✗War or Terrorism: Losses due to civil war, rebellion, military actions, chemical or biological weapons, and acts of terrorism are not covered
✗Radiation or Nuclear Events: Injuries or losses due to contamination from nuclear fuel or waste are not covered.
✗Illegal Acts: If a claim arises because you committed a breach of the law in the country you are visiting, the policy will not cover it.
✗Consequential Loss: This policy will not cover any consequential losses. For example, the policy will not pay for lost wages if you cannot work due to illness or injury during your trip.
✗Suicide/Self-inflicted Injury/Drug Use: This policy will not cover any claim in case of intentional injury or damage you cause to yourself. It will also not cover any claim if you suffer a loss because of inebriation.
✗Deductibles or Within the Time Excess: You are responsible for the deductible or expenses incurred before a specified waiting period (time excess). These apply separately for each claim and won’t be covered by the policy.
✗Claims due to Service Provider Insolvency: If a company you booked through cannot fulfil their service due to bankruptcy, the policy does not cover losses related to this.
✗Claims Resulting from Diseases if you Missed Recommended Vaccinations: If you get a tropical or contagious disease at your travel destination and did not receive the recommended inoculations as per the government advisory, related claims are not covered.
✗Hazardous Activities: Unsafe practices such as riding a two-wheeler without a helmet, driving a vehicle without a proper license or not following safety laws, participating in manual or hazardous work on a tourist visa, etc., are not covered.
