Exceptions in Travel Insurance ~ Insurance Academy
Travel insurance or travel insurance is an important insurance for you when you want to travel. This insurance protects you from unwanted risks or incidents.
Travel insurance provides coverage for the risk of travel delays, loss of baggage and important documents, flight delays, medical costs when sick or accidental, to death benefits.
Behind these guarantees, you should understand some of the standard exceptions in travel insurance.
Pre-Existing Condition
Pre-Existing Condition is a pre-existing health condition. Illness that you suffered before traveling is not covered under a travel insurance policy.
Dangerous and extreme activities
Accidents resulting from carrying out dangerous activities such as parasailing, diving into the sea, rock climbing, and other extreme sports are not covered by travel insurance. If you really want to do such extreme sports, you need to report to the insurance company and ask the underwriter’s approval to cover the risk.
Effect of alcohol
Accidents resulting from drinking alcohol are not covered. Especially if the policyholder drives a vehicle when drunk. Claims will be rejected because such actions violate the law. Any actions that violate the law are not guaranteed
Travel for medical treatment
Travel for treatment or medical treatment abroad is not guaranteed, especially against the risk of illness and medical expenses. This travel insurance exception can only be obtained through health insurance
Pregnancy and childbirth
Travel insurance does not cover costs associated with pregnancy and childbirth. You need to ask your insurance company if complications related to pregnancy or childbirth can be covered.
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