Last Updated: April 17, 2009March 21, 2018

All  travel insurance policies have a list of exclusions and conditions which apply.  The exceptions are generally listed in a “General Exclusions” section within the policy wording and can vary by state of residence.  Some causes for trip cancellation that are not covered include:

• Financial difficulties on the part of a traveler
• Normal pregnancy or resulting childbirth
• High risk activities such as mountain climbing, bungee jumping, skydiving, parachuting, etc.
• Pre-existing conditions or any event that occurs prior to the effective date of the insurance.
• Mental, nervous or emotional disorders
• Acts of war, civil disorder or riot
• Business to contractual obligation for  traveler

Some policies will waive the pre-existing exclusion if certain conditions are met.  Some policies have optional upgrades for cancel for work reasons and  a few companies offer specialized products for the adventure traveler. Always review your policy for the full details of any exclusion and conditions.