Exclusion
Also known as: Policy exclusion, Coverage exclusion, General exclusion, Specific exclusion
An exclusion is a specific situation, activity, or condition that your insurance policy will not cover.
Last updated: 2 April 2026
Real-world example
You rupture your ACL while skiing off-piste in Chamonix. Your travel insurance declines the claim because off-piste skiing is listed as an exclusion in your policy. The helicopter rescue costs EUR 8,000 and the surgery EUR 15,000. You pay the full EUR 23,000 yourself. A winter sports add-on covering off-piste would have cost GBP 30 extra on your premium.
Why travellers need to know
Exclusions are the most common reason travel insurance claims are denied. Standard policies typically exclude: adventure sports (skiing, diving, bungee jumping), motorbike riding, alcohol-related incidents, pre-existing conditions (undeclared), and travel against FCDO/State Department advice. The exclusions section of your policy is more important than the cover section. If an activity is excluded and you're injured doing it, your entire medical claim is void.
Country-specific notes
Motorbike exclusion: #1 cause of denied claims
Motorbike and scooter injuries are the single biggest source of denied travel insurance claims in Thailand. Most standard policies exclude motorbike use entirely, or require a valid motorcycle licence from your home country. Riding on a car licence is typically not covered.
Frequently asked questions
Related guides
How Nomedic helps
Store your policy document in Nomedic alongside your health records, so your exclusions and cover limits are reviewable before you try a new activity abroad.
Your health records, anywhere you go
Your policy exclusions, checked before you need them.
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