What Exclusions and Limitations Apply to Travel Insurance Coverage?

Travel insurance policies have specific exclusions and limitations. Key exclusions often include pre-existing medical conditions, complications arising from pregnancy, injuries from high-risk sports and activities, and incidents involving the use of illegal or certain legal substances. Additionally, claims related to war, kidnapping, terrorism, riots, strikes, or civil unrest are typically not covered. It's crucial to thoroughly read the policy's exclusion section to fully understand the scope and limitations of your coverage before your trip.