Travel insurance is insurance that provides coverage for accidents and other losses incurred while travelling. However, the insurance company might add the exclusion clauses, which remove the insurance coverage for the specified events and choose not to insure the events. The relevant reasons include: such coverage is available under another class of insurance, the risks are not suitable to be taken up, or some special conditions are required, etc. There are numbers of categories included in the exclusion clauses of a travel insurance policy, including:
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General Exclusions |
Example(s) |
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War |
War, Civil War, invasion, insurrection, revolution, use of military power or usurpation of government or military power, direct participation in strike, riot and civil commotion |
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Intentional Acts |
An Insured Person not taking all reasonable efforts to avoid Injury or to minimize any claim under this Policy; suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril; |
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Unforeseen Circumstances |
Any prohibition or regulations by any government; any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this insurance following the warning of any intended strike by the employees of a Common Carrier, riot or civil commotion, inclement weather, natural disasters, or epidemic * If the government issues Black OTA to designated countries/territories after an Insured Person buys the travel insurance, which includes Black OTA as a part of the insurance coverage, the Insured Person can be compensated. If an Insured Person buys the travel insurance after the issuance, the insurance company would not compensate. |
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Illegal Acts |
Any prohibition or regulations by any government; confiscation, detention, destruction by customs or other authorities; an Insured Person who is a Terrorist or a Member of a Terrorist Organization; any illegal or unlawful act by the Insured Person; |
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High-Risk Activities |
Riding in any aircraft except as a passenger; mountain trekking above 5,000 metres or diving below 30 metres |
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Specific Occupation(s) |
Being as a crew member of an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labour work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort |
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Dangerous Countries |
Loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region |
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Medication |
Any loss which relates to the effects of alcohol or drugs other than those prescribed by a Physician or Doctor; |
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Pregnancy |
Pregnancy, miscarriage or childbirth; or any injury or sickness associated with pregnancy, miscarriage or childbirth; |
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Pre-existing Medical Conditions |
Any Pre-existing Condition |
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Specific Medical Conditions |
AIDS or any Injury or Sickness commencing in the presence of a seropositive test for HIV and related diseases and/or sexually transmitted disease; Psychosis, sleep disturbance disorder, mental or nervous disorders |
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Nuclear Disaster |
Nuclear risks of any nature; radioactive, nuclear pollution or contamination |
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Others |
Any medical treatment received in the course of a Trip which was made for the purpose of receiving medical treatment (need not be the sole purpose); or the Trip was undertaken while the Insured Person was unfit to travel or against the advice of a Physician or Doctor |