What your travel insurance will not cover for you

Buying travel insurance can become a major headache, simply because it usually comes with rows of fine prints on what is covered and what is not covered, as well as all the stipulations, rules, and regulations that follow.

Insurance policies of all types are tricky, and it’s not always clear what’s covered and what isn’t. When you’re researching policies, carefully read the description of coverage, and call the insurer to resolve any questions you may have.

However, there are a few things that most of the time will not be covered by travel insurance:

Don’t bother filing a claim because it rained each day of your Caribbean cruise. Inclement weather is not covered. (Of course, if your trip is impacted by a hurricane, trip delay, trip cancellation or trip interruption, coverage will be available to you.)

Travel insurance covers your trip but not changes to the itinerary. The skipping or swapping of a port won’t warrant a claim.


Airline tickets purchased with frequent flyer miles aren’t covered. However, insurers will reimburse the redeposit fee if you cancel the award before embarking on the first leg of the flights, or it will cover the change fee if you must reschedule your return ticket due to a covered event.

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