The Travel Insurance Exclusions to Know Now for Clients Planning Holiday Getaways

By Dan Drennen, Director, Travel

  • Originally published November 4, 2015 , last updated December 29, 2015
The Travel Insurance Exclusions to Know Now for Clients Planning Holiday Getaways

Every year around this time we get calls from individuals, couples and families planning their holiday getaways to popular destinations such as the Caribbean, Mexico, France, Morocco and Spain. 

At a minimum, these customers want to make sure they have good medical coverage but more importantly emergency medical evacuation back to a hospital near their home should something bad happen during their trip. Post-departure coverage (meaning no trip-cancellation benefit) is not that expensive, and having an emergency assistance provider at your fingertips 24/7 is a good thing. 

Our goal at Travel Insurance Center is to provide customers with a policy that does what they need it to do for the best price. We need to know what kind of activities they are planning to participate in to make sure the activity isn’t an exclusion on the policy. Some of the “basic” less-expensive travel insurance plans exclude several activities that travelers may not have considered. For example, our Roam Right Essential plan is priced really well and is a great basic travel insurance plan. People in my age range of 35 to 59 can get a post-departure plan for $15. That’s cheap! Why wouldn’t I do that? 

Just be aware that it does not cover the following activities: injury sustained while taking part in mountaineering where ropes and guides are normally used; hang gliding, parachuting, bungee jumping, snowmobiling, jet skiing, scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, water skiing, snow skiing, spelunking, parasailing, snowboarding, extreme skiing, bodily contact sports, skydiving, any race or speed contest. 

The exclusions list on this policy is pretty standard. The exclusion that stands out here to me, and would surprise most of us, is snow skiing. A lot of people head for the mountains of Utah and Colorado for their holiday getaway and what good is a travel insurance plan if it excludes your main activity? The other activity that may surprise people is parasailing. I see that going on all the time in Mexico, and I knew it was an exclusion when I let my 14-year-old son, along with my buddy’s 13-year-old daughter, do a tandem parasail when we were in Cabo San Lucas. All went well and they were happy! Mission accomplished! 

So if your clients are planning a holiday getaway and checking out travel insurance, please feel free to give us a call at 1-866-979-6753 or to refer them to us if you’re not sure what policy would be the best for their trip. We’ll make sure that they get a policy that does what they need it to do for the best price and that doesn’t exclude their activity. With access to travel insurance plans from more than 25 companies, I’m sure we can find them and your family a good plan.

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