Travel insurance can feel like a safety net, but many travelers are surprised by what it doesn’t cover. These exclusions can make your trip more tricky. Here are some common things that might not be covered:
Pre-existing Conditions: If you have health issues that you had before getting the insurance, those emergencies might not be covered. If you’ve dealt with a serious health problem before, you could end up paying for any related medical costs yourself.
Extreme Sports: If you plan to do high-risk fun like skydiving or scuba diving, your insurance might not help if something goes wrong. You usually need to buy a special policy that covers these activities to get any help.
Travel Warnings: If the government warns against traveling to a certain place, your claims might not be accepted. This means you could lose a lot of money if you have to change plans because of safety issues.
Non-refundable Expenses: If you need to cancel flights or hotel stays for reasons the insurance company doesn’t accept, you might lose the money you spent.
To avoid these problems, it’s a good idea to read through your insurance policy carefully before buying it. Try to find options that include coverage for extreme sports or for health issues you had before. Talking to a travel insurance expert can help you get the right coverage that fits your needs and gives you peace of mind while you travel.
Travel insurance can feel like a safety net, but many travelers are surprised by what it doesn’t cover. These exclusions can make your trip more tricky. Here are some common things that might not be covered:
Pre-existing Conditions: If you have health issues that you had before getting the insurance, those emergencies might not be covered. If you’ve dealt with a serious health problem before, you could end up paying for any related medical costs yourself.
Extreme Sports: If you plan to do high-risk fun like skydiving or scuba diving, your insurance might not help if something goes wrong. You usually need to buy a special policy that covers these activities to get any help.
Travel Warnings: If the government warns against traveling to a certain place, your claims might not be accepted. This means you could lose a lot of money if you have to change plans because of safety issues.
Non-refundable Expenses: If you need to cancel flights or hotel stays for reasons the insurance company doesn’t accept, you might lose the money you spent.
To avoid these problems, it’s a good idea to read through your insurance policy carefully before buying it. Try to find options that include coverage for extreme sports or for health issues you had before. Talking to a travel insurance expert can help you get the right coverage that fits your needs and gives you peace of mind while you travel.