Exclusions

Policies will normally contain a list of exclusions. These will include items such as claims arising from ongoing medical conditions that you suffer from before you take out the insurance, and claims arising from your participation in adventure activities or hazardous activities.

If you have any pre-existing medical conditions or are planning to participate in any potentially hazardous activities, you must inform your insurer before you travel. Failure to do so may invalidate any potential claim you might make.

Most policies will also not cover you for the following:

• Drink-related incidents.
• Drug related incidents.
• Failure to take 'reasonable care' of your possessions.