Exclusions in annual multi-trip Insurance-annual-multi-trip-travel-insurance

Along with knowing the coverage options under an annual multi-trip insurance plan, it is very important to know and understand the exclusions as well. Here are a few quick points to help you understand what is not covered under your policy: Under this insurance, you are not covered for any Pre-existing medical condition, unless it is a very serious or life-threatening disease Any expense arising out of the following situations will not be covered Suicide or attempt to suicide Venereal diseases Self-inflicted injuries or illnesses Stress, depression, or anxiety Any mental ailment HIV AIDS Alcohol or drug abuse Any eventualities if you are against the advice of your doctor Any expenses will not be covered if you are travelling to get yourself treated abroad No coverage will be provided if you are suffering from a terminal disease Any expenses incurred due to theft or loss of passport due to carelessness or negligence or if the loss or theft is not reported to the local police. Coverage will not be provided for the circumstances arising out of war or nuclear threat in the country where youre travelling Any expenses related to any kind of emergency, after youve returned to India, will not be covered under this insurance Days of travel Annual multi-trip travel insurance is designed for the people who travel thrice or more in a year. Commonly the cover period is limited to 31 days of consecutive travel per trip. However, a few insurers offer extended periods of travel up to 60 days or more, but that might be applicable to some extra costs. Some Important Tips Here are some important tips to use before you take out a policy or apply for a claim: Always disclose your pre-existing medical conditions (if any) while you buy the policy, and also any new medical complications that you face during your policy term To get the full benefits out of the cancellations cover, get your policy in advance, and check if there are any exclusions or an excess on the policy Before you make a claim, make sure you have reported the lost or stolen item to the police within 24 hours of the loss or theft Do consider a backpackers policy, if you are planning to travel for a long duration of time or visiting a number of countries