Travel Insurance Guide | Insurance Help Product Information | Exclusions

Typically, the exclusions relating to each sections are those which would apply to a standard personal possessions insurance policy, for example, the baggage section will exclude wear and tear, moths, vermin etc. However, there are likely to be other specific exclusions for each section within the travel policy

Personal accident

Hazardous activities such as winter sports, water-skiing, pot-holing, mountaineering or skin-diving are excluded, but can be specifically insured, either by an appropriate additional premium or by arranging a separate policy with a specialist insurer.

Medical expenses and loss of deposits

A £50 excess usually applies to both sections. Previously, policies excluded pre-existing medical conditions, however this is now deemed unfair where a past illness has no bearing on a claim, or where cancellation was due to the illness of a relative or colleague whose previous medical history could not be known. Consequently, some insurers have made a commercial decision not to exclude pre-existing medical conditions, and to offset the increased risk by charging higher premium rates.

Alternatively, insurers may require the applicant to sign a declaration to the effect that they are not aware of any medical condition likely to give rise to a claim.

Insurers may issue policies excluding death, illness or disablement where:

  • The insured persona has booked or commenced the holiday against the advice of a medical practitioner.
  • At the time of the proposal the insured person is receiving, or is on a waiting list for, treatment at a hospital or nursing home.
  • Travelling abroad to obtain medical treatment.
  • The insured person has received a terminal prognosis.

Baggage and money

A £50 excess generally applies to both baggage and money claims. Baggage losses must be reported to the local tour representative and money losses to the policy within 24 hours. Some insurers exclude losses of unattended baggage