Understanding Travel Insurance Exclusions

Most travel insurance policies exclude claims for pre-existing medical conditions unless declared and approved by the insurer beforehand.

• Failure to disclose a pre-existing condition can result in claim denial.
  
  
• Always declare your medical conditions when applying for insurance and consult your provider for clarification on which conditions are covered under your policy.

Activities like skydiving, bungee jumping, or scuba diving beyond certain depths are not covered unless you’ve added optional sports coverage.

• Injuries sustained during professional sporting activities or uncertified risky activities are typically not covered. 
  
  
• If your itinerary includes high-adrenaline activities, look for policies or riders specifically designed for adventure travelers. 
  
  
• Tokio Marine Explorer offers add-on coverage for a wide range of adventure sports, including:
  
  
  • Winter Sports: Skiing, Sledding, Snowmobiling, Ice Skating, Snowboarding, Snow Tubing, Snow Bubble Ball, Fatbike, Snow Shoeing, Snow Buggy & Snow Rafting. 
    
    
  • Aerial Activities: Bungee Jumping, Hang-gliding, Parachuting, Paragliding & Sky Diving. 
    
    
  • Water Sports: Parasailing, Jet Skiing, Canoeing & Rafting (Class 1 to 3), excluding white water rapids rafting.

Claims for lost or stolen items may be denied if negligence, such as leaving items unattended, is involved.

• Leaving belongings in public spaces unsecured or failing to report thefts to local authorities can void a claim. 
  
  
• High-value items like electronics may be subject to payout caps. 
  
  
• Keep receipts and photographs of valuable items, and always file a police report promptly if theft occurs.

Travel insurance typically excludes coverage for trips to countries under government sanctions or deemed high risk due to political instability or danger.

• Destinations listed under government travel advisories are excluded. 
  
  
• Review official government travel advisories before booking trips to unfamiliar destinations.

Failing to disclose high-value items or providing inaccurate information during the application process can void your insurance policy.

• Insurers often require documentation such as receipts or appraisals for high-value items. 
  
  
• Misrepresentation or omission of trip details may lead to denied claims. 
  
  
• Be meticulous when providing information about your possessions and travel plans. Keep thorough documentation of your belongings to simplify the claims process.