For example, if your travel insurance covers scuba diving, this may only be for unqualified diver. If you have a scuba diving qualification, you will likely be diving to greater depths, and so will need specialist insurance to cover this. High risk activities such as skydiving and bungee jumping are understandable—but you may even find you aren’t cover for trekking, so always check your policy terms and conditions carefully.
Many travel insurance policies have a standard exclusion clause in regards to alcohol consumption. Whilst it might seem obvious that injuries caused whilst considerably under the influence may not be covered, the line here can be very blurred—if you were to slip on a wet surface after several glasses of wine, this could ultimately result in your insurance claim being declined.
Travelling to excluded areas
Many travellers are unaware that if the Foreign and Commonwealth Office has advised against travelling to an area, you are unlikely to be covered. Some places are more obvious than others; nobody would expect an insurer to cover travel to an active war zone. However, popular travel destinations such as India frequently crop up on the FCO’s list, and the situation changes all the time, so it’s best to research carefully.
Pre-existing medical conditions
It’s important to give full disclosure about pre-existing medical conditions, because even if your claim isn’t resultant from a prior issue, undeclared conditions could mean your claim isn’t covered.
Understandably, when the unexpected occurs, paperwork can be the last thing on your mind. However, it’s essential to let your insurer know as soon as possible if there’s a problem, as delays can sometimes result in the claim being declined. We will always endeavour to provide the utmost support in difficult times, so should you need to make a claim, opening the lines of conversation as quickly as possible will enable us to provide the best possible service.