What Does Travel Insurance Exclude?

When purchasing a travel insurance policy, you should only believe it will offer you comprehensive coverage in some situations. There are various benefits to obtaining this, but your travel insurance company can only protect you in some situations. Before purchasing, you should thoroughly grasp the travel insurance coverage and exclusions, which are always outlined in the policy paperwork.

For instance, the travel insurance international policy will allow you only to claim cancellation in medical situations, natural calamities or if there is a delay from the airline. Any preexisting condition will not be covered. Some policies provide an add-on option; you can ask your travel insurance provider if one is available for your ailment.

Remember to read the policy document before making a reservation. To make the experience enlightening, rely on something other than your insurance agent’s verbal explanations; read the policy contract to avoid future disputes or problems.

Your travel insurance international and domestic policy may cover only some of the ten common occurrences. You can add them to your travel insurance policy. Examine the policy exclusions quickly-

1. Current conditions or circumstances:

You cannot file a claim for a pre-existing medical condition with your travel insurer. A look-back period spans 60 to 180 days before the policy’s effective date. You can notify your travel insurer of any preexisting conditions during this period. 

2. Dental Procedures:

You cannot file a claim for routine dental check-ups under your travel insurance policy. It would only cover acute dental discomfort or injuries caused by an accident while travelling. Treatment is only possible for natural teeth.

3. Loss or Damage attributable to Mental Illnesses or Suicide Attempt:

Self-inflicted injuries and suicide attempts by the insured are not covered. Claims for losses or injuries caused by psychiatric or mental conditions such as depression, emotional breakdown, schizophrenia, or bipolar disorder will not be considered. Occasionally, emergency hospitalisation bills are covered by specific policies.*

4. Medical Treatment Travel:

Most travel insurance policies only give coverage if you travel overseas for medical treatment. But only for treatments that are unavailable in India and available exclusively elsewhere.

5. Natural Disasters that Occur Before the Purchase of Your Policy:

Travel insurance covers natural disasters such as earthquakes, hurricanes, and storms. But, if you purchased travel insurance after a volcano erupted and the government issued a warning, you will not be allowed to file a claim for loss or damage.*

6. Adventurous Activities and Sports:

This one frequently needs clarification from travellers. Most travel insurance policies exclude coverage for extreme sports such as rafting, bungee jumping, scuba diving etc. These activities will be undertaken at your own risk. Before arranging a trip, remember that participation in life-threatening activities will not be covered.*

7. Unfavourable weather conditions:

If you are forced to abruptly cancel or shorten your vacation due to significant rainfall and poor weather conditions, you are not eligible for compensation from your travel insurance provider. Only if it causes the cancellation of your flight would it be covered. You cannot cancel your vacation because the forecast predicts severe rain at your destination.*

8. If you do not give the Insurer with Required Documents or Bills:

To receive the necessary compensation, you must provide all claim-related papers during the claim’s processing. You must submit all the requisite documentation and receipts to avoid denying your claim. Maintain all payment records, as your claim depends on them.*

9. If your Claim Extends Beyond Travel Insurance Coverage:

It is essential to understand the policy’s benefits and restrictions. The coverage insurance plans are specified in tiny writings on the policy paperwork. 

Conclusion:

Understanding your travel insurance’s exclusions will help you calculate correctly. With the preceding guidance, you should be able to decide and travel safely.

*Standard T&C Apply

‘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.‘