What International Travel Insurance Does Not Cover?

International travel insurance is a financial safeguard that protects travellers from unexpected expenses such as medical emergencies, trip cancellations, and lost baggage. However, travel insurance for international travel does not cover everything. Certain exclusions are there which lead to claim rejections if you’re unaware of them. Let's Understand it in detail

Pre-existing Medical Conditions

Most international travel insurance policies do not cover pre-existing medical conditions like diabetes, hypertension, or asthma, If you need medical attention abroad due to these conditions, you will be responsible for your expenses. However, some insurers offer special add-ons to these pre-existing conditions and ensure you check the policy terms before travelling.

Pro Tip: Always declare any existing health conditions while buying travel insurance to avoid claim rejection.

Injuries Due to Alcohol or Drug Use

If you suffer an injury or medical emergency, such as an accident while under the influence of alcohol or drugs, your insurer may reject your claim. While social drinking isn’t an issue, any incident related to excessive alcohol consumption may void your insurance coverage.

Pro Tip: Always be cautious when consuming alcohol during your travels.

High-Risk & Adventure Sports

Many travellers assume that their travel insurance cover includes adventure sports, but most policies reduce high-risk activities such as skydiving, scuba diving, bungee jumping, mountaineering, skiing, or snowboarding in off-track areas.

If you’re planning such activities, make sure your insurer offers an add-on for extreme sports coverage. Otherwise, any injuries or accidents related to such activities won’t be covered.

Pro Tip: If adventure sports are part of your itinerary, buy an additional rider to get coverage.

Pregnancy and Childbirth Expenses

Most standard travel insurance policies do not cover pregnancy-related expenses, including routine check-ups, childbirth, and other complications related to pregnancy (unless it is a medical emergency).Some insurers may cover emergency pregnancy-related hospitalisation, but elective procedures and normal deliveries are excluded.

Pro Tip: Pregnant travellers should consult their doctor before flying and choose a policy that offers maternity coverage add-ons.

Loss of Unattended Belongings

Travel insurance generally covers baggage loss, but if your belongings are left unattended, your claim might be rejected. Some of the examples are as follows :

• Leaving your phone or laptop in a café or taxi

• Forgetting your bags at the airport

• Keeping valuables in checked-in baggage (many policies exclude high-value items)
  To increase your chances of reimbursement, always file a police report immediately after a loss.

Pro Tip: Don’t put expensive items in the check-in baggage.

Cancellations for Non-Emergency Reasons

Travel insurance does not cover trip cancellations due to personal reasons such as Changing your mind about travelling, work-related commitments, or minor illnesses like a cold or mild fever. However, if the cancellation is due to severe illness, natural disasters, or flight disruptions, your insurer may compensate you as per the policy terms.

Pro Tip: Opt for a ‘Cancel for Any Reason’ (CFAR) add-on, if you want flexibility in cancelling your trip.

Travelling to High-Risk Destinations

If a government issues a travel advisory against visiting a country due to war, terrorism, or a disease outbreak, insurers may refuse to cover losses incurred there.

Pro Tip: Always check your government’s travel advisories before booking a trip.

Legal Violation and Unlawful Activities.

If you engage in any unlawful activities during your trip, your travel insurance for international travel will not cover any losses or medical expenses.If you are arrested or fined, due to participating in protests or getting injured while trespassing on restricted property, your insurer will not provide financial or legal assistance.

Pro Tip: Always familiarise yourself with the local laws and regulations of your destination to avoid legal trouble that could impact your travel insurance coverage.

Conclusion

While travel insurance for international travel provides financial protection for international travel, it doesn’t cover everything. Many travellers overlook exclusions, which can lead to unexpected claim rejections. To stay protected, always read the fine print and choose a policy that fits your travel needs.

Niva Bupa health insurance offers comprehensive coverage, emergency medical support, and cashless hospitalisation worldwide. They offer comprehensive health policies at affordable premiums, making them accessible to everyone. 

Before your next trip, secure a reliable travel insurance policy to safeguard your finances!