What can travel insurance cover sometimes? These are things

What can travel insurance cover sometimes?These are things that some travel insurance policies will provide cover for, possibly as an add-on.

Pre-existing medical conditions
Your medical history is unique to you, so pre-existing medical conditions aren’t covered by a standard travel insurance policy.

If you live with any medical conditions, you should look for a policy that can cover them.

You’ll need to tell your insurer about all of the medical conditions you live with. You may not be covered if you forget to include any conditions that affect you.

COVID-19
Make sure you’re protected by your travel insurance for COVID-related reasons, both before you travel and while you’re away.

Cover for COVID should include medical expenses, cancellations, cutting your trip short, and any extras if you need to self-isolate abroad.

Winter sports
This may be covered on specialist travel insurance policies as standard, but is often an additional extra.

Winter sports insurance can cover your winter sports equipment and pay out if you’re unable to access lessons, or the slopes due to things like a lack of snow, or avalanche.

This only applies to non-professional, non-competitive winter sports.

Terrorism
Terrorism cover is often an optional extra with a travel insurance policy.

Terrorism cover can give you extra protection if you’re travelling to a high-risk country. It can be there to help you if you need to cancel your holiday due to a terrorism incident at your destination.

Look out for whether this cover is based on FCDO advice, and how close to the terrorist event your destination has to be for your claim to be valid.

24-hour emergency support
When you’re away, it’s really important to know that someone is there to help if you need it – whenever it happens.

Your travel insurance provider may have a 24-hour emergency support helpline, which can be a real help if something goes wrong on your holiday.

Travellers of any age
Everyone deserves to be insured to go away, but some travel insurers may have upper age limits on their policies. Some of these can be as low as 59!

If you’re over 60, look for an insurer that has no upper age limit to make sure you’re covered.

Always check your policy documents for any limitations on age. Even if the insurer has no upper age limit for a policy, they may still have age limits for certain things like sports and activities.

Gadget cover
Just like single items of higher value, many of us now have gadgets (mobile phones, cameras, tablets and e-readers) that we want to make sure are protected when we go away.

Gadget cover may come as standard in some cases, but it might also come as an optional extra for additional cover for your gadgets.

Check the definition of what is considered a gadget by your insurer as well as the limits on cover.

Find out more about how our Gadget Cover works and exactly what it covers.What does travel insurance not cover?
These are some of the standard things that most travel insurance policies won’t cover you for.

Change of mind
Your travel insurance policy will not cover you if you want to cancel your holiday because you no longer want to go. If you want to cancel your trip, you will need to speak to the travel company that you booked with.

Alcohol and controlled substances
Travel insurance policies, like any form of insurance, don’t cover you for negligence.

One of these examples is if something unexpected were to happen while you were under the influence of excessive amounts of alcohol or controlled substances.

Extreme sports and activities
Some sports can be covered through add-ons (such as some winter sports) but there are others that are excluded.

You can usually find a list of the excluded sports and activities in your travel insurance policy documents.

If cover is not included for your sports or activity you may be need to take out a specialist insurance policy for them.

Professional and competitive sports
Most travel insurance policies are designed for holidays, which means professional sports and their related risks won’t usually be covered.

Expected childbirth and pregnancy
Travel insurance is unlikely to cover you for cancelling or cutting your trip short due to your pregnancy within a certain timeframe of your due date.

The specific timeframe can differ between insurers but it’s often within eight weeks (16 in the case of multiple pregnancies) of your expected due date.

You also often won’t be covered for any medical expenses abroad if you have a ‘normal’ yet unexpected childbirth abroad at any time. This is worth bearing in mind as the average cost for a ‘normal’ delivery in countries such as the USA is between $5,000 – $11,000.

Travel for medical procedures
Unless agreed in writing beforehand, your travel insurance won’t be able to cover you if you travel for the specific purpose of undergoing medical procedures/treatment or seeking medical advice.

FCDO advice against ‘all travel’
When the FCDO advise against ‘all travel’ you usually won’t be able to take out travel insurance to that country.

Travel providers often base their services around FCDO advice, so it’s unlikely that flights etc. will be available to countries where the FCDO advise against ‘all travel’ to.

Refused entry at your destination
If the country you want to travel to isn’t allowing entry to arrivals from the UK, your travel insurance won’t usually be valid.

Watch Also: https://www.youtube.com/@TravelsofTheWorld24