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Travel Insurance Exclusions

There's one exception to the exclusions: You can get policies that let you cancel your trip for any reason. Click here to see the details


You need to know what travel, cruise & trip insurance doesn't cover because "the devil's in the details". Don't assume everything's covered.


Travel Insurance Doesn't Cover Everything - Just "Listed Unforeseen Events". The only way to know for sure what is & isn't covered is to look in each plan's Terms & Conditions. Here's a list of each plan's Terms & Conditions

Here's a list of each plan's Terms & Conditions

All the links below will open a new browser window

CSA Freestyle

All US States

CSA Freestyle Luxe

All States and Canada

HTH Trip Protector

All US States

HTH Trip Protector Preferred

All States and Canada

Travelex

For complete coverage, terms, conditions and exclusions click here to view or download Travelex's Evidence of Coverage

Travel Guard

Go here to Travel Guard's main page - After you enter your state or province, you can find everything you need for each plan. The Terms and Conditions are called DOC.

Travel Insured Comprehensive

All Other US States

Washington State Residents

Travel Insured Gold

All Other US States

Washington State Residents

Travel Safe Vacation

All States and Canada

Travel Safe Premier plan's Certificate

All States and Canada

Some Travel Insurance exclusions exist because there's no need for it to covered. For example, if your cruise ship's propellers break causing your cruise to be cancelled, it's the cruise line's responsibilty to take care of you. Other events & circumstances simply are not covered.

Trip Cancellation / Interruption Travel Insurance plans never cover you for:

  • Any trip where the purpose of the trip is to obtain medical treatment

  • Routine medical treatment from a known medical condition

  • Pre-existing medical conditions (this exclusion can be waived)

  • Travel supplier financial default (this exclusion can be waived)

  • Frequent flier tickets / miles, vouchers, award travel, face value of free trips & credit card miles. Learn more here.

  • Wanting to return home early

  • Not feeling safe to travel

  • Failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements - This means that if the travel supplier changes the itinerary, but still gives you a similar trip, there's not a valid claim with a Travel Insurance plan (all plans have this exclusion). note: this is different from Financial Default.

  • Unfavorable weather. Trip Cancellation / Interruption for bad weather is different from going to Cancun and having it rain the whole time. You won't have much fun, but unless the bad weather prevents you from getting there, you won't have a valid claim.

  • Your financial circumstances ("I can't afford to go") - you can get a Cancel For Any Reason Plan

  • Mental, psychological or nervous disorders including anxiety, depression, neurosis or psychosis

  • Travel arrangements cancelled by tour operator, airline, or cruise line - for example, a tour doesn't have enough participants. If they cancel it they have to refund your money

  • Change in plans ("I just don't want to go") - you can get a Cancel For Any Reason Plan

  • Pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy threatening the life of the mother or child;

  • Any government regulation or prohibition

  • Your school board cancels your child's trip

  • Intentionally self-inflicted Injury, suicide, or attempted suicide while sane or insane;

  • Participation in athletic events, motor sport or motor racing including training or practice for the same;

  • Extreme, high risk sports including but not limited to: bodily contact sports; skydiving; hang gliding, bungee jumping, parachuting; mountain climbing or any other high altitude activities, caving, heli-skiing, extreme skiing, or any skiing outside marked trails;

  • Scuba diving unless accompanied by a dive master & not deeper than 130 feet;

  • War or act of war, whether declared or not, civil disturbance or insurrection; - you can get a Cancel For Any Reason Plan

  • Military duty or service;

    • Except, CSA includes: "being called into active military service to provide aid or relief in the event of a natural disaster"
    • Except, Travel Guard includes: (if bought before the 14 day deadline): "military duty (the Insured having his/her leave revoked or being reassigned with 10 days of departure date)".
  • Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

  • Loss or damage caused by detention, confiscation, or destruction by customs;

  • Any unlawful acts, committed by the Insured, Family Member, or a Traveling Companion, whether insured or not;

  • Nuclear reaction, radiation, or radioactive contamination;

  • Civil disorder or riot;

  • If the Trip Departure Date and Trip Completion Date does not reflect the Insured's intent to start and end his/her trip on those dates;

  • If the Insured's tickets do not contain specific travel dates (open tickets);

  • Alcohol or substance abuse, or related illnesses;

  • Mental, psychological or nervous disorders including anxiety, depression, neurosis or psychosis;

  • Any expected or foreseeable events;

  • Operating or learning to operate any aircraft, as student, pilot or crew - except TravelSafe covers you for trip cancellation if you're injured prior to your trip.


Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.

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