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Travel Insurance Coverage: 5 Things Your Policy Won’t Cover

When we buy travel insurance, we tend to assume that we are insured against all possible emergencies of the trip. Unfortunately, that is not always the case. Travelers are regularly frustrated to realize that their travel coverage contains way too many holes—with exclusions that might be stated in the fine print but even so confusing and other times counterintuitive.

Therefore, it’s essential to read the contract for yourself and understand what is covered under the policy and what is not. Here are 5 things that might not be covered under a typical travel insurance coverage:

 Health Crises (Like Pandemics) That Begin Before You Purchase

 Many times when travelers are surprised to find that their insurance policies do not cover them when a health crisis like the Covid19 pandemic arises while on their trips. As with natural disasters, travel insurance can cover losses resulting from global health emergencies, but you’ll need to purchase that plan before the pandemic is a “known event.” So, if you are traveling to a country that has not reported an outbreak of a contagious disease and you purchase your insurance before the outbreak is confirmed, your coverage may be limited or even excluded.

 Losses Due to Pre-Existing Conditions

 Many travelers purchase travel insurance from agents such as, assuming that their coverage will cover all of their trips. However, many policies state that they do not cover pre-existing conditions. So, if you have chronic conditions like asthma, severe allergies, or high blood pressure, you may find that your coverage is limited or even entirely excluded by your policy.

 Travel for Medical Procedures

 Travel insurance may not cover people traveling specifically to get medical treatment ( those seeking medical treatment overseas because they’re not available locally or are too expensive at home). These include medical conditions can include :

·      Cosmetic surgery

·      Dental procedures

·      Pregnancy and Childbirth

·      Procedure for weight loss

·      Organ transplant

·      Cancer treatment

·      Procedures to correct vision or hearing problems

·      And more

 Bad Weather

 Even with travel insurance, bad weather can still be a trip-ending disaster. Many policies do not cover losses due to bad weather, including floods, hurricanes, earthquakes, tornadoes, and more.

 Many travelers are surprised to find that their travel insurance does not cover losses from natural disasters like hurricanes, earthquakes, and tornadoes. In addition, some policies do not cover delays caused by issues with the transportation system of your destination (for example, if you purchase your insurance while traveling by airplane and the airline cancels your flight due to a storm at your destination). However, many policies will cover losses if the delay is caused by another party (such as an airline), so it may be worthwhile to check with your insurer before purchasing any travel insurance policy.

Certain Activities

 Many travelers purchase travel insurance to protect them from unexpected expenses and ensure that they are fully covered in an emergency. However, many policies do not cover certain activities, even when traveling with a group tour operator or a tour company (for example, scuba diving, whitewater rafting, or skiing). In addition, some insurers will only pay out on claims that are submitted within a certain timeframe after the incident has occurred (which can be difficult if you’re overseas). Thus, if you’re planning on doing any of these activities while abroad, it may be worthwhile to check your policy before purchasing it.

Suza Anjleena

Lifestyleslabs provides an innovative platform for technology-related solutions, entrepreneurship ideas, webinars, and experts' views on health, fashion, sports, and technology trends.

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