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Travel insurance exclusions

There are some exclusions and circumstances under which the insurance company is not liable to make any compensation under a travel insurance policy. Find out more about these.

Apnainsurance.com Research Bureau

11 Jan 2008


Some major exclusions and circumstances under which the insurance company is not liable to make any compensation under a travel insurance policy are:

  • Medical expenses incurred towards the treatment of any pre-existing illness (unless of life threatening nature)
  • Pregnancy or complications related to the same (unless of life threatening nature)
  • Suicide, self inflicted injury, or illness
  • Mental disorder, anxiety, stress, or depression
  • Venereal disease
  • Alcohol/drug abuse
  • HIV/AIDS


Other exclusions include:

  • Traveling against the advice of a physician
  • Receiving a specified medical treatment declared in the physician's report
  • Traveling for the purpose of obtaining treatment
  • Your doctor has diagnosed your medical condition as terminal
  • You are caught in the midst of a war or nuclear perils
  • Flying as a passenger on aircraft other than properly licensed aircraft to carry passengers
  • You are a participant in professional sports or hazardous sports such as mountaineering, riding in races, driving in rallies
  • You are liable in an accident on a two wheeler unless you had a valid international license and were wearing a safety crash helmet
  • Losses from accidents on two wheeled motorized vehicles over 50cc
  • Moreover, if your passport gets lost or is stolen when left unattended and you do not inform the authorities, the insurance company is not liable to compensate for any losses.
  • Also, in case of loss of checked-in baggage, no partial loss or damage is payable. The company will also not pay for the loss of valuables, money, securities, tickets etc. for baggage claims.


See also:

Do I need overseas travel insurance?

Different overseas travel insurance covers

Travel insurance groupings

Travel insurance exclusions
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