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.