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What Travel Insurance Doesn’t Cover (Exclusions)

There’s one exception to the exclusions: You can get policies that let you cancel your trip for any reason. Click here to see the details
You need to know what travel, cruise & trip insurance doesn’t cover because “the devil’s in the details”. Don’t assume everything’s covered.

Travel Insurance Doesn’t Cover Everything – Just “Listed Unforeseen Events”. The only way to know for sure what is & isn’t covered is to look in each plan’s Terms & Conditions.

Here’s a list of each plan’s Terms & Conditions

All the links below will open a new browser window

CSA Freestyle Plan Details

CSA Freestyle & Freestyle Luxe Description of Coverage/Policy:

CSA Freestyle Certificate CSA Freestyle Luxe Certificate

Global Alert Preferred and Plus

Global Alert Essentials Certificates (1/3 of the way from the top)
Global Alert Preferred Certificates Global Alert Preferred Plus Certificates

MH Ross

MH Ross Asset Description of Coverage MH Ross Asset Plus Description of Coverage
MH Ross Bridge Description of Coverage MH Ross Complete Description of Coverage

Travelex Travel Select Plan Details

All US States’ Description of Coverage

Travelex Travel Max Plan Details

All US States’ Description of Coverage

Travel Guard Plan Details

Go here to Travel Guard’s main page – After you enter your state or province, you can find everything you need for each plan. The Terms and Conditions are called DOC.

Travel Insured Worldwide Trip Protector Plan Details

All other US States’ Certificate FL residents Certificate

Travel Insured Plus Plan Details

All other US States’ Certificate FL residents Certificate

TravelSafe Classic Plan Details

TravelSafe Classic Plan Documents
TravelSafe Classic Plus Plan Documents

Travel Insurance Doesn’t Cover Everything – Just “Listed Unforeseen Events”. Here’s a list of what’s commonly not covered:

Trip Cancellation / Interruption Travel Insurance never covers you for:

Travel Insurance doesn’t cover some of the following because there’s no need for it to cover you. For example, if your cruise ship’s propellers break causing your cruise to be cancelled, it’s the cruise line’s responsibility to take care of you.

  • Any trip where the purpose of the trip is to obtain medical treatment
  • Routine medical treatment from a known medical condition
  • Pre-existing medical conditions (this exclusion can be waived)
  • Travel supplier financial default (this exclusion can be waived)
  • Frequent flier tickets / miles, vouchers, award travel, face value of free trips & credit card miles. Learn more here.
  • Wanting to return home early
  • Not feeling safe to travel, except Cancel For Any Reason Plans
  • Business or contractual obligations
  • Failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements – This means that if the travel supplier changes the itinerary, but still gives you a similar trip, there’s not a valid claim with a Travel Insurance plan (all plans have this exclusion). note: this is different from Financial Default.
  • Unfavorable weather. Trip Cancellation / Interruption for bad weather is different from going to Cancun and having it rain the whole time. You won’t have much fun, but unless the bad weather prevents you from getting there, you won’t have a valid claim.
  • Your financial circumstances (“I can’t afford to go”)
  • War (whether declared or undeclared)
  • Mental, psychological or nervous disorders including anxiety, depression, neurosis or psychosis
  • Travel arrangements cancelled by tour operator, airline, or cruise line – for example, a tour doesn’t have enough participants. If they cancel it they have to refund your money
  • Change in plans (“I just don’t want to go”), except Cancel For Any Reason Plans
  • Pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy threatening the life of the mother or child;
  • Any government regulation or prohibition
  • Your school board cancels your child’s trip
  • Intentionally self-inflicted Injury, suicide, or attempted suicide while sane or insane;
  • Participation in athletic events, motor sport or motor racing including training or practice for the same;”.
  • Extreme, high risk sports including but not limited to: diving, bodily contact sports; skydiving; hang gliding, bungee jumping, parachuting; mountain climbing or any other high altitude activities, caving, heli-skiing, extreme skiing, or any skiing outside marked trails;
  • Scuba diving (unless accompanied by a dive master and not deeper than 130 feet);
  • War or act of war, whether declared or not, civil disturbance or insurrection;
  • Military duty or service;
    • Except, CSA includes: “being called into active military service to provide aid or relief in the event of a natural disaster”
    • Except, Travel Guard includes: (if bought before the 14 day deadline): “military duty (the Insured having his/her leave revoked or being reassigned with 10 days of departure date)”.
  • Operating or learning to operate any aircraft, as student, pilot or crew;
  • Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
  • Loss or damage caused by detention, confiscation, or destruction by customs;
  • Any unlawful acts, committed by the Insured, Family Member, or a Traveling Companion, whether insured or not;
  • Nuclear reaction, radiation, or radioactive contamination;
  • Civil disorder or riot;
  • If the Trip Departure Date and Trip Completion Date does not reflect the Insured’s intent to start and end his/her trip on those dates;
  • If the Insured’s tickets do not contain specific travel dates (open tickets);
  • Alcohol or substance abuse, or related illnesses;
  • Any expected or foreseeable events.
  • Operating or learning to operate any aircraft as pilot or crew;

These are the most common exclusions. In order to know exactly what is and isn’t covered you need to review the actual policy wording from the links above.


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PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording. Click here to get each plan's complete details of coverage.


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