Are there cancellation reasons that travel insurance will not cover?

All travel insurance policies have a list of exclusions and conditions which apply. The exceptions are generally listed in a “General Exclusions” section within the policy wording and can vary by state of residence. Some causes for trip cancellation that are not covered include:

Financial difficulties on the part of a traveler
Normal pregnancy or resulting childbirth
High risk activities such as mountain climbing, bungee jumping, skydiving, parachuting, etc.
Pre-existing conditions or any event that occurs prior to the effective date of the insurance.
Mental, nervous or emotional disorders
Acts of war, civil disorder or riot
Business to contractual obligation for traveler

Some policies will waive the pre-existing exclusion if certain conditions are met. Some policies have optional upgrades for cancel for work reasons and a few companies offer specialized products for the adventure traveler. Always review your policy for the full details of any exclusion and conditions.