6 Things Travel Insurance Doesn't Cover


Farah Fazanna •  Jul 27, 2023

Travel insurance is an essential aspect of any trip, providing peace of mind and financial protection against unforeseen events. However, not all travel insurance policies are created equal, and there are certain activities that may not be covered by standard plans. As more travellers seek adrenaline-pumping adventures, it becomes crucial to understand what activities may fall outside the scope of typical travel insurance coverage. Let's explore some of the common adventurous activities that might not be covered by travel insurance policies!

6 things travel insurance doesn't cover

1. High-risk activities

Most travel insurance policies exclude coverage for high-risk activities that involve a higher chance of injury or accidents. These activities are often categorised as extreme sports or adventure sports and may include bungee jumping, skydiving, paragliding, and base jumping. These activities pose significant risks to participants and are generally excluded from standard travel insurance plans due to the potential for serious injuries or even fatalities.

While these activities provide an adrenaline rush and unforgettable experiences, travellers engaging in them should be aware that they may need to purchase specialised adventure sports insurance to ensure proper coverage.

2. Water Sports and Aquatic Activities

Water sports and aquatic activities can be a significant part of any tropical or coastal vacation. Activities like snorkelling, scuba diving, jet skiing, and kayaking are exhilarating ways to explore marine environments. However, standard travel insurance plans may not include coverage for injuries or accidents sustained while participating in these activities.

The exclusion is typically due to the increased risks associated with water sports, such as potential accidents, equipment failure, or encounters with marine life. If you plan on indulging in water-based adventures during your trip, consider purchasing a separate water sports insurance add-on or a specialised policy that covers these activities.

Check out which travel insurance is for you here!

3. Winter Sports and Skiing

Winter sports, including skiing, snowboarding, and ice climbing, are popular among travellers seeking snowy escapades. However, these activities are often excluded from standard travel insurance policies due to the inherent risks involved in cold-weather sports.

Accidents on the slopes can result in serious injuries, and the costs of medical evacuation from remote mountainous areas can be exorbitant. To ensure adequate coverage during your winter adventures, look for policies specifically tailored to winter sports or purchase additional coverage as needed.

4. Motorised Vehicles and Racing

Renting motorised vehicles, such as motorcycles, mopeds, or all-terrain vehicles (ATVs), can be an exciting way to explore a new destination. However, insurance policies may not cover accidents or injuries sustained while operating these vehicles. Motorised vehicle accidents can be particularly dangerous, and driving regulations may differ significantly from your home country. Before renting any motorised vehicle, thoroughly read the rental agreement, wear appropriate safety gear, and consider purchasing additional coverage to protect yourself.

Check out this article to find out what to do when your luggage goes missing during travelling!

5. Participation in Illegal or Reckless Activities

Engaging in illegal activities, such as drug use or other unlawful actions, may result in the denial of travel insurance coverage. Similarly, participating in activities deemed reckless or negligent, even if not explicitly illegal, might void insurance coverage. Travellers must always exercise good judgment and adhere to local laws and customs while abroad to avoid compromising their insurance coverage.

6. Not Having a Proper Documentation

Having proper documentation is the key to a worry-free travel insurance experience! When you need to make a claim, make sure to provide the necessary paperwork to ensure a smooth reimbursement process.

Let's go through some scenarios where documentation is essential:

  • For trip cancellation due to Covid-19, visit a doctor for a test and obtain a doctor's note confirming your unfitness to travel. While a home test won't cut it for your claim, your doctor's note will do wonders for your coverage!
  • If your flight experiences a delay and you end up booking a last-minute hotel, get proof of the delay from the airline to file a travel delay insurance claim. Your reimbursement awaits with proper documentation!
  • Should you face the unfortunate situation of baggage loss after arriving at your destination, don't worry! File a baggage loss travel insurance claim with a police report or documentation from your tour organizer or hotel manager. Don't forget to include receipts for the lost items in your claim as well!
  • In case you fall ill during your trip and need to cut it short, don't forget to visit a local doctor and ask for a written diagnosis. Your word about feeling unwell won't be enough for a successful trip interruption insurance claim, but with proper documentation from a physician, you're good to go!

Remember, keeping everything well-documented ensures you can fully enjoy your travels without any insurance worries. So, keep those papers organized, and let your travel insurance take care of the rest!

While travel insurance is a valuable safety net for most travellers, it's essential to be aware of the limitations and exclusions that may apply, especially when engaging in adventurous activities. High-risk activities like bungee jumping, skydiving, and winter sports, along with water sports, motorised vehicles, and illegal or reckless actions, often fall outside the scope of standard travel insurance policies.

Before embarking on your journey, carefully review your travel insurance policy to understand its limitations. If you plan to participate in adventurous activities, consider purchasing specialised insurance coverage to ensure you are protected during your daring escapades. Being well-informed and adequately insured will grant you the freedom to enjoy your adventures while minimising potential risks and worries.