Travel Insurance: limits

Travel Insurance is designed to cover you for unexpected emergencies that occur in the course of an adventurous holiday. Here are exceptions to travel cover...

1. Pre-existing medical conditions before you travel Cost incurred due to the existing condition are not covered, you can still take out travel insurance for other purposes (robbery, sports, injury, etc).

2. Deliberately putting your life in danger

Travel Insurance will not cover you if you put yourself in extreme situations where survival is unlikely or injury is highly likely. Having your picture taken beside a lion outside of your safari vehicle is not covered.

3. Claims involving alcohol or drugs

Insurance companies use this as grounds for not paying a claim, from their point of view - when drunk you take extra risks, you're not in control. Be prudent and keep your valuables safe before going on a night out.

4. HIV or other STD's

Not covered - so safe sex as always is important.

5. Illegal Activities

If you commit a crime overseas or get engaged in anything illegal, the insurance company will not cover you for any loss or damages you encounter.

Learn more about planning your holidays and how to get cheap flights.