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Tourist insurance policy document contains a section called exclusions which lists the conditions under which the claims would not be reimbursed. You would also be able to gather detailed information about coverage terms and exceptions.

Hence, it is important to carefully read the policy document and scrutinize the terms and conditions extensively before finalizing the tourist medical insurance plan that you want to buy. Ensure that the exclusions do not contain terms that may be highly inappropriate to your needs.

Tourist Insurance Exclusions is divided into a couple of sections and highlight specific events for which you would not be reimbursed the expenses. For example, terrorist attacks, war, military action, nuclear exposure and epidemics are not covered under the tourist insurance plan. In case the travel agency goes bankrupt or the insured incurs any loss due to fraudulent, dishonest or irresponsible deeds, the claims would not be paid by the insurance provider.

Medical exclusions normally detail out pre-existing conditions, any medical treatment undertaken without the consent of the insurance company and also medical expenses incurred in your home country. The visitor health insurance plans do not cover the cost of routine physical examinations, immunizations, nervous or mental disorders or transplantation procedures. You cannot claim reimbursement for pregnancy, abortion, child birth, birth control, sterilization or reversal and also impotency or infertility.

Pre-existing conditions highlight injury, illness, sickness or disease which exists when the insurance policy is applied for and also any manifestation or symptoms observed a few months or years before the effective date of insurance depending on the tourists insurance policy. This ?looking back? period can vary from 6 months to 3 years.

Tourist insurance exclusions also state that you would not be covered for any injuries which arise during any professional sports or athletic events involving regular practice routines for a competition or games. However, coverage is available in case you participate in hazardous activities like bungee jumping, high diving, hot air ballooning, rappelling, canyoning, inline skating, caving and rock climbing. For this, the insured need to purchase a visitor health insurance rider along with the tourist insurance policy plan.

Tourist medical insurance does not cover any treatment, illness or injuries which arise due to substance abuse or addiction to drug and alcohol. Self-inflicted injuries and dangers arising due to exposure to nuclear radiations and radio active materials are also not covered.

Always carry your tourist insurance policy document and the helpline numbers while you travel on a holiday. In case of clarifications, you can contact your insurance company or call up the round the clock helpline assistance.