Travel Insurance: Know What’s Not Covered


Whether you’re planning a family vacation, a girl’s night out, a romantic anniversary trip, or just a break from the daily grind, travel insurance might be an item you add to the check list of things to do before you leave on your trip. There are many different types and levels of travel insurance, ranging from extra health insurance coverage if you’re traveling aboard, to financial protection in case your trip is canceled and you don’t receive a refund.

While travel insurance can be helpful and limit your financial risk, it’s not a catch-all solution. It’s important to know what is and isn’t covered by your travel insurance. So, what isn’t covered by travel insurance?

Adventure sports

Planning an adventurous outing, such as skydiving, bungee jumping, zip lining, or jet skiing? Make sure your travel insurance includes a Sports & Activities benefit that covers the specific activities that you plan to participate in.

Drinking over the legal limit

Did you know that drinking over the legal limit can nullify your travel insurance coverage? If you need immediate medical attention while on your trip, travel insurance will not cover you if you’re intoxicated. If the medical notes indicate that you were drinking over the legal limit, your claim will be denied.

Credit card points and frequent flier miles

Did you redeem your frequent flier miles or credit card points to book your trip? Most travel insurance providers will not reimburse you for the value of the miles because it’s not an out-of-pocket expense. However, many travel insurance policies will cover taxes or rebanking fees associated with the frequent filer miles.

Missing your flight

Most travel polices include coverage for if you miss a flight. However, the reason must be specifically covered by the travel policy. For instance, common covered reasons include:

  • Airline delays due to mechanical failure or inclement weather
  • Lost or stolen passport
  • Weather conditions and road closures that prevent you from getting to the airport
  • A traffic accident

A few reasons that aren’t usually covered:

  • security delays (like long TSA lines)
  • heavy traffic

What if you have the wrong travel policy?

If you bought the wrong travel insurance policy, don’t have the right kind of coverage, or decide you no longer need the policy, most policies have a “free look” or money back guarantee period. This period is usually 10-14 days after the policy is purchased and allows you to cancel your policy for a full refund.

If you’re interested in learning more about travel insurance, contact our Personal Lines team at 972-461-7300.

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