The Most Common Travel Insurance Exclusions And How To Avoid Them

Most policyholders frequently ignore policy exclusions. Although frequently stated in small print, it could be clearer and more logical.

For instance, carelessness-related passport loss will not be compensated. Similarly, unless specifically covered by an add-on, coverage under baggage loss will cover only some priceless objects inside the bag. Given that, you should pay attention to what travel insurance is and the following typical exclusions of international travel insurance:

Existing Conditions: A Significant Exclusion

The vast majority of pre-existing medical issues are not covered by insurance for travel abroad. The timing of your diagnosis and the purchase of travel insurance will vary. Simply expressed, the losses brought on by such a health condition are not covered by your travel insurance. Your insurer will only provide travel insurance coverage for stable medical conditions that don’t require treatment changes or new symptoms.

For instance, suppose you’ve had arthritis for six years with no significant flare-ups or prescription adjustments. In this situation, the insurance might pay for you if you experience a severe flare-up while travelling. 

Dentist visits

Only dental emergency costs incurred as a result of an accident are covered by insurance for travel abroad. Typically, routine dental treatment is not covered. However, insurance companies might have a provision in this regard. A thorough review of the policy paperwork is required before filing a claim. 

Emotional or mental disorders

Typically, claims resulting from mental or emotional illnesses are not accepted by travel insurance providers. These may include bipolar disorder, schizophrenia, and depression. Therefore, the costs associated with treating such conditions will not be reimbursed

Obstetrics and childbirth

Unless specifically covered by a travel policy, labour and pregnancy are typically not covered by travel insurance in India, whether domestic or international. However, with such coverage, you might be compensated for pregnancy-related issues.

Check carefully with the insurance expert if your next trip is coming up or if you are pregnant and planning to travel.

Investigating a hazardous area willingly: The insured often covers losses brought on by natural calamities under international travel insurance. You won’t be covered by the insurance company, though, if you are travelling to a location known for natural disasters or do so despite a prior warning from the relevant authority about the possibility of one occurring.

Adventure sports attention: Many travel insurance companies do not cover losses incurred while participating in adventure sports. These activities include backcountry skiing, snowboarding, skydiving, rafting, scuba diving, and bungee leaping. However, some insurance companies allow customers to add coverage for an additional fee. Therefore, if your holiday itinerary includes adventurous activities, plan them out or get an add-on plan covering risky sports.

The majority of us frequently focus more on the policy’s inclusions and neglect its exclusions. And that is the mistake we make. The most crucial component of your travel insurance in India is the policy exclusions; failing to pay attention to them could result in a dangerous situation. Therefore, consider policy exclusions carefully and travel in luxury.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.