War, booze and mopeds: Travel insurance coverage gaps that may surprise you [CNBC]
NerdWallet, Inc. (NRDS)
Company Research
Source: CNBC
Insurers set different exclusions for travel insurance policies, often including war, military activity and civil disorder, experts said. Other disqualifying events or activities may include intoxication, riding a moped, kayaking, hiking, zip lining and going on a safari, experts said. Aj_watt | E+ | Getty Images Travelers who were briefly stranded abroad after the U.S. operation to extract Venezuelan leader Nicolás Maduro got a hard lesson in the limitations of travel insurance. Travel insurance policies offer a financial backstop to buyers for various unforeseen snafus, like having to pay for medical care abroad or for a hotel room after a flight delay or cancellation. But insurers set rules that indicate when they do and don't have to pay those benefits. Many limitations — or “exclusions,” in insurance lingo — may surprise consumers, say travel and insurance experts. “Consumers assume travel insurance is blanket and covers everything that could possibly happen,” said
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