What Your Travel Insurance May Not Cover

Many policyholders overlook policy exclusions found in the fine print and sometimes need clarification. For example, passport loss due to carelessness and the loss of valuable items inside your baggage may not be covered unless specified in an add-on. 

Therefore, it’s essential to be aware of standard exclusions in international travel insurance.

• Pre-Existing Conditions: A Significant Exclusion

Most pre-existing medical conditions may not be covered by travel insurance. Insurers typically do not provide travel insurance coverage for health conditions requiring treatment changes or new symptoms in the months before your trip. However, if your condition has been stable without significant changes for an extended period, the insurer might cover any unexpected flare-ups during your travels.

• Dental Treatment

Only dental emergency costs incurred due to an accident are covered by travel health insurance. Typically, routine dental care may not be covered. However, insurance companies might have a provision in this regard. A thorough review of the policy document is required before filing a claim. By doing so, you can learn about the extent of your coverage while avoiding rejecting a claim. *

• If Travelling To Receive Medical Treatment Abroad

Because travel insurance is only intended to cover emergencies, you may not be covered for any anticipated network hospital stays. The insurer won’t pay for your expenses, even if you are travelling to receive medical care. *

• Emotional Or Mental Disorders

Travel insurance providers do not typically accept claims resulting from mental or emotional disorders. These may include bipolar disorder, schizophrenia, and depression. Therefore, the costs associated with treating such illnesses will not be reimbursed. *

• Adventure Sports 

Most travel insurance policies do not cover losses from adventure sports such as skiing, snowboarding, skydiving, rafting, scuba diving, and bungee jumping. However, you can often add travel insurance coverage for these activities at an extra cost. If your travel plans involve adventurous sports, consider your options, plan accordingly, or opt for an add-on to cover these risky activities. *

• Pregnancy And Childbirth

Unless specifically covered by a travel policy, whether domestic or international, childbirth and pregnancy are typically not covered by travel insurance. However, under such a policy, you might be compensated for pregnancy-related complications. Check carefully with the insurance advisor if your next trip is coming up or if you are pregnant and planning to travel. *

• Anything That Is Not Listed As Being Covered

The transparency principle underlies how travel insurance operates. Only the things listed in the policy document are covered by the insurer. You can check with the insurer if you can’t find something that worries you. The claim for the non-listed items will be rejected because the insurance provider will only pay for the listed conditions. Or, you could choose an add-on.

The majority of us frequently focus more on the policy’s inclusions and ignore its exclusions. The most crucial component of your travel insurance is the policy exclusions; ignoring them could result in a severe situation. Therefore, consider policy exclusions carefully and travel in comfort. For example, when planning a trip to the UK, remember to inquire about UK travel insurance to ensure you have comprehensive coverage.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.