⚠️ 6 Travel Insurance Gotchas to Watch For
- Pre-Existing Condition Exclusions: HIGH Most policies exclude medical conditions you had before purchasing. The "look-back" period can be 60-180 days—any treatment or symptoms may disqualify claims
- Cancel for Any Reason (CFAR) Limitations: HIGH CFAR coverage typically only reimburses 50-75% and must be purchased within 14-21 days of initial trip deposit. Many restrictions apply
- Adventure Activity Exclusions: MEDIUM Standard policies often exclude skiing, scuba diving, hiking above certain elevations, or any "extreme sports." Check activity definitions carefully
- Claim Documentation Requirements: MEDIUM Claims require extensive documentation—original receipts, police reports, physician statements. Missing any item can void your entire claim
- Coverage Caps by Category: MEDIUM $50,000 medical coverage sounds good until you realize evacuation alone can cost $100,000+. Check per-category limits, not just totals
- Named Peril vs. Comprehensive: HIGH "Named peril" policies only cover specific listed reasons. If your cancellation reason isn't explicitly listed, you get nothing
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