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Some major exclusions and circumstances under which the insurance company is not liable to make any compensation under a travel insurance policy are:

• Medical expenses incurred towards the treatment of any pre-existing illness (unless of life threatening nature)
• Pregnancy or complications related to the same (unless of life threatening nature)
• Suicide, self inflicted injury, or illness
• Mental disorder, anxiety, stress, or depression
• Venereal disease
• Alcohol/drug abuse
• HIV/AIDS

Other exclusions include:

• Traveling against the advice of a physician
• Receiving a specified medical treatment declared in the physician's report
• Traveling for the purpose of obtaining treatment
• Your doctor has diagnosed your medical condition as terminal
• You are caught in the midst of a war or nuclear perils
• Flying as a passenger on aircraft other than properly licensed aircraft to carry passengers
• You are a participant in professional sports or hazardous sports such as mountaineering, riding in races, driving in rallies
• You are liable in an accident on a two wheeler unless you had a valid international license and were wearing a safety crash helmet
• Losses from accidents on two wheeled motorized vehicles over 50cc
• Moreover, if your passport gets lost or is stolen when left unattended and you do not inform the authorities, the insurance company is not liable to compensate for any losses.
• Also, in case of loss of checked-in baggage, no partial loss or damage is payable. The company will also not pay for the loss of valuables, money, securities, tickets etc. for baggage claims.

See also: Do I need overseas travel insurance?

Different overseas travel insurance covers

Travel insurance groupings

Travel insurance exclusions

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