What Does Travel Insurance Not Cover?

Female tourist holding passport , Travel concept.

Travel insurance is a great way to protect your vacation. It can help you get back home if something happens, and it can also cover some unexpected expenses. However, travel insurance doesn’t cover everything! Make sure you know what your policy does and doesn’t cover before you buy one so you don’t be disappointed when something goes wrong while traveling.

Pre-existing Conditions.

Pre-existing conditions are a wild card in insurance. They can be difficult to define, and even more difficult to figure out if you have one.

A pre-existing condition is an illness or injury you already had when you bought travel insurance. Any type of medical condition or treatment for it—including surgeries and medications—counts as a pre-existing condition. If your doctor told you he or she could treat something but didn’t say how soon it would be cleared up, then that also counts as a pre-existing condition.

If your doctor prescribed medication before your trip, it may be covered by the policy once you’ve been approved (usually within 24 hours). But if your doctor prescribes medication after the initial application has been submitted, this too counts as a pre-existing condition and will likely not be covered by most policies unless specified otherwise on their website or brochure; some policies may require an updated medical questionnaire before covering new prescriptions at all- what travel insurance covers.

In either case, make sure to get travel insurance before leaving home!

Domestic Animals.


One of the most common questions we get from people who are looking to travel abroad is whether or not their pet will be covered. The answer is no, but it’s important to remember that there are many ways to add coverage for your pet if you want it.

  • As with any insurance policy, make sure you read through all of the fine print before purchasing something like this. Some carriers have restrictions on where they’ll cover pets and what kinds of animals they’ll accept as valid claims (for example: cats and dogs only). Others may limit each claim by age or mileage restrictions. If your animal has special medical needs or requires medication regularly while traveling (e.g., insulin shots), these policies might not be right for them either!

Monetary Losses.

Travel insurance does not cover financial losses. This includes your credit card company’s liability coverage, lost or stolen luggage, or other property. You should check with your credit card provider to see if they offer additional travel insurance coverage.

Travel Documents, Clothing and Other Personal Items.

Travel documents, clothing, and other personal items are not covered. These include:

  • A travel document that has been lost or stolen.
  • Clothing or personal items you leave at home because they’re too bulky to bring on the trip (e.g., a really nice suit).
  • Your cell phone or laptop that’s stolen from your hotel room while you’re out sightseeing- what travel insurance covers.

Extreme Sports.

Travel insurance does not cover extreme sports. This can be a bummer, especially if you’re looking to add some adrenaline to your trip. But it’s something that many travelers have come to accept as a fact of life—at least for now.

That said, there are still plenty of exciting things that travel insurance does cover! The next few sections will provide some insight into what else might be excluded from your policy and where you can go from here.

War or Military Action.

extreme sport

No, travel insurance will not cover war or military action. This is a common misconception that many people have.

War and military action include:

  • Acts of Terrorism
  • War (declared or undeclared) between two countries or more
  • Acts of War between two countries or more

Cruise Ships.

Cruise ships are not covered by travel insurance because they are considered a high-risk environment. There is a high risk of injury on cruise ships due to the many people on board, as well as elements such as water, electricity and sharp objects.

Some things are not covered by travel insurance.

As you prepare for your next trip, it’s important to know what your travel insurance covers and what it doesn’t. Most importantly, travel insurance does not cover pre-existing medical conditions or injuries. This means that if you have a condition like diabetes that requires regular medical attention and treatment, then this will not be covered by your policy. The same goes for any other chronic illness or injury that could potentially flare up while overseas.

Travel insurance also does not cover domestic animals such as cats or dogs so if you plan on bringing along your beloved pet on holidays then make sure to purchase additional coverage from another source (or take them with you)- what travel insurance covers.

Additionally, some policies do not cover monetary losses such as cash or credit cards that are stolen during travel; although many providers include these items in their policies nowadays so check with yours before going anywhere! Additionally some policies also don’t provide any coverage if something happens while driving abroad either – make sure everything is in order before hitting the road!

In the end, the takeaway is that travel insurance can be a valuable tool for those planning to travel by airplane. It may not cover everything, but it will give you some peace of mind while abroad. If you’re still not sure whether or not it’s right for you, take some time to do some research before making a decision.

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