As with other types of insurance, travel insurance policies will include a list of exclusions. These items are occasions in which the insurance will not cover you or personal losses. Most often, this will include severe weather conditions, natural disasters, volcano eruptions, terrorism, war, or civil uprising. While it is absolutely possible to find a travel insurance policy to cover these occasions, most of the inexpensive plans will not.
Depending on your trip, it is important to choose a travel insurance policy with the fewest exclusions possible. Pay attention to these while reading through the policy, and ensure to declare any pre-existing medical conditions you may have. Failure to do so will nullify all coverage. Many policies will not cover certain pre-existing medical coverage, and you may have to purchase and add-on to include this. Talk to your insurance provider about the exclusions, and be sure to ask which plan they’d recommend for the trip you’re about to take.
It is essential to remain vigilant in knowing the medical exclusions and conditions for your policies. You don’t want to get caught in a high-cost country and need to see a doctor—one visit could cost hundreds of dollars. Similarly, traveling to parts of the world experiencing conflict, while an incredible opportunity, will likely come at a huge cost. If your insurance doesn’t cover phenomena that may occur during civil unrest, you’ll have to purchase an add-on—and that can be expensive.
Here’s the bottom line: Your travel insurance is not likely to cover every aspect of your trip, and that is to be expected. If you know that your destination comes with some type of threat—whether it be a volcano eruption or the threat of war—as your insurance provider about the added costs of coverage. If you go on vacation and realize that the catastrophic event happening is one of the exclusions, you could end up spending thousands of dollars to get out.