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Do you know what is NOT covered in a travel insurance policy?

January 11, 2007 By Damian Tysdal

Travel insurance can cover a variety of situations, including medical emergencies while away from home. The same health insurance that covers you at home does not work once you leave the US.

Imagine you are in a foreign country and you get sick or have an accident

Where do you go?
Who do you call?
How can you be sure you’re getting the best care?
How is it going to be paid for?

This is why smart travelers purchase a travel medical policy, or a package policy which includes medical coverage. The purpose of travel medical insurance is to provide medical coverage while in a foreign country, because your insurance from home will not cover you.

Travel medical insurance typically includes at least $50,000 in medical emergency coverage, and usually more. There is also coverage for medical evacuation, which a the very costly process of transporting an injured person. Usually, medical evacuation involved special planes, personnel, and medical equipment. It can easily cost over $100,000 just to be taken back home.

Travel medical insurance is a great idea for all travelers leaving their home country. The cost is very reasonable, and the potential costs of treatment or evacuation can be devastating if paid out-of-pocket.

There are, however, several exclusions in a typical travel medical policy. These are situations in which benefits would not apply, and expenses are not covered.

Travel insurance companies need to exclude certain activities or situations because they greatly increase the risk to the traveler, and they are usually avoidable.

There are several exclusions, but here is a list of some common reasons why a medical claim could be denied:

Accidents resulting from extreme activities such as skydiving, hang gliding, and bungee jumpingAccidents suffered while intoxicated (this is a big one)Injuries while committing a crime or illegal activity 

Injuries suffered while riding, driving, or participating in a race

As you can see, all of these activities increase the risk for injury, and they are all choices made by the traveler. By taking part in these activities, insured or not, you are putting yourself at risk for personal injury. This is why they are excluded from coverage.

Filed Under: Learning

About Damian Tysdal

Damian Tysdal is the founder of TravelInsuranceReview, and he believes travel insurance should be easier to understand. See more from Damian on Google+.

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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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