The following expenses are generally not covered by the travel insurance companies. However, few companies may prove to be an exception or may cover few of these with additional premium charges.
1- Expenses by those who are serving in Military or Armed forces in any part of the country – be it in war or in peace.
2- If you have obtained an injury and are traveling without the recommendation of your Physician or are on verge of receiving specified medical treatment.
3- If you have attempted Suicide or have intentionally injured yourself or poses AIDS, HIV virus, mental or nervous disorder, depression or sexually transmitted conditions.
4- If you have gone against the apt prescription of the Physician and are under the influence of alcohol, drugs etc.
5- Any loss occurred due to any act of terrorism.
6- You are not covered if you have suffered any kind of loss due to civil war, revolution, act of foreign enemy etc.