Common Travel Insurance Exclusions

Travel Insurance Providers are getting more and more careful regarding claims and standard Travel Insurance exclusions on a policy.

Here are some of the most common Travel Insurance Exclusions of your information.

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We have laid out below the most common Travel Insurance exclusions on a policy.

Drunken Behavior: We all like a drink or a few whilst away on holiday; all policies will not cover any accidents or situations due to you drinking or taking non-prescription drugs. These rules are the levels that would be deemed illegal in the United Kingdom.

Motorcycles: If you request cover to ride a Motorcycle, you must have a UK Licence, allowing you to use the licence in the country you travel to. You are also obliged to wear a helmet and other protective clothing.

Medical Conditions: If you have a pre-existing medical condition, you must declare this when taking out a policy, or we can exclude the medical requirements from the procedure. Contact us for a quote.

Mental Illness: This is considered a pre-existing medical condition and should be declared for examples such as Dementia or Depression. Unfortunately, our Adventure policy cannot cover any mental health conditions.

Sports and Activities: If you plan any Sports or Activities whilst abroad, you should ensure these are on your Travel Insurance Certificate and you have paid the extra premium to cover the Sport or Activity.

Terrorism: Usually, medical costs are covered, but be aware that if you have travelled to a country that the Government considers unsafe, you will not be covered.

Baggage: If the Airline loses your luggage, this is in most cases between you and the airline, as it was in the airline’s possession first and foremost.