What if your circumstances change during your trip?

I’m a scuba diver. An avid scuba diver.

So when I’m anywhere tropical and I see that striped red dive flag flapping on the dock, I just can’t help myself. I need to know when the next dive boat leaves and if there’s room for me.

Actually, I’m more than an avid diver, I’m also an instructor. In a past life, I trained diving instructors on how to become instructors. Yeah, that serious.

But does my passion for being underwater line up with my travel insurance policy? Kind of. I have an annual policy through Allianz Travel Insurance. It covers scuba diving but it excludes “all extreme, high risk sports.”

Among the activities not covered:

  • Bodily contact sports
  • Skydiving
  • Hang gliding
  • Bungee jumping
  • Parachuting
  • Mountain climbing or any other high altitude activities
  • Caving
  • Heli-skiing, extreme skiing, or any skiing outside marked trails

Phew. Just thinking about all that adventure makes my pulse race.

This is the fourth installment of our buyer’s guide on travel insurance. We’ve already looked at the many types of trips — and whether they are covered by insurance — as well as the most common type of special circumstances. Yesterday, we also looked at what travel insurance doesn’t cover. But today, let’s focus on the circumstances that can change while you’re on your trip.

And let’s stay underwater for a few minutes. Diving is an interesting topic, one of the most common special circumstances you could face when you’re traveling. It is an inherently risky activity that some insurance policies cover, and some don’t. And coverage varies. One policy might cover all diving, while others would only cover you if you’re diving with a certified guide or instructor.

But there are other circumstances that you could face on your trip that may make you wonder if you’re covered under your policy. Here are a few circumstances that generally are not covered by a standard travel insurance policy, even if your personal circumstances change while you’re away:

Mental health
If you have a nervous breakdown while you’re on the road, don’t try to file a claim. On a standard policy, mental health issues are excluded from coverage. And that’s true even if you had no mental health problem before your trip. Conditions such as anxiety, depression, neurosis or psychosis are simply not covered.

Military orders
If you’re active-duty or in the reserves, and your orders change, insurance normally won’t cover you. However, you may be able to secure a refund or a no-fee change from your airline if you can show your military orders.

Allianz may cover you for cancellation if you or a traveling companion serving in the U.S. Armed Forces are reassigned or have your personal leave revoked. There are exceptions, so read the fine print.

Nuclear reaction, radiation or radioactive contamination
If you’re planning a vacation in Fukushima or Chernobyl, this is good to know. Radiation isn’t covered.

An Ebola or avian flu outbreak
In fact, any epidemic or pandemic is off the menu, when it comes to most travel insurance policies — even if the outbreaks begin after your trip has commenced. It’s better to avoid places that are at risk for such outbreaks.

Bankruptcy of an airline, cruise line or tour operator
Some travel insurance doesn’t cover the financial default of a travel supplier (read the fine print). This is particularly true if they self-insure — in other words, if you buy cruise “protection” directly through your cruise line. If that same cruise line goes under, your money goes down with it, too.

Allianz will cover you for trip cancellation if your tour operator, airline or cruise line ceases operations due to financial default. Specific requirements apply, so read the fine print.

Government travel prohibitions.
If the U.S. Department of State issues a warning before or during your vacation, it doesn’t matter. Chances are, your policy won’t cover it.

There are travel insurance workarounds, of course. You can buy a more expensive “cancel for any reason” policy that will cover any reason for cancellation (but it’s more expensive and you’ll only get a percentage of your nonrefundable deposit and expenses back).

Or you can look for a policy that will cover everything. For example, my fellow divers swear by the Divers Alert Network policies, which cover items unique to divers, such as the loss of sports equipment (like tanks, buoyancy control devices and fins). When it comes to travel insurance and your unique circumstances, it really pays to shop around.

Underwritten by

Elliott Advocacy is underwritten by Cavalry Travel Insurance

Cavalry takes the worry of out travel by providing 24/7 access to medical and security professionals combined with the best medical evacuation and security extraction services. Cavalry gets you home safely when you need it most. Learn more at Cavalrytravelinsurance.com.

Elliott Advocacy is underwritten by Seven Corners

Seven Corners has helped customers all over the world with travel difficulties, big and small. As one of the few remaining privately owned travel insurance companies, Seven Corners provides insurance plans and 24/7 travel assistance services to more than a million people each year. Because we’re privately held, we can focus on the customer without the constraints that larger companies have. Visit Seven Corners to learn more.

Elliott Advocacy is underwritten by Sodexo North America

Sodexo North America Sodexo North America is part of a global, Fortune 500 company with a presence in 80 countries. Sodexo is a leading provider of integrated food, facilities management and other services that enhance organizational performance, contribute to local communities and improve quality of life for millions of customers in corporate, education, healthcare, senior living, sports and leisure, government and other environments daily. Learn more at Sodexoinsights.com.

Elliott Advocacy is underwritten by Travelex Insurance Services

Travelex Insurance Services is a leading travel insurance provider in the United States with over 55 years combined industry expertise of helping people dream, explore and travel with confidence. We offer comprehensive travel insurance plans with optional upgrades allowing travelers to customize the plans to fit their needs. Compare plans, get a quote and buy online at Travelexinsurance.com.

Elliott Advocacy is underwritten by AirHelp

AirHelp is the world’s leading flight delays compensation company, helping passengers apply for compensation following a delayed or canceled flight or when boarding has been denied. It is AirHelp’s mission to fight for passenger rights by holding airlines accountable for flights disruptions that are out of passengers’ control. AirHelp has already helped 5 million people, taking the stress out of applying for compensation and making it as hassle-free as possible for travelers around the world.

