18Travel Insurance Doesn't Cover Everything
The thing about insurance is you can never have enough. The other thing about insurance is you never know if you bought enough until something happens and you need to make a claim. There are a few—actually quite a few—exclusions in most travel insurance plans that
may give you pause after your read through the rest of our list.
If you have a preexisting medical condition that acts up on the trip, travel insurance does not cover your treatment. Insurance also does not cover cancellations due to weather, acts of violence (presumably including piracy), war, or adventure sports such as scuba diving.