Exclusions

General

• Your normal incurred expenditure
• HIV transmission directly or indirectly or any related illness.
• Any claim arising from self injury, alcohol, drugs, or attempt to suicide.
• Any dangerous activity that is not included or covered by the sports policy (Look up list provided by company. Sometimes these sports are covered by a different policy like ski travel insurance or hazardous travel insurance)

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Medical and Personal Accident

• Childbirth or pregnancy
• Any treatment that can be done at home after the trip
• Cosmetic surgery, chiropractic treatment, osteopathy or vaccinations
• Mental or nervous illness
• If you travel against the advice of a medical practitioner
• Any pre existing medical condition

Luggage (if included)

• If the cost of the item exceeds a certain limit you cannot claim more money.
• Used/in use Sports equipment
• Cycles and contact lenses

Liability

• Business or professional activity
• Any claim related to dangerous sports
• Use of motorized vehicles.

Benefits

• Annual Insurance policy does not cover the adventure sport items.
• The number of holidays in the single trip and annual insurance policy is limited. (depends on company)
• The days for backpacker's travel insurance policy are extendable and not fixed.
• Claims for loss of personal belongings that are not too expensive in nature
• Claim for loss of belongings when mugged or hijacked
• Injury as a result of adventure covered under the policy