As mentioned above, travel insurance might have exclusions that will be stated in your policy. This part of your policy lays out the conditions for when your insurer won't provide benefits if the cause of the insurance claim is related to any of the stated exclusion.
Common exclusions that you may find in your policy include:
- War? This includes rebellion, civil war, or acts of foreign enemies.
- Acts of terrorism
- Pre-existing conditions? Your insurer may not cover any medical expense if your medical emergency is caused by a pre-existing condition.
- Other health conditions such as insanity and venereal diseases
- Alcoholism and drug-taking
- Professional sports
- Suicide and any self-inflicted bodily injury? Any medical treatment needed to treat suicide attempts or self inflicted injuries may not be covered by your insurer.
- Illegal acts