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27 Jul. 2024

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When will travel insurance not cover your medical expenses?

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Travel
When will travel insurance not cover your medical expenses?

Responsible tourists always buy an insurance policy before embarking on a new trip. However, even the most expensive insurance will not be able to cover absolutely all expenses. Learn more about the cases when travel insurance won't help you

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine
An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine
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Travel insurance will help travelers protect themselves from unforeseen circumstances and additional medical expenses while traveling. However, no insurance company will be able to offer you a policy that will cover absolutely all the costs of medical care for a tourist. Therefore, it is very important to be aware of the cases in which your travel insurance is powerless.




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In what situations can insurance not protect tourists?


Most travel insurance policies cover critical incidents that can happen to travelers: emergency medical expenses, hospitalization, emergency surgery, purchase of medicines, etc. Some insurances even cover the costs of evacuation and repatriation, or even returning the body of a deceased tourist to their home country.

You can protect yourself as much as possible while traveling with advanced insurance programs that also compensate for the loss or theft of belongings, luggage, flight delays, risks during extreme sports, etc.


It is also very important to be aware not only of your rights to compensation, but also of the full list of exclusions from the insurance policy. We have prepared for you the TOP 5 most common situations in which travel insurance does not reimburse travelers' expenses.


Chronic diseases 


The insurance company will not reimburse your expenses for the treatment of chronic diseases and other health problems that arose even before you bought the policy. Therefore, if you have heart, bronchopulmonary, oncological or any other diseases while traveling abroad, you will have to cover significant financial expenses on your own.


Plastic surgery 


Travel insurance provides compensation only for emergency medical services: injuries, wounds, and other sudden and unpredictable conditions. Of course, cosmetic surgeries without medical indications are not covered by this insurance.


Health improvement and prevention


If a tourist wants to relax in a sanatorium, undergo a preventive examination, or take a course of vitamins, the insurance company will not reimburse such medical expenses. Wellness measures are not considered emergency conditions and do not pose any threat to life, so they are not covered by a travel insurance policy.


Treatment due to the use of alcohol, drugs and toxic substances 


If a tourist needs treatment due to the use of alcohol, drugs and other prohibited substances, the insurance will not reimburse such medical expenses. Intoxication, overdose and alcohol poisoning are not covered by the insurance.



Any medical services related to a normal pregnancy are not covered by travel insurance. Therefore, the costs of examinations, childbirth and other procedures will not be reimbursed. A possible exception is an urgent intervention to save the life of the mother.


It is very important to take a responsible approach to choosing an insurance company. You can apply for insurance in a matter of minutes on the Visit Ukraine portal at this link. Do not neglect your own safety, health and wallet!


We remind you! The summer of 2024 brought an abnormal heat wave to Europe. Read more about the safety precautions tourists should take when traveling to popular resorts to avoid trouble during their vacation.


Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.




With our health insurance package, you get access to high-quality medical care anytime, anywhere. Our policy covers a wide range of medical services, including medical consultations, hospitalization, diagnosis, treatment and rehabilitation. Protect yourself from unexpected events now. Choose a policy on our website and receive an insurance document to your email in just a few minutes.




Our recommendation for a safe and comfortable trip: 


Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.




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