Some of the most common travel insurance exclusions include pre-existing medical conditions, injuries from extreme sports, and theft/loss of certain personal items such as electronics and jewelry.
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What is not covered by travel insurance?
With most travel insurance policies, you can only be covered if you cancel your trip for approved reasons, such as serious illness or death in the family. If you want the option to cancel for any reason, you will need to purchase additional CFAR coverage.
If you need to purchase travel insurance while pregnant, be aware that the policy may not cover all pregnancy-related conditions. If you give birth during your trip, medical emergency coverage may not cover the costs of childbirth. On the other hand, you could be covered if an unexpected complication of your pregnancy occurs during the trip.
Also, most travel insurance policies won’t pay for injuries that occur while you’re intoxicated with drugs or alcohol, even if use of the intoxicant is legal at the destination.
Finally, keep in mind that insurance companies can change their coverage at any time. As happened when the coronavirus pandemic began in 2020, many companies temporarily excluded COVID-19 infections from coverage and may do so again in the future. The insurer always has the final say on what is covered and what is not. Carefully review your policy documents before the trip begins.