Discover What Your Travel Insurance May Not Cover

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, updated on January 30th, 2024       

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Are you planning your next adventure and thinking about getting travel insurance? It's important to know what your policy covers and what it doesn't.

In this article, we'll explore the potential limitations of travel insurance that you should be aware of. From understanding specific events covered to timing your purchase, we'll provide valuable insights to help you make informed decisions.

We'll also dive into areas like coverage for mental illness, pre-existing conditions, valuables, and lost belongings. Discover what your travel insurance may not cover and ensure you have the right coverage for your journey.

  • Exclusions for Boozy and Risky Activities: Engaging in excessive alcohol consumption, illegal drug use, or risky activities may lead to exclusions in travel insurance coverage. Accidents resulting from alcohol-related incidents may be denied. Always check the policy for specific exclusions related to planned activities and disclose participation to avoid claim denials.
  • Pre-existing Conditions and Pregnancy: Pre-existing medical conditions, including pregnancy-related treatments, might not be covered by standard travel insurance. Check for exclusions, additional premiums, or specific conditions for coverage. Be transparent about pre-existing conditions when purchasing insurance to avoid claim denials.
  • Coverage for Valuables: Travel insurance may offer limited coverage for valuable items and jewellery, with capped claims and exclusions for high-value items. Check if your home insurance covers valuables and consider additional coverage for high-value items. Promptly report loss or theft to local authorities and insurers.

Understanding Travel Insurance Coverage

Understand the limitations of your travel insurance coverage. Before you embark on your journey, take the time to read and understand the details of your travel insurance policy. Insurance policies only cover certain insured events, so it's important to know what's and isn't included.

Consider your destination, activities, and health when choosing a policy that suits your needs. While price should be a consideration, it shouldn't be the only factor.

It's recommended to purchase travel insurance immediately after booking your holiday, as some policies provide coverage for events that occur before your departure. Remember, having insurance early will provide you with certainty and protection in case of unforeseen events.

Coverage for Mental Illness

When travelling, be aware of your travel insurance coverage for mental illness. Insurers' approach to mental illness coverage is changing, so it's important to read the policy closely to determine if it covers mental illness while you're travelling. Some policies may cover first-time mental illness, but it may be an optional extra. Be sure to check for any mental health exclusions in the policy.

If you have pre-existing mental conditions, you may need to pay additional fees or undergo medical assessments for coverage. It's crucial to fully disclose all pre-existing conditions accurately when purchasing insurance to avoid claim denials.

Consider purchasing a policy that specifically covers pre-existing mental illnesses to ensure proper protection during your travels.

Drawing of three happy women with bags going on holiday

Pre-existing Conditions and Pregnancy-related Treatment

Now let's delve into the coverage for pre-existing conditions and pregnancy-related treatment under your travel insurance policy.

It's important to check for exclusions on pre-existing medical conditions. While some insurers may cover single, uncomplicated pregnancies up to a certain week, multiple pregnancies and assisted reproductive programs may not be covered. Keep in mind that some insurers may require a doctor's note for coverage.

Basic policies often exclude risky activities, loss of baggage, and high-risk travel destinations.

When it comes to pre-existing medical conditions, they may not be covered by standard travel insurance. However, some insurers offer coverage for pre-existing conditions with additional premiums or conditions. It's crucial to disclose all pre-existing conditions accurately when purchasing insurance to avoid claim denial.

Consider purchasing a policy that specifically covers pre-existing medical conditions.

Coverage for Valuables and Jewellery

Travel insurance may provide limited coverage for valuable items and jewellery. It's important to note that policies may cap claims for certain items at just a few hundred dollars.

Unfortunately, high-value items, like engagement rings, may not be covered at all. To ensure adequate protection for your valuables, consider checking if your home and contents insurance policy already provides coverage.

Additionally, some travel insurance providers offer optional extra cover specifically for valuable items. Keep in mind that when it comes to lost or stolen belongings, travel insurance typically provides coverage, but there may be limits on the maximum amount covered for individual items.

Valuables, such as jewellery or electronics, may require additional coverage or proof of ownership. If you do experience loss or theft, remember to report it promptly to the local authorities and your insurer.

Exclusions for Boozy and Risky Activities

Engaging in boozy and risky activities can lead to exclusions in your travel insurance coverage. It's important to understand that accidents caused by excessive alcohol consumption aren't covered by travel insurance. If you fall or trip due to being under the influence of alcohol, your claim may be denied.

Illegal drug use is also excluded from coverage. Insurance companies may investigate your claim using various sources, including police and medical records. They may even check your social media sites to verify your claims.

Similarly, participating in risky activities, such as extreme sports, may not be covered by travel insurance. It's crucial to check the policy for specific exclusions related to your planned activities. Failure to disclose participation in these activities may result in a denied claim.

Always read the policy carefully to understand the coverage limitations.


So, before you embark on your next adventure, it's crucial to understand the limitations of your travel insurance coverage.

From mental illness and pre-existing conditions to valuables and risky activities, there are potential gaps in coverage that you need to be aware of.

By reading your policy carefully and making informed decisions, you can ensure that you have the right travel insurance to protect yourself and your belongings during your upcoming journey.

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