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While looking for cheap travel insurance, it is important to look for the coverage they provide. However, it is crucial to have a note of the things they don’t include so that any event not covered for can be wisely avoided, thus saving your money.

Here is a list of such cases that are commonly excluded from basic cheap travel insurance plans.

Damage caused due to bad weather
Any travel company usually doesn’t provide a guarantee for the disorders caused by the bad weather during your trip. A natural disaster like floods or earthquakes, terrorist activities or any physical disorder to the people due to any such weather conditions needs to be talked about before.

Medical emergencies
A lot of cheap travel insurances do offer medical benefits while you sign up for one. But a lot of these cases are the basics situations. Special medication scenarios like pregnancy, emotional disorders, anything requiring immediate surgery or death are usually not covered fully by any insurance policy. Dental care, although a small concern, is usually excluded from such plans.

Discount flights and hotel bookings
With many booking portals available these days, travel companies have certain plans with regards to the one you book from. If your means of booking aren’t as per their demands, or not inclusive of their plans, the coverage costs may get affected. Especially, ask for flights booked with airline points or mile and hotels with special discount coupons.

Risky activities
Travel insurance is not necessarily medical insurance. High-risk activities like scuba diving, skiing or skydiving, which require special waiver forms, are missed out from normal insurance plans. If you plan on including such activities on the trip, do select a plan which covers a minimum amount if any damage does occur.

Apart from the above situations, keep in mind that claiming the insurance requires a lot of documents. Any insufficient documents can lead to a less or almost no coverage as per the situation. To avoid this, keep track of the documentation required and keep copies of them ready to claim the money.

With these basic tips, we hope that you get full benefits of the travel insurance if the need arises.