drugs except as specifically stated.
  • 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, intercollegiate or club 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 water skiing or surfboarding;
  • Injury sustained while snow skiing or snowboarding;
  • Injury sustained while roller blading or skateboarding;
  • Injury sustained while participating in a rodeo.
  • Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific Injury.

The Insurance Premium related to coverage underwritten by Guarantee Trust Life Insurance Company as part of your membership is as follows; Individual = $6.85, Individual Plus Child/Spouse = $12.25, Family = $12.25

Notice of Claim: Written notice of claim must be given to the claims administrator within 60 days after a covered loss starts, or as soon thereafter as is reasonably possible.

United Benefits Direct  • Phone: 1-800-741-2915  • Email: members@unitedbenefitsdirect.com

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