When you compare travel insurance you will find there are certain restrictions placed upon individuals when they buy their policies, more commonly known as ‘exclusions’. These restrictions are very common among the various providers.

Whether it is a single or a multi trip travel insurance policy, a few situations would preferably be avoided by providers. Here are a few examples of them:

Sometimes a person has a certain pre-existing medical condition which won’t be covered by travel insurance companies in the event of accident or illness arising from that condition while travelling abroad, for example cancer or HIV. The treatment for such a disease could be very costly and thus insurance companies could refuse to provide a plan simply because of the potential cost involved.

Travel companies also tend to exclude problems from pregnancy which arise while the woman is travelling abroad. This is because on certain occasions such problems could be quite expensive to deal with. It can be argued that not all pregnancies are that complicated but they are all high risk situations which providers are more than happy to avoid.

Providers also tend to look to refuse travel insurance to people who have a history of alcohol and violence as such people are likely to get drunk and cause trouble. Apart from that, terrorism and war limits insurance coverage as it is not predictable and could prove to be very costly. So, people looking to travel to regions affected by such events are likely to be refused travel insurance, especially if the Foreign Commonwealth Office (FCO) advises against travel to a country because it deems it too dangerous.