lifestyle Post

8 Things Travel Insurance Does Not Cover

Purchasing travel insurance can be a lifesaver, whether you’re taking a domestic vacation or embarking on an international adventure—especially when it comes to trip insurance for flights, travel interruption insurance, and medical coverage while traveling. Many people, including seniors and families, turn to companies like Manulife global travel insurance or get travel insurance online for a comprehensive quote to protect themselves from unforeseen circumstances. However, not everything is covered by your travel insurance policy. Here are eight surprising things travel insurance does not cover: 1. Pre-existing medical conditions Many travel insurance policies exclude coverage for pre-existing medical conditions unless you specifically purchase a rider to include them. This means that if you have a known health issue, such as diabetes or heart disease, and you experience complications related to it during your trip, you might not be covered. 2. High-risk activities If you’re planning on engaging in high-risk activities such as skydiving, bungee jumping, or scuba diving, you may need to purchase additional coverage or find a policy that specifically includes these activities. Many standard travel insurance policies exclude high-risk activities due to the increased likelihood of injury or accidents. 3. Alcohol or drug-related incidents Travel insurance generally does not cover any accidents, injuries, or illnesses that result from the excessive consumption of alcohol or use of drugs.