Common Exclusions in Travel Insurance

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Common exclusions
  • Pre-existing medical conditions but a lot of companies now cover for "acute on-set of pre-existing conditions"

  • War or terrorism - but some plans may cover this risk, and some do cover for acts of terrorism

  • Injury or illness caused by alcohol or drug use

Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.

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