The Basics On Travel Insurance Coverage and Exclusions

As the summer approaches, much remains uncertain in the world of travel, making travel insurance more essential than ever.

Before you hit the road, take to the sky or the sea, check with your travel insurance provider to understand what’s included in your coverage.

What are general exclusions in travel insurance?

No matter what kind of policy you plan to purchase, it’s important to understand that there are general exclusions that apply to all travel insurance plans.

A general exclusion means that a travel insurance provider may not offer any coverage under these circumstances:

• Level 3 or 4 travel advisories
• an act of war
• participating in an illegal act
• non-compliance with a prescribed medication

Each policy may have specific exclusions that will affect your coverage, such as excessive use of alcohol or non-emergency treatments like cosmetic medical surgery.

You can find a complete list of general exclusions that apply to your plan in your insurance policy guide.

Talk to your insurance provider and ask any questions you might have about your policy before purchasing. That way, you’ll know you’re fully protected no matter the situation.

Are there limits on CAA Travel Insurance benefits?

Coverage benefits and treatment limitations apply to medical and package plans, as well as trip cancellation and interruption options.

For example, CAA’s medical and package plans will cover emergency medical treatments up to a maximum of $5 million. This only applies for eligible emergency expenses and excludes coverage for pre-existing medical conditions or any claims relating to participating in risky activities like hot-air ballooning or parasailing.

If you or your travel companion have pre-existing conditions or are planning on higher risk activities, you can purchase additional riders to cover those cases.

Riders include:

• Pre-existing conditions: This is necessary if you have an unstable medical condition or have a change in your medication up to seven days or more before your departure.
• Adventurous air activities: You’ll need this if you’re going hot air ballooning, parasailing or taking a helicopter tour.
• Professional sport and speed activities: Provides medical coverage if you’re engaging in activities such as a speed contest or professional sports where you’ll be paid to perform, for instance major league baseball or competitive figure skating.

If you’re unsure about whether you have the coverage you need, talk to your insurance provider so that you’ll have peace of mind wherever your adventures take you.

Be prepared

Speak with a CAA Travel Insurance expert to ensure your travel insurance policy has coverage that suits your travel needs in case something unexpected happens while you’re away. Also, be sure to ask about any exclusions and limitations that may apply.

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