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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