Get to know travel Insurance Exclusions. 

Travel insurance nowadays are very comprehensive. We always talk about how complete they are, but what about things that they don’t cover? What are the travel insurance exclusions?

There are 2 types of travel insurance exclusions, the first one are those which can be covered if an additional premium is paid for the extra coverage and the second one are those which cannot be covered by travel insurance.

Allianz travel care has extension to cover Additional sports as an option. Those sports that are covered include rafting and kayaking involving white water (class 4 and below), rowing, yachting, parasailing, surfing, board-sailing, jet skiing, scuba diving (up to 20 meters water depth).

The general exclusions are delay and losses due to government authority such as customer and immigration; treatment due to HIV infection, Ionizing or contamination due to radioactivity; pre-existing medical and health conditions; pregnancy, childbirth, abortion or miscarriage; riot or civil commotion, lockout or threat of such event; radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component; war, invasion, act of foreign enemy, hostility, civil war, insurrection, rebellion, martial law etc.

Beside exclusions on the above, there are also occupations which cannot be insured under a conventional travel insurance such as; flight crew, sea crew, train crew, mine workers, oil rig workers, aerial photographers, workers handling explosives, personal of the military and law enforcement.

After reading all the above exclusions, it is probably a relief to most people that hijacking and terrorism are actually covered by travel insurance. In the event of a hijack the claim can be for compensation for delay in excess of 12 hours. In the event of a terrorist attack it will be for bodily injuries, death and permanent disablement whilst excluding anything to do with nuclear attack.

Terrorism is defined as the systematic or planned used of violence, fear or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand. That means the terrorist must make a demand for something else it is not qualified as a terrorism event.

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It is first time in my life I had travel insurance. It worth to have it. That trip I didn't have any trouble in the foreign country even my luggage was delay to arrive. I advice everybody to have it.

Ali Engin

Very helpful and keep updated on the travel insurance conditions. Age is not an issue, if you continue of renewing every year. I am senior citizen but no big issue, still renewing. 

Nedim Alibi

I am frequent traveler due to my office commitments. I got this annual travel insurance and never wonder. Hassle free. I encourage everyone to have for this insurance done.

Abdul Aziz

Well done. I had this insurance policy and found out that this is necessary for all travelers. Encourage everyone whose travel around the world as frequent flyer. 

Lai May Leng

At the beginning I didn't expect that quality service from this company. They treat me like a queen. I would  like to give rating 5 stars for this company due to their friendly approach.


Very detailed quotation from the company, so you know what to expect from the circumstances.  No more complaints. Will renew every year for my travel arrangements.


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