I’m a holiday expert and here are the nine things your travel insurance DOESN’T cover


Holidaymakers know it’s important to carry travel insurance in the worst-case scenario – but do you know what you’re actually covered for?

travel Insurance Helps you make claims if you need emergency medical treatment, have your luggage stolen while you’re away, or have to cancel a trip due to death, illness, or bereavement.


Having the right insurance can make traveling a lot less stressful.credit: Getty Images – Getty

But there are many things that travel insurance Does not cover – especially if you choose a basic policy.

Kelly Whittington, specialty claims director for Aviva UK, said problems often arise when people think they are covered, only to find out they are not when they go to claim.

“It’s really important that people check their policy documents to understand what’s and what’s not covered,” she said.

“Read through your policy documents — they’ll explain what scenarios are covered and any exclusions — and check with your insurer if you have further questions.”

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change one’s mind or make a mistake

Buying a vacation isn’t the same as buying a new coat—you just can’t return it if you change your mind.

Travel insurance probably won’t help you if you suddenly decide you don’t want to go any further. Holiday Kelly said, unless you have a good reason, like a serious illness, no more.

If an error on your part means you can’t go, such as missing your flight because you didn’t get to the airport on time, it’s unlikely to be paid.

,travel insurance Designed to help customers in case of an unforeseen emergency, such as requiring medical treatment abroad or needing to be canceled because someone has fallen ill and cannot travel.

“It’s not designed to cover people if they simply change their mind about their vacation – or go to sleep and miss their plane!” he said.

extreme sports

If you’re planning on doing anything out of the ordinary while on vacation, it’s really important to check if your travel insurance covers it.

Most policies don’t cover activities like skiing or diving as standard, so if you think you’re going to do so, you’ll need to find a policy that does.

several travel insurer Offer add-ons to standard policies for extras like scuba diving, golf and winter sports – but you’ll have to pay a bit more.

“Some more “extreme” sports may require a policy from a specialist insurer,” Kelly said.

passport problems

It is on you to ensure that all travel documents such as Passport And the visas are valid before you travel.

Insurance policies are highly unlikely to allow you to make a claim if the passport does not arrive on time.

“While you cannot claim that your passport does not arrive in the UK on time, holidaymakers will be covered for emergency travel documents if their passport is lost, stolen or damaged once abroad, Kelly explained.

The problem with proof of vaccination

It’s a similar problem for passports, Kelly said.

Some countries require proof of vaccination Status for you to enter a country.

She explained: “If you don’t have the right documents to come to a country, you’re unlikely to be able to make a claim.”

Cancellation for Jury Service

If You Have to Cancel Your Vacation You May Find That You’re Covered jury service But you came to know about it only after removing the policy.

“Aviva travel insurance allows people to make claims whether they are called to jury service or made redundant and need to cancel their leave as a result,” Kelly said.

If you forget you were doing jury duty, or take out an insurance policy after you find out, you won’t be able to make a claim.

lost or stolen goods

Don’t assume that your luggage will automatically be covered – you may need optional add-ons.

However, if you have a “personal belongings” cover, you may be covered for your items as well. home insuranceSo make sure you’re not taking off the cover for something you are already safe,

airspace closed

If your trip is canceled you will not necessarily be able to claim because AirportThe port or airspace from which you are about to travel is or is closed.

Some insurers offer optional airspace closure cover for this scenario – but as with everything, you need to read your policy really carefully.

strike and industrial action

If your transport a. has been canceled due to strikeYou may not automatically be covered.

However, many insurers offer a ‘travel disruption’ add-on that can cover you for strikes and also enable you to claim if there is an official government advisory not to travel to your destination. or if a natural disaster means you can. Don’t stay where you intended.

Medical problems you didn’t declare

Kelly also cautioned that it is important to disclose your medical history when taking out a cover so that the insurer can assess any risks and provide cover at a reasonable cost.

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“For those who have travel insurance through their bank or as an annual policy that renews automatically, it is essential that you check your cover upon renewal and if anything has changed. So inform your insurance provider.”

If you don’t, you risk not being able to claim if something happens related to your illness or condition and you didn’t declare it initially.

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