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Among almost all travel insurance policies, there are elements that are rarely covered. Understanding what will and will not be paid by a claim will help travelers avoid unnecessary frustration. Make sure to read the small print and see if you can find the following:

Underbooked or oversold flights
Travel insurance usually does not protect travelers against underbooked or oversold flights. However, travelers may be able to receive some compensation for a delayed flight or a missed connection. Some travel insurance policies cover any delay of an airline, while others only cover weather or mechanical failure.

If travelers want the ability to cancel in this situation, look for polices from Seven Corners and Travel Insured International. Both travel insurance providers allow travelers to cancel their trip if they are delayed for a certain amount of time.

Pregnancy
Most travel insurance providers do not cover pregnancy, however, if travelers encounter complications during the pregnancy, they may be covered to cancel their trip or receive medical treatment while traveling. Look closely at the policy language because some complications, such as physician prescribed bed rest or false labor, may not be a covered complication of pregnancy.

Alternatively, Travel Insured International extends aspects of cancellation coverage for the traveler’s pregnancy or the traveler’s companion’s pregnancy, as long as the pregnancy occurred after the policy was purchased.

War
Nearly all travel insurance providers will not allow travelers to cancel a trip due to reasons related to war. Most insurance companies insure against unforeseen situations that incorporate a reasonable amount of risk. An act of war is something most insurance companies steer away from, as the amount of loss could be astronomical.

Although war is usually not covered by travel insurance, travelers may be able to find protection within the Terrorism Benefit. The Terrorism Benefit covers travelers to cancel in the event a terrorist attack takes place in a location they will be traveling to. Travelers should take note that civil disorders, riots and acts of war are not considered terrorism, which means they are not covered.

If a traveler is concerned a trip will not happen because of war, find a policy that offers the Cancel for Any Reason benefit. Cancel for Any Reason allows travelers to cancel the trip without explanation, and receive a refund up to 75 percent of the trip cost. To qualify for this benefit, travelers must purchase a travel insurance policy within 14-30 days of the initial deposit payment.

Mental and emotional disorders
Since most policies cover trip cancellation for medical reasons, many people incorrectly assume it includes mental health issues. Travelers should be warned that mental and emotional disorders, such as depression and anxiety, are not covered by travel insurance. However, if a traveler is admitted to a hospital, and the hospitalization prevents a traveler from leaving on their trip, most policies will allow coverage.

For more information, visit squaremouth.com.