Question

Some of the more common exclusions found in travel policies include expenses incurred because of ___.

A. Theft or loss of baggage
B. Medical emergencies
C. Cancelled flights
D. Pre-existing medical conditions

Answer 1

Travel insurance policies commonly exclude coverage for expenses related to pre-existing medical conditions. This is due to the higher risks and costs associated with insuring individuals with known health issues, which can also affect insurance premiums and coverage availability.

Step-by-step explanation:

Some of the more common exclusions found in travel insurance policies include expenses incurred because of pre-existing medical conditions. Insurance policies typically pay out when events such as medical emergencies, theft or loss of baggage, and damage to property occur; however, pre-existing conditions are often not covered. This is due to the high risk associated with insuring individuals who are known to have health issues prior to purchasing the policy, which can lead to higher healthcare costs. Insurance companies may charge these high-risk individuals higher premiums or deny coverage altogether. This has also been a factor in the increase of uninsured individuals, particularly before the introduction of the Affordable Care Act (ACA).