Exclusions

These are the exclusions the company gives that it will not process your claim for.

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)

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

The benefits that can be got from a back packers insurance policy is

• 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

Backpacking travel insurance given by various travel insurance companies differ in the additional cover offered. Please read your policy wording to know the details of your policy.