Policy exclusions

General exclusions

This section of the policy wording details the list of exclusions which apply to all sections of the policy. There are some terrifying events and circumstances covered by some of these exclusions such as war, nuclear accidents and attacks, biological and chemical terrorism or epidemics and pandemics. You will find these exclusions or ones like them in almost all insurance policies. Other general exclusions relate to fraud and dishonesty, bankruptcy of your travel agent and losses arising when the insured person is acting in an irresponsible manner.

Medical Exclusions

Medical exclusions generally cover pre-exisiting conditions, medical treatment without the consent of the insurance company and medical bills in your country of residence.

Exclusions for baggage & personal effects

These exclusions highlight losses that will not be covered for example wear, tear, damage to older personal effects and losses not reported to the police.

Liability Exclusions

Exclusions here deal with incidents that are not covered within the policy, for example liability arising from the operation of mechanically propelled vehicles (bikes are OK) any professional activity or losses where the insured person accepts liability without agreement of the insurer.