Elliott Advocacy is underwritten by Allianz Travel Insurance

The Allianz Travel Insurance company has built its reputation on partnering with agents all around the world to provide comprehensive travel insurance for their clients. Contact Allianz Travel Insurance for a comprehensive list of coverage.

Elliott Advocacy is underwritten by Chubb

Chubb is the world’s largest publicly traded property and casualty insurance company, and recognized as the premier provider of insurance for successful individuals and families in the U.S. and selected international markets, offering coverage for high-value automobile, homeowners, recreational marine/aviation, valuables and umbrella liability coverage. As an underwriting company, Chubb assesses, assumes and manages risk with insight and discipline, and combines the precision of craftsmanship with decades of experience to conceive, craft and deliver the best insurance coverage and services to individuals, families and business of all size.

Elliott Advocacy is underwritten by Fareportal

Fareportal’s portfolio of brands, which include  CheapOair and  OneTravel, are dedicated to helping customers enjoy their trip. Whether you want to call, click, or use one of our travel apps, one thing is clear: We make it easy to take it easy.

Elliott Advocacy is underwritten by Insuremyrentalcar.com

An independent provider of low cost CDW/LDW insurance for use with rental cars. Up to $100,000 cover with no deductible. Policies available on a per day, per trip or per year basis. Also works with overseas rentals. Try  Insuremyrentalcar.comnow.

Elliott Advocacy is underwritten by Mediacom Communications

The nation’s fifth-largest cable operator, serving the smaller cities and towns in the Midwest and Southern regions of the United States. We are a high-performance broadband, entertainment, and communications company that brings the power of modern technology and quality customer experience to life inside the connected home by combining ultra-fast gigabit speeds with personalized local and over-the-top entertainment choices that fit your lifestyle. Details at  Mediacomcable.com.

Elliott Advocacy is underwritten by Arch RoamRight

Arch RoamRight is one of the fastest growing, most-highly rated travel insurance companies in the United States. Travel advisors love working with us, and travelers feel protected with our trip cancellation and travel medical insurance coverage. We also make it easy to file a claim online with our fast, paperless claims website. Learn more about RoamRight travel insurance.

Elliott Advocacy is underwritten by Virtuoso

The leading global network for luxury and experiential travel. This invitation-only organization comprises over 1,000 travel agency locations with 17,500 advisors in over 45 countries, and holds preferred relationships with 1,700 of the world’s finest travel companies. Virtuoso advisors collaborate with their clients to create personalized itineraries featuring exclusive perks, while also providing advice, access, advocacy, and accountability. For more information, visit  Virtuoso.com.

Elliott Advocacy is underwritten by VisitorsCoverage

As a company that is constantly striving to simplify travel insurance, VisitorsCoverage, is on a mission to help travelers make the better decisions about purchasing travel insurance, quickly. VisitorsCoverage has helped millions of travelers globally to buy the suitable travel insurance and explore the world with confidence. Get insurance for your next trip at  VisitorsCoverage. Lowest Price Guaranteed.

Elliott Advocacy is underwritten by MedjetAssist

Medjet is the premier global air-medical transport, travel security and crisis response membership program for travelers. With a MedjetAssist membership, if you become hospitalized more than 150 miles from home, we will get you from that unfamiliar hospital all the way home to the hospital you trust. All you ever pay is your membership fee. MedjetHorizon members add 24/7 personal security and crisis response benefits. Elliott.org readers enjoy discounted rates. Travel safer with  MedjetAssist.

Elliott Advocacy is underwritten by Southwest Airlines

The mission of Southwest Airlines is dedication to the highest quality of Customer Service delivered with a sense of warmth, friendliness, individual pride, and Company Spirit. We are committed to provide our Employees a stable work environment with equal opportunity for learning and personal growth.

Elliott Advocacy is underwritten by TravelInsurance.com

TravelInsurance.com makes it fast and easy to compare and buy travel insurance online from top rated providers. Our unbiased comparison engine allows travelers to read reviews, compare pricing and benefits and buy the right policy with a price guarantee, every time. Compare and buy travel insurance now at  TravelInsurance.com.

Elliott Advocacy is underwritten by Squaremouth

Squaremouth helps travelers easily and instantly compare travel insurance policies from all major providers. Only companies that meet the strict requirements of Squaremouth’s Zero Complaint Guarantee are available on the website. Compare policies on  Squaremouth.com to save over 70 percent on your next purchase.

Elliott Advocacy is underwritten by Travel Leaders Group

Travel Leaders Group is transforming travel through its progressive approach toward each unique travel experience. Travel Leaders Group assists millions of travelers through its leisure, business and network travel operations under a variety of diversified divisions and brands including All Aboard Travel, Andrew Harper Travel, Colletts Travel, Corporate Travel Services, CruCon Cruise Outlet, Cruise Specialists, Nexion, Protravel International, SinglesCruise.com, Travel Leaders Corporate, Travel Leaders Network and Tzell Travel Group, and its merger with ALTOUR. With more than 7,000 agency locations and 52,000 travel advisors, Travel Leaders Group ranks as one of the industry’s largest retail travel agency companies.

Elliott Advocacy is underwritten by Travelers United

If you’ve been mistreated by the airlines, Travelers United is your voice in Washington. Join the #1 travel advocacy organization working with Congress to improve and protect travelers. Plus, get $400 of annual benefits you can use for travel for only $29/year. Add your voice to ours. Make travel better.  Join today.

Send this to a friend