Once you have bought travel insurance, you can assume that it covers all aspects of travel. However, this is mostly not the case. As such, Sasha a blogger from Southwest Appliance Repair says on a recent post that many travelers are frustrated on realizing that not everything is covered by their travel insurance. So, before you buy travel insurance, find out what the policy covers. If necessary, buy special add-ons to ensure that exclusions are covered. Here are some of the things that are not covered by travel insurance.
Losses from Pre-Existing Conditions
Most travel insurance policies do not extend to pre-existing health conditions. Pre-existing definition depends on timing of the day the condition was diagnosed and when travel insurance was purchased. But, travel insurance coverage does not include losses that occur as a result of a condition for which you had treatment or symptoms during your look-back period.
Travel insurance does not cover regular dental care. However, it may cover dental trauma under certain circumstances. For instance, travel insurance may cover damage to natural teeth that are sound.
Losses Occasioned by Emotional or Mental Disorders
Claims that involve emotional or psychiatric disorders like depression, bipolar disorder, or schizophrenia are not covered by most insurance policies for travelers. Only on rare cases does travel insurance cover these conditions especially when hospitalization becomes necessary.
Medical Procedures Travel
Most travel insurance covers do not cater for issues that may arise for individuals traveling to undergo medical treatment. For instance, your travel insurance won’t cover overseas travel when going for a medical procedure that is too expensive or unavailable at home.
Childbirth and Pregnancy
If you give birth or you travel when pregnant, your insurance won’t cover child birth expenses and pregnancy-related expenses. However, you can have the associated complications covered by your travel insurance. But, it’s important to check with your insurer carefully to know what exactly is covered and take appropriate measures.
Other things that are not covered by travel insurance include natural disasters if they start before purchasing the insurance, risky sports and activities, medical evacuation, and some personal, favorite stuff. To be on the safe side, find out what exactly is covered by your travel insurance and buy special add-ons if necessary.