- Some sections of the policy may be subject to an excess. This is the amount you pay when you make a claim. This applies to each incident for each insured person.
- Pre-existing medical conditions unless agreed.
- Travelling against medical advice or with the intention of obtaining medical treatment abroad.
- The policy includes restrictions regarding the health of close relatives and friends upon whom your trip may depend, even if they are not being insured by this policy.
- Certain hazardous sports and activities may not be covered under this policy – see policy wording for further details.
- Personal possessions – “new for old” cover only if item less than 1 years old.
- You drinking too much alcohol, or any form of alcohol abuse, where it is reasonably foreseeable that such consumption could result in a serious impairment of your faculties and/or judgement.
- Circumstances you were aware of before your policy was issued or journey was booked (whichever is the later) that might result in a claim.
- Medical treatment which can wait until you return home.
- Private medical treatment unless agreed by us.
- Any claim for personal possessions where you have not taken steps to prevent loss.
- Claims arising from any epidemic or pandemic as declared by the World Health Organisation.
- If the insured is not fully vaccinated when eligible for a vaccine, any claims arising from or related to any coronavirus including but not limited to COVID-19 or any related/mutated from of the virus.