BEFORE YOUR TRIP
5. LOSSES DUE TO MENTAL OR EMOTIONAL DISORDERS
Most travel insurance policies do not cover claims involving psychiatric or emotional disorders such as schizophrenia, bipolar disorder, or depression.( In rare cases policies may cover these conditions if hospitalization is required.)
6. TRAVEL FOR MEDICAL PROCEDURES
Most trip insurance will not cover issues that arise for those traveling specifically to get medical treatment( such as procedures available overseas that are not available or are too expensive at home).
7. PREGNANCY AND CHILDBIRTH
If you are pregnant and give birth while traveling, your travel insurance coverage generally will not include childbirth expenses. You might, however, have coverage for complications associated with pregnancy or childbirth. We need to check possible policies carefully in advance if you’ re planning to travel while pregnant.
8. RISKY ACTIVITIES AND SPORTS
Many travel insurance policies exclude losses due to adventure sports such as bungee jumping, backcountry skiing, snowboarding, rafting, caving, sky diving, scuba diving and the like. Some policies take this even further, applying exemptions for any sports involving bodily contact.
9. SOME ITEMS IN YOUR BAGGAGE
Baggage delay, damage, and loss policies don’ t cover everything in your bags. Common travel insurance exclusions include glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones. In some cases these items are covered but only up to a certain dollar limit, so if you have multiple expensive electronic items( such as a laptop, a tablet, and a cell phone), you might not have enough coverage to pay for the loss of all such items.
10. BAD WEATHER LIMITING ENJOYMENT OF THE VACATION
Travel insurance tends not to cover weather that limits your activities on a trip. For example, you’ re covered if the weather is bad enough to delay or cancel your flight, but not if it pours during a jungle hike. And unless you bought a“ cancel for any reason” rider, you can’ t call off your beach vacation just because the forecast calls for rain and clouds.
11. FLIGHTS PURCHASED WITH MILES
Most policies do not cover flights purchased with miles or points. They may cover associated fees if you decide to cancel or change an award fare, however.
12. SECURITY DELAYS OR OVERBOOKED FLIGHTS
Most policies typically won’ t protect you if you miss a flight due to long airport security lines, or if you’ re bumped from an overbooked flight and miss a subsequent connection or cruise departure.
13. LOST RESERVATIONS OR DOUBLE-BOOKED ACCOMMODATIONS
Most travel insurance coverage doesn’ t include certain lodging problems, such as a lost reservation. Rely on your travel advisor to help solve this type of problem. And if you booked your vacation rental through us but find someone else occupying it when you arrive we will work to solve that for you.
14. LAST-MINUTE CHANGES
If your cruise line or tour operator makes a last-minute itinerary or excursion change, travel insurance typically won’ t cover any travel issues caused by it, unless it involves complete curtailment. Once again, that’ s where the services of a travel advisor are golden.
15. ANYTHING FOR WHICH YOU LACK DOCUMENTATION
If you don’ t have a solid paper trail for all causes and costs involved in your claim, your chances of reimbursement go down. Keep detailed records.
16. ANYTHING NOT IN THE LIST OF COVERED ITEMS
Travel insurance works largely by inclusion of items specifically noted to be covered, and anything not mentioned is likely not covered. However, if you have a particular item you want covered we can work with the insurance company to possibly arrange for you to purchase an appropriate add-on.
Please also note that travel insurance policies change quite often, we are here to keep you up to date on the latest changes that may not be reflected in this section.
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