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

What are the different types travel insurance and which should you choose?: Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
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.
Will you able to claim in the event of a terrorist attack?: Unfortunately, travel insurance companies rarely cover acts of terrorism.
Why is there a need for a special backpacker’s travel insurance?: More and more people are taking off around the world or studying abroad for long periods of time – this has created the need for a special type of insurance, which is commonly known as backpacker travel insurance.
Is there such a thing as golf travel insurance?: Yes, you can get specialist golf travel insurance which is good news for enthusiasts who will know only too well the difficulty of finding suitable cover for golfing holidays.

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 canâ€™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