Travel Insurance

Generally, you’re asked to declare any condition for which you’ve been treated or are under medication, like depression and anxiety, diabetes, respiratory problems, central nervous system disorders, disease or damage to your brain, liver, kidney, or heart, and other terminal illnesses.  

Insurance policies provide a detailed list of what they cover and what they don’t. Therefore, before selecting one, conduct a comparison of travel insurance offerings to see what’s available. But, generally, you may not get travel protection for the following: 

• Travel to ‘dangerous zones’ with the threat of war or terrorism.

• Reasonably foreseen events like known storms.

• Participation in adventurous ‘extreme’ sports. 

• Claims that directly or indirectly allude to the use of alcohol.  

• Extended stays without extended coverage.

• Medical tourism.

• Unlawful acts.

• Unattended luggage and other personal effects. 

Withholding information about underlying conditions or medications you’re on could invalidate your travel insurance. The same is the case for accidents and injuries sustained while intoxicated.