Travel expenses unfortunately have the following common exclusions for obvious reasons.
Pre-existing medical conditions
So for example, if you have conditions such as HIV, or any other expensive condition which requires lots of medication, most travel insurances will have exclusion to this because of its cost.
War or terrorism - but some plans may cover this risk
With the higher degree of risk from terrorism some insurance will cover this now but it is still commonly excluded since it is hard to predict and the cost of such an event is higher than in other times.
Pregnancy related expenses
Not only is this common but also expensive. Travel insurances will exclude this because some pregnancies can become complicated and thus increasing the risk of expensive costs due to the insurance companies.
Injury or illness caused by alcohol or drug use.
Since most people on vacation have a high risk of using drugs or alcohol it would be wise that insurance companies will not cover this. Most people when they travel unfortunately abuse drugs or alcohol thus insurance companies aren’t willing to take on the risk as injuries or illnesses caused by this are common on vacations.
Travel insurance can also provide helpful services, often 24 hours a day, 7 day a week that can include concierge services and emergency travel assistance, which is great to have in uncertain times and unknown locations.
Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip. This might seem to be alot, but it’s really a small price to pay to ensure in case of accident, you won’t have to pay millions.
Justin Hopley has traveled around a bit, and knows the importiance of travel insurance, you can find great information on his Travel insurance website.