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Travel Medical Insurance Exclusions

Travel medical insurance is designed for international travel. Like all other insurance policies Travel medical insurance have some exclusions and it's in our best interest to be well informed about what you are and aren't covered for. The only way to know for sure what is & isn't covered is to read the policy wording carefully.

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What Travel Medical Insurance doesn't cover (Exclusions)?

Here's a list of what's commonly not covered:
  • Pre-existing conditions: Any ongoing medical or dental condition, any condition for which you take medicines or any surgical conditions

    There are some plans which provides limited coverage for Pre-existing condition in case of life-threatening situations. Please keep this in mind while buying Policy and if pre-existing is your concern select the travel insurance plans which provides this coverage.

  • Pregnancy or difficulties related to the same is generally excluded
  • Traveling against the advice of the medical doctor is not covered by Travel medical insurance in any circumstances.
  • Cosmetic Surgery is not covered.
  • Hazardous Sports involving bodily contact such as mountaineering, skydiving, skiing, caving, riding in races, bungee jumping, parachuting, etc are excluded from the clauses of medical insurance for travelers. Some policies offer coverage for these hazardous sports, if an additional rider is bought by paying extra premium
  • Mental disorder, anxiety or depression
  • Participation in criminal act
  • Addiction to alcohol and drugs
  • Expenses arising out of loss of valuables, money, securities and tickets
  • Loss of passport in public places
  • Sexually transmitted diseases, AIDS, HIV
  • Radiation, nuclear weapons induced
  • Self-inflicted injury

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Travel Medical Insurance Policy Exclusions by Insurance Companies