Conditions and exclusions

Here's a quick guide to the exclusions in your travel insurance policy, so you know what situations and activities aren't covered, helping you to plan with confidence and avoid surprises.

Territory exclusions:

Travel to any of the following territories is excluded from cover: Afghanistan, Antarctica, Belarus, Burma (Myanmar), Crimea, Donetsk People's Republic (DPR), Iran, Iraq, Luhansk People's Republic (LPR), Marion Island, North Korea, Somalia, Sudan, Syria, Ukraine, Russian Federation also referred to as Russia.

You are insured for travel in the covered area as stated on your policy schedule of insurance.

Activities exclusions:

• Travelling for emigration purposes (unless on an Emigration Policy).
• Engaging in off-road, dirt-road and or quad biking, jet skiing, or racing of any kind.
• Diving with artificial breathing equipment unless certified or supervised.
• Hazardous sports and activities premium.
• Activities related to war, civil unrest, or terrorism.

Health exclusions:

• Travelling against medical advice or for the purpose of obtaining medical treatment.
• Pre-existing conditions not covered for travellers over 69 Cardiovascular or cerebrovascular conditions for travellers 70 or older is excluded.
• Psychiatric, emotional, or psychological illnesses are not covered.
• Incidents involving alcohol or drugs above the legal limit is excluded.
• Pregnancy past the 26th week is not covered.
• Traveling with a terminal prognosis is a general exclusion.

Employment exclusions:

Cover does not apply if you are:

• Piloting or crewing an aircraft.
• Engaging in employment involving weaponry, armed services, or military duties.
• Driving of a commercial vehicle transporting goods or people on public roads.
• Underground mining and working on oil rigs.

Legal and general exclusions

• Acts of fraud or illegal conduct.
• Breaking the law in the country you're traveling in.
• Non-admittance to a country due to visa issues or legal restrictions.
• Cyber-related losses and power grid failures.

Emergency medical and related expenses exclusions

• Pregnancy-related costs from the 26th week onward.
• Where the purpose of the trip is to obtain medical treatment or advice.
• Travel against medical advice.
• Costs incurred within your country of residence.

Key exclusions for trip disruptions and additional benefits:

• Events resulting from personal choice or financial circumstances.
• Delays or denials due to improper documentation or government prohibitions.
• Terrorist incidents within 60 days in the same city.
• Epidemics or pandemics, including COVID-19-related claims.

*Note: a formal quote will provide comprehensive details on benefits, limits, cover terms, conditions, and exclusions.