Every travel insurance policy contains specified limits, excesses and exclusions. When you buy travel insurance, always check the level of cover being offered. All policies have what are known as “general exclusions,” which apply to all sections of a policy. For example, you may not be covered if before you travelled, you received treatment for a pre-existing condition which you did not disclose to your insurer when taking out the policy. You will not be covered if you travel against medical advice, if you suffer injury as a result of a suicide attempt, if you only received non-emergency treatment, if you were under the influence of alcohol, if you required treatment due to drug abuse, and if you deliberately put your life in risk or…
