Policy Exclusions: Understanding What Your Travel Insurance May Not Cover


You purchased travel insurance when arranging the yearly family vacation abroad. But the trip had to be cancelled for whatever reason, and you considered claiming it. However, you quickly learn that the claim did not cover the reason for the cancellation. You sense betrayal and frustration. You believe purchasing travel insurance was a waste of money and not worth it.

You can prevent these situations by being aware of what your policy covers. It is important to always carefully read the policy documents to determine what your travel insurance covers and does not cover.

Trip Cancellations Are Not Covered By “Everything” In Travel Insurance

While most online international travel insurance policies cover cancellations for specific reasons, not all are covered. For instance, your travel insurance company will not reimburse you because you don’t want to travel.

In a medical emergency, you must submit the claim with a doctor’s recommendation and supporting medical records. Trip cancellations due to illness in the extended family are not covered.

Engaging In Sports And Other High-Risk Activities Will Not Be Covered

Many enjoy sports that provide an adrenaline rush when we travel. However, most travel insurance policies don’t pay claims for injuries sustained while participating in sports.

Nonetheless, specific travel insurance policies cover a particular category of adventure sports. Therefore, discussing the policies with your insurance provider before participating in any sporting events is advisable. If your policy doesn’t cover the activity, consider upgrading.

Each Provider Of Travel Insurance Has A List Of “Exclusions”

The inclusions and exclusions of any travel insurance policy are predetermined and included in the policy. You should go over and carefully read this list.

For instance, the following are not covered by an online international travel insurance plan that you purchase:

  • Cancellation by tour operator
  • Wars or small-scale protests
  • Previous health issues
  • Damage to keys, cash, or credit cards due to baggage delays of less than twelve hours
  • Sports-related injuries
  • Pet sickness or demise 
  • Pregnancy and delivery
  • Self-harming wounds
  • Separation or divorce from a spouse
  • Taking part in risky adventure sports
  • Injuries brought on by alcohol, drugs, or narcotics when not prescribed or administered by a doctor.

To ensure you are not caught off guard in an emergency, it is essential to read and comprehend what is and is not covered by your policy. Ensure that you carry out the Bajaj Allianz travel insurance renewal on time. *

A thorough understanding of policy exclusions is imperative for anyone seeking travel insurance, as it sheds light on the scenarios and circumstances that may not be covered. By being aware of these exclusions, travellers can make informed decisions, supplementing their policies to ensure comprehensive protection during their journeys. This awareness not only prevents unwelcome surprises but also empowers individuals to navigate their travels with greater confidence and peace of mind, knowing the limitations of their coverage. Securing travel insurance for Schengen countries is essential to meet the mandatory visa requirements and ensure comprehensive coverage during your European visit. Claims are subject to terms and conditions set forth under the travel insurance policy. *

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*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.