- Travelling outside your home country
- Medical expenses not associated with a hospital stay
- Loss of possessions
- Accidents while using cars or public transportation
Pre-existing conditions happened before you had coverage. Most policies exclude pre-existing medical conditions. Disclose any when purchasing or your claim may be denied.
- Lost luggage and flight delays are generally covered.
- High risk activities like skiing, mountain climbing, and scuba diving are often excluded.
- Intoxication and drug use accidents are not covered.
- Purchase insurance before a storm is named to be covered for weather cancellations.
- Understand what’s covered and not covered to make an informed decision about purchasing travel insurance.
Does Travel Insurance Cover Airline Failure?
Travel insurance policies list covered cancellation reasons. Cancellations for medical reasons need doctor recommendation and documentation. You cannot simply cancel a trip if a family member is sick without a doctor’s recommendation.