Like any other type of insurance, travel insurance does not cover everything. Hence, it is important to understand what is covered and what is not in your travel insurance plan.

Given below are some of the major exclusions which are common to almost all travel insurance plans.

  • Claims arising out of pre-existing medical conditions. Some insurers may cover life threatening conditions only, arising out of pre-existing diseases.
  • Expenses incurred due to any of the following conditions:
  • Suicide
  • Self-inflicted injuries or illnesses
  • Mental disorder
  • Anxiety, stress or depression
  • Venereal diseases
  • Alcohol/drug abuse
  • Expenses incurred if you are
  • Traveling against the advice of a physician.
  • Receiving or are on a waiting list for specified medical treatment.
  • Travelling to receive treatment abroad.
  • Have been given terminal prognosis for a medical condition.
  • Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.
  • Loss of checked baggage - no partial loss or damage shall become payable
  • War or nuclear threat in the country where you’re travelling