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Did You Know About These 12 Things Travel Insurance Doesn't Cover?


Not all travelers are aware that there are a couple of things travel insurance doesn't cover. When we buy travel insurance, we naturally expect to be protected from pretty much everything. However, that is not what happens. While we know how to use travel insurance to an extent, we must know about the things it doesn’t cover to better protect ourselves during a trip. There are several loopholes of travel insurance that can be blamed for misleading us. For instance, you cannot expect your trip cancellation policy to cover you under any or all circumstances. To attain this, there is a cancel for any reason travel insurance add-on which you must purchase. Confusing, isn’t it? Have a look at some other important things travel insurance doesn't cover listed right below.

What Travel Insurance Does Not Cover:

What does travel insurance cover? Most travel insurance will cover canceled trips, medical emergencies, and emergency evacuations among other things. But these come with a set of conditions. However, knowing how to use travel insurance effectively is as important as knowing how to find extremely cheap flights. Getting the best travel insurance even for an emergency trip on last minute flights is crucial. But even that doesn’t cover certain important things. Take a look at the below list of things travel insurance doesn't cover.

1. Bad weather

Even the best travel insurance won’t cover you if there’s incessant rainfall when you’re hiking at your destination. Unforeseen bad weather is among the top things travel insurance doesn't cover. However, if your flights are delayed or canceled while at the airport owing to the weather, you will be covered by the insurance.

2. Medical evacuation costs

While it may seem logical to you that the insurance will cover your medical evacuation costs, there are a few conditions to this. If you need to be airlifted to a medical center, chances of your insurance covering this will be less. It’s best to have such an add-on included when you buy the insurance. Even then, there is no guarantee that you will be evacuated to the best medical facility. It may just be the nearest credentialed hospital.

3. Pre-existing medical conditions

Does travel insurance cover flu’ is among the most frequently asked questions by travelers. However, if you were thinking of claiming on travel insurance for illness, know that medical coverage goes beyond just that. Pre-existing medical conditions are among the top things travel insurance doesn't cover. For instance, if you were diagnosed after you bought the insurance, chances of you being covered are less.

4. Risky sports and activities

Adventure travelers take note, risky sports are among things travel insurance doesn't cover. Many travel insurance policies won’t cover losses you may suffer due to high-risk adventure activities such as bungee jumping, caving, scuba diving, snowboarding, skydiving, and such. Some policies will take it even further by not covering losses owing to any sports that involve bodily contact (football, volleyball, and so on).

5. Pregnancy and childbirth

Many travelers don’t know that pregnancy and childbirth are among things travel insurance doesn't cover. If you’re pregnant while traveling and unexpectedly give birth, your travel insurance won’t generally cover your childbirth expenses. However, you may be covered in case there are any complications that arise during the childbirth. Check your policy carefully before traveling.

6. Mental health issues

The limitations of insurance coverage are set not just to physical health. There are several travel insurance policies that will not cover the mental health of travelers. For instance, you have a nervous breakdown while traveling on your business class flights or even at the destination. If you end up harming yourself, your policy won’t foot the doctor’s bill.  

7. Medical costs for pets

Medical coverage for your pet is also among the things travel insurance doesn't cover. This lack of insurance coverage extends to service animals as well. For instance, if you need to bring a guide dog along, the insurance policy will not cover the veterinarian expenses. Check this out and learn how to use travel insurance for pets before making the trip.

8. Lost baggage

Yes, many of the best travel insurance policies will cover lost baggage. However, it is not blanket coverage but a conditional one. For example, many policies will require that your luggage be missing for at least 24 hours before they cover it. This inconvenience may cause you to miss important medication in your lost bag that won’t be replaced until the stipulated time.

9. Important lost items

Important or valuable items in your lost baggage are among the things travel insurance doesn't cover. While you may be assured that the policy will replace your baggage, important items may not be covered. Read the fine print and you will note that the policy will actually name items it does not cover. These may include valuables such as cash, passport, traveler’s cheques, and tickets to concerts or other events among other things.

10. Civil unrest/War

War and civil unrest among the top things travel insurance doesn't cover. If you travel to a volatile destination and suddenly unrest breaks loose, you may need to cut short your journey and fly back home. In such an event, the insurance won’t cover your cancellation, hotel fares, ticket booking, and other charges.

11. Lack of documentation

If you’re claiming on travel insurance for illness or other serious issues, you will not be considered without proper documentation. For instance, you should have legit medical documentation to ask for medical coverage. Such a paper trail is necessary for other losses as well. Otherwise, they become things travel insurance doesn't cover.

12. Unlisted items

Many of the things travel insurance doesn't cover will be those which aren’t mentioned in the policy. Thereby, when you book international flights and the best travel insurance policy therewith, make sure everything is mentioned in your policy. If you find that some things aren’t listed when you read the fine print, contact your travel insurance provider immediately. Get them to make the necessary changes and ensure you are covered well for the trip.

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