What exclusions on Travel Insurance should you look out for?

In other words, what is NOT covered by your travel insurance ! Never make any assumptions !

UK travel insurance companies impose different exclusions and restrictions on their policies, so you should always read the small print carefully.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

Can you be refused Travel Insurance?: Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.
Is it possible to get cheaper travel insurance for a couple?: Yes, if you and your partner are travelling together, you stand to save even more money with a joint travel insurance policy.
How do you make a claim on your Travel Insurance Policy?: If you need to make a claim, contact the Insurance Company that issued your policy as quickly as possible. You’ll find full details explaining what to do in the booklet that came with your policy. Don’t forget to take the booklet and a note of your policy number with you!
Can you explain more about family travel insurance?: If you are going on a family holiday, you could get a better deal by taking out family travel insurance.
Does extreme sports insurance cover you for all hazardous activities?: You are in dangerous territory here. What kind of pursuits you can and can’t get up to will very much depend on your travel insurer’s particular extreme sports cover. If in doubt, look at your policy before you leap!

One of the most common mistakes the holiday goers makes is to assume that their travel insurance will cover them for exciting pursuits such as paragliding, in fact the majority of standard policies exclude such hazardous activities.

Even specialist travel insurance polices that cover extreme sports impose different limitations. For example, some will allow scuba diving down to 30m in depth whilst others will restrict you to 15m.

We can’t stress enough the importance of checking your policy and making yourself aware of all the exclusions. As a general guideline, you will probably find that the following exclusions apply to most policies.

If you, or anyone accompanying you:

• is not a UK resident
• has a recurring, chronic or terminal illness
• has been refused travel insurance or only allowed restrictive cover
• is the later stages of pregnancy
• is older than a specified age limit