Conditions and exclusions of TripCovered Travel Insurance

Before you set off on your adventure, it's helpful to know the ins and outs of your travel insurance policy. This page covers the key conditions and exclusions, so you'll understand what's included - and what's not - during your trip. With a clear view of your coverage, you can focus on enjoying your trip, knowing you're prepared for the unexpected.

Exclusions overview

Here's a quick guide to the exclusions in your travel insurance policy, so you know what situations and activities aren't covered, helping you to plan with confidence and avoid surprises.

Territory exclusions:

Travel to any of the following territories is excluded from cover: Afghanistan, Antarctica, Belarus, Burma (Myanmar), Crimea, Donetsk People's Republic (DPR), Iran, Iraq, Luhansk People's Republic (LPR), Marion Island, North Korea, Somalia, Sudan, Syria, Ukraine, Russian Federation also referred to as Russia.
You are insured for travel in the covered area as stated on your policy schedule of insurance.

Activities exclusions:

Travelling for emigration purposes (unless on an Emigration Policy).
Engaging in off-road, dirt-road and or quad biking, jet skiing, or racing of any kind.
Diving with artificial breathing equipment unless certified or supervised.
Hazardous sports and activities premium.
Activities related to war, civil unrest, or terrorism.

Health exclusions:

Travelling against medical advice or for the purpose of obtaining medical treatment.
Pre-existing conditions not covered for travellers over 69 Cardiovascular or cerebrovascular conditions for travellers 70 or older is excluded.
Psychiatric, emotional, or psychological illnesses are not covered.
Incidents involving alcohol or drugs above the legal limit is excluded.
Pregnancy past the 26th week is not covered.
Traveling with a terminal prognosis is a general exclusion.

Employment exclusions (Cover does not apply if you are):

Piloting or crewing an aircraft.
Engaging in employment involving weaponry, armed services, or military duties.
Driving of a commercial vehicle transporting goods or people on public roads.
Underground mining and working on oil rigs.

Legal and general exclusions:

Acts of fraud or illegal conduct.
Breaking the law in the country you're traveling in.
Non-admittance to a country due to visa issues or legal restrictions.
Cyber-related losses and power grid failures.

Emergency medical and related expenses exclusions:

Pregnancy-related costs from the 26th week onward.
Where the purpose of the trip is to obtain medical treatment or advice.
Travel against medical advice.
Costs incurred within your country of residence.

Key exclusions for trip disruptions and additional benefits:

Events resulting from personal choice or financial circumstances.
Delays or denials due to improper documentation or government prohibitions.
Terrorist incidents within 60 days in the same city.
Epidemics or pandemics, including COVID-19-related claims.

*Note: a formal quote will provide comprehensive details on benefits, limits, cover terms, conditions, and exclusions.

Why is it important to know about conditions and exclusions

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Avoid surprises

Knowing conditions and exclusions helps you avoid unexpected out-of-pocket expenses during your trip.

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Maximize cover

Understanding what's covered lets you make the most of your policy benefits and travel with peace of mind.

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Informed decisions

Awareness of exclusions ensures you make travel plans that align with your coverage limits.

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Smooth claims process

Familiarity with policy details simplifies claims, reduces delays, and ensures faster assistance when needed.

Helpful tips

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Save documents

Keep receipts and documentation for easy claims processing.

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Plan responsibly

Ensure you have the correct travel documents and follow local laws.

Need assistance?

Our 24/7 support is just a call away for claims and emergencies.

Conditions of cover

Reviewing the conditions of cover ensures you understand the extent of your cover so you're fully protected and prepared throughout your trip.

Summary of important conditions of cover.

Fit to travel:You must be healthy and fit to travel.
HIV/AIDS:Expenses related to HIV or AIDS are capped at R500,000.
Pre-existing conditions:Hospitalisation cover is available for sudden onset of pre-existing conditions for travellers under 69, if included in your policy.
Children's Cover:Accompanied children under the age of 21 years share the liability limit with their parent(s), up to the policy maximum.

Take a moment to review the conditions and exclusions