Most claim disputes come down to exclusions, the situations a policy doesn’t cover. Knowing the common ones helps you pick the right policy and avoid a rejected claim. Wording varies between insurers, so always check your own policy.

Common travel insurance exclusions

• Undeclared medical conditions. If you don’t declare a relevant condition, claims linked to it can be refused. See pre-existing conditions.
• Alcohol or drug-related incidents. Claims where being under the influence contributed to the loss or injury are often excluded or reduced.
• Unattended belongings. Items left unattended in public places or in an unlocked car are often not covered.
• Changing your mind. A change of heart or not wanting to travel isn’t a valid reason to cancel.
• Travelling against medical advice. Going when a doctor advised you not to can invalidate cover.
• Government advice. Travelling to places the Foreign, Commonwealth & Development Office (FCDO) advises against may not be covered.
• Hazardous activities. Winter sports, diving, climbing and similar activities often need an add-on.
• Known events. Problems you knew about before buying, such as a planned strike or an existing illness, are typically not covered.
• Reckless behaviour. Deliberate or very careless acts can invalidate a claim.
• Gadget and valuable limits. Items above the single-item limit are only partly covered.

Exclusions are not always absolute

Some exclusions can be removed with an add-on or different cover level. For example, winter sports and cruises are common extras. See which add-ons are worth it.

How to avoid surprises

1. Read the IPID and the exclusions section of the policy wording.
2. Tell the insurer about any changes in your health or plans.
3. Keep belongings with you and secure them.
4. Check whether your activities are covered before you go.

If a claim is turned down, read our guide on why claims get rejected.

Frequently asked questions

Does travel insurance cover me if I’ve been drinking?

Cover can be limited or refused if alcohol contributed to the incident. Check the wording on alcohol and drug exclusions.

Does travel insurance cover cancellation if I change my mind?

No. Cancellation cover applies for accepted reasons, such as serious illness, not a change of mind.

Are pre-existing conditions covered?

Only if you declare them and the insurer accepts them. Undeclared conditions can lead to a refused claim.

Is stolen property covered if I left it unattended?

Often not. Many policies exclude items left unattended, so keep belongings secure.

Related travel insurance guides

• What Does Travel Insurance Cover? A Plain-English UK Guide
• GHIC vs Travel Insurance: What’s the Difference?
• Travel Insurance Excess Explained: How Much Should You Choose?
• How Much Does Travel Insurance Cost in the UK in 2026?
• How to Make a Travel Insurance Claim: Step-by-Step

This article is general information, not financial or insurance advice. Always read the policy documents before you buy.