• 11
  Dec
  2009

• Exclusions that tourists need to be aware of

  
  Filed Under: Blogging
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Most tourists travelling outside USA these days realize the vital importance of investing a small amount in an international tourists insurance, in order to cover any emergency medical expenses that might threaten to send the trip veering out of control. An unforeseen medical situation during a visit overseas might have further complications because of a language barrier, currency conversions and difference in time zones.

The number of tourists who travel with the coverage of a tourist policy is surely on a rise, and it is welcome sign. There is still a feeling in some policy-holders that everything connected to health is covered, and not everyone is aware of some common exclusions in most tourist insurance policies. Here is a list of a few expenses generally not covered:

1. Pre-existing conditions, or congenital (birth) conditions


2. Dental care, unless recommended as essential for health


3. Mental health expenses, including psychiatric consultations


4. Cosmetic surgery, or plastic surgery unless recommended as essential for health (say, because of an accident)

Obviously, this is not an exhaustive list. You would still need to refer to your policy documents for details, but this a good checklist you can refer to when in doubt.