As summer approaches, many Canadians are planning vacations, but Goose Insurance co-founder Omar Kaywan warns that travellers heading to a 'known' area where there is war or terrorism will not be covered by standard travel insurance policies. This exclusion is crucial to understand before booking trips to regions with active conflicts or high-risk security situations.
Key Exclusions in Travel Insurance
Travel insurance policies typically exclude coverage for events related to war, terrorism, and civil unrest. If you travel to a destination that your government has issued a travel advisory for due to these risks, your insurance may not provide protection for cancellations, medical emergencies, or evacuations resulting from such incidents.
What to Check Before You Go
- Review your policy's fine print for specific exclusions related to war and terrorism.
- Check government travel advisories for your destination.
- Consider purchasing additional coverage if traveling to high-risk areas.
Other common exclusions include pre-existing medical conditions, high-risk activities like extreme sports, and incidents under the influence of alcohol or drugs. Always read your policy carefully and consult with your insurance provider to ensure you have adequate coverage for your trip.
