The standard definition of a covered accident is considered a sudden, unexpected, and unforeseen event that occurs while coverage under our policy is in force. This does not include stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; and aneurysm . Also, covered accidents do not include anything listed as an exclusion under our policy. You can learn more about what’s not covered on our Coverage Details page.