Besides understanding what all is covered under domestic travel insurance, it is also important to know the exclusions. Domestic travel insurance does not provide coverage for any pre-existing medical criticalities and related complications. Any form of self-inflicted illness or injury, suicide attempt, non-adherence to medical advice of the doctor, and HIV/AIDS are also not covered under the policy. Situations arising out of an act of terrorism or war are also excluded. Any harm to the insured due to drugs abuse, the influence of alcohol, and voluntary participation in hazardous activities and criminal acts is also not covered under this travel insurance plan. Non-medical expenses are not covered If the insured is traveling against his/her doctors advice If traveling for medical treatment or detected with a terminal ailment The accident caused due to the consumption of alcohol or drugs Self-initiated harm, suicide, Sexually Transmitted Diseases, mental disorder like stress, anxiety, depression etc. If the insured is a member of Armed Forces and has not mentioned it earlier If the insured is a part of any criminal activities, civil commotion, riot etc. Any damage happened due to the participation in adventure activities or water sport, mountaineering, bungee jumping, scuba diving, race, hang gliding etc. No insurance is offered for the damage due to caving, hunting, horse-riding, surfing, rafting, canoeing, underwater sports etc.
