Exclusions you need to know in a Travel Insurance Policy


A travel insurance policy is always recommended before undertaking a trip. The policy protects you against any financial emergencies which might arise when you are travelling. Whether you face medical complications, which result in hospitalization or lose your baggage, a travel insurance policy compensates you against the damages incurred. Though a travel insurance policy provides a comprehensive coverage, there are certain exclusions in all travel insurance plans. For all such exclusions, no claim is paid under the plan. Do you know what these exclusions are?

Though the actual exclusion list varies among different plans, there are certain exclusions commonly found in almost all travel insurance policies. Here is a brief description of all such common exclusions –

Coverage for pre-existing medical illnesses

This is perhaps the first and the most important exclusion in all travel insurance plans. If you or your family member suffers from any ailment when the travel insurance policy is bought, such ailments are called pre-existing conditions. If during your trip, you face health complications due to these illnesses and are hospitalized, your travel insurance policy would pay no claim.

However, there are some travel insurance plans which cover pre-existing illnesses in life-threatening circumstances. You should read the coverage features thoroughly to understand whether your pre-existing illness is covered or not.

Adventure sports and other hazardous activities are not covered

While you might want to seek thrill on your holiday, you should remember that any resultant accident would not be covered. Participation in adventure sports or any other hazardous activities like paragliding, scuba diving, snorkeling, bungee jumping, motor racing, etc. is risky and it increases the chances of accidents. It is, thus, excluded from all travel insurance policies.

Self-inflicted injuries, alcohol and drug abuse are excluded

If you harm yourself intentionally or try and commit suicide, any injury sustained in the act would not be covered. Furthermore, if you injure yourself when you are under the influence of alcohol or drugs, you would not get any claim under your travel insurance policy.

Certain health hazards are not covered

Pregnancy which results in miscarriage, abortion, delivery or any other complication when traveling is not covered by a travel insurance policy. Similarly, any type of mental disorder or anxiety is excluded from the cover. Medical expenses incurred due to sexually transmitted diseases like HIV, AIDS or other venereal diseases are not covered. Moreover, alternate forms of treatments, unproven or experimental treatments, cosmetic or plastic surgeries and treatment for radioactive contamination are also excluded from your travel insurance policy.

Travelling against the advice of a medical practitioner is not covered

If your medical practitioner has advised you not to travel and you still go on a trip, any medical complications you face would not be covered by your travel insurance plan.

Claims made after the policy tenure has expired

Now, this is a no-brainer. Your travel insurance policy is issued for a specified tenure chosen by you. If you face any contingency after the policy has expired and raised a claim for the same, it would obviously be excluded from coverage. Thus, it is always advised to buy a door-to-door travel insurance policy so that you get coverage right from the time you step out of your home till the time you come back and step in.

Baggage delayed for less than 12 hours

Though a travel insurance policy covers expenses incurred in case of delay of your baggage, such coverage is not available if the delay is for less than 12 hours. For you to be eligible for the claim, the baggage should be delayed for at least 12 hours.

There are exclusions to the trip cancellation coverage too

A travel insurance policy compensates you for any financial loss if your trip gets cancelled. However, this coverage has some conditions. The reason for cancellation of the trip should be sudden, unavoidable and serious. For instance, if you fall ill and are hospitalized or someone in the family dies and the trip is cancelled, it would be covered. However, if you cancel the trip for other reasons, it would not be covered. For instance, if your travel agent cancels the trip, trip cancellation would not be applicable. Similarly, if you cancel the trip due to a business loss or if your pet dies, you would not get any claim for the losses suffered.

So, these were the common exclusions found in most travel insurance policies. Remember them before you buy a travel insurance plan so that you don’t get a nasty surprise when your travel insurance claim gets rejected. Read the policy document carefully to know the exclusions and then buy the plan.