Travel insurance is a type of insurance which provides coverage for risks associated with travelling be it domestic or international. The risks include loss of baggage, loss of passport, medical expenses/emergencies in a foreign country, flight cancellations, etc. Like every other insurance policy, there are a few instances which are not covered by the insurer. Here is a list of general exclusions that insurance providers do not include in their coverage:
1. Medical Conditions
Pre-existing medical conditions such as diabetes, high blood pressure, etc. are not covered under any travel insurance policy. Generally, there is a waiting period applicable towards pre-existing diseases. In case you have pre-existing diseases, you need to disclose your state of health to the insurer before purchasing a travel insurance plan or else the insurer will most likely decline any claims arising out of the same.
2. Baggage Delay less than 24 hours
Baggage delay/loss of baggage is provided by every standard travel insurance plan. But there are a few terms and conditions for the same. Delay in baggage is only covered if the airline has not taken any action and the baggage has been missing for more than 24 hours.
Travel insurance plans may not cover damages arising out of military or terrorist activity. This is applicable to domestic as well as international travel. Many insurers do not provide any travel cover for politically unstable countries. It is on the sole discretion of the traveller if he/she is planning to visit an unstable country. In such cases, the insurer will not provide any coverage.
4. Loss Instigated by the Policyholder
If any loss has been caused by the misbehaviour of the policyholder, the insurer will not provide any coverage. Reckless, irresponsible decisions and behaviour is not entertained by any travel insurer.
5. Loss of Belongings
Leaving your luggage unattended is another reason which will prevent you from making a claim. It is advised that you do not leave your luggage unattended at any airport.
6. Unapproved Health Condition
You are required to describe your medical conditions before purchasing a travel insurance plan. If your policy does not cover a particular health condition, you will not be able to make a claim for the same. In short, travel insurers are very particular when it comes to medical claims.
7. Adventurous Activities
Participation in extreme sports in a foreign country is not covered by any travel insurance plan. Voluntary participation in adventure sports carries a higher risk to the well-being of an individual, hence they are not covered by a travel insurance plan.
8. Cancellation by Operator
If you are travelling to a foreign destination via a professional tour operator and the operator decides to cancel the trip during the very last moment, the insurer will not entertain your claim for trip cancellation. In such instances, you need to deal with the tour operator directly for a refund, the insurer is not liable for any loss incurred by you.
9. Mental Illness
Patients/travellers suffering from psychological or mental illness are not under the purview of travel insurance coverage. Psychological illnesses are not covered by any insurance policy.
10. Inappropriate Behaviour
If you have instigated a loss on the grounds of intoxicated behaviour, your claim is most likely to be rejected. If you are found to be under the influence of any drugs or alcohol, you are not liable for any claim.
You cannot make a claim if your spouse suddenly decides to leave you in a foreign land. A divorce settlement is a personal matter, the insurer is not liable for any loss arising out of separation.
12. Local Protests
If you are stuck in a place due to local protest or riot in a foreign country, the insurer, as well as the airline carrier, is not responsible for your loss. You need to be careful before visiting an unstable country.
13. Natural Calamities/Radiological/Chemical/Biological Warfare
The cases mentioned above are a part of permanent general exclusions in every insurance policy.
In conclusion, it is always advisable to purchase a travel insurance plan after considering the pros and cons of visiting a foreign land.
Also Read: Your Guide to Buying Domestic Travel Insurance