What is International Travel Insurance?

While international travel insurance offers financial protection against multiple risks, there are a few clear exclusions, and knowing them early saves you from surprises later:

• Pre-existing medical conditions

  If you already have a medical condition, it is not covered by default. You need to opt for the relevant add-on. Without it, any treatment or complication linked to that condition will not be included.

• Travel to high-risk countries

  If you’re heading to a destination that’s under a travel advisory or is considered high-risk due to war, civil unrest, or political instability, coverage may not apply there.

• Adventure sports and hazardous activities

  Love bungee jumping, skydiving, or deep-sea diving? Those activities are typically excluded unless you specifically add adventure sports cover to your policy.

• Losses due to alcohol or drug influence

  Any injury, accident, or loss that occurs while you’re under the influence of alcohol or drugs is not covered. This applies to both medical emergencies and other claims.

• Intentional self-injury or suicide

  Any harm you cause to yourself, whether intentional or during a suicide attempt, is excluded from coverage.

• Travel for medical treatment

  If the primary reason for your trip is to seek medical treatment abroad, that’s not covered under standard travel insurance.

• Losses not reported to local authorities

  For theft, loss, or damage claims, you’ll need to file a report with local police or relevant authorities. Without that documentation, your claim could be rejected.

• Non-disclosure or misrepresentation

  If you provided incorrect information or withheld relevant details while buying the policy, any claim arising from that can be denied